{"id":2469,"date":"2025-10-10T16:35:19","date_gmt":"2025-10-10T14:35:19","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=2469"},"modified":"2026-03-31T09:40:09","modified_gmt":"2026-03-31T07:40:09","slug":"new-debit-cards","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/new-debit-cards\/","title":{"rendered":"New debit cards"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-why-an-updated-debit-card\">Why an updated debit card<\/h2>\n\n\n\n<p>Many payment cards still in circulation carry the <strong>V PAY<\/strong> and <strong>Maestro<\/strong> brands. These payment brands are used less and less internationally.<\/p>\n\n\n\n<p>Abroad, payments are more often made with <strong>Visa Debit<\/strong> and <strong>Debit Mastercard<\/strong>. As a result, Dutch people outside Europe cannot pay everywhere with their V PAY or Maestro debit cards and have to rely on cash there.<\/p>\n\n\n\n<p>Innovations and further developments by <strong>Mastercard<\/strong> and <strong>Visa<\/strong> will only be implemented on the new card brands. The Maestro and V PAY card brands are being phased out by Mastercard and Visa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-features-of-the-new-payment-cards\">Features of the new payment cards<\/h2>\n\n\n\n<p>The renewed payment cards have some external and functional differences from the old cards of the card brands Maestro and V PAY:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a new logo and an anti-counterfeiting hologram;<\/li>\n\n\n\n<li>in addition to the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/\" type=\"btv_wiki\" id=\"16\">IBAN<\/a>, the card features a card number of 16 digits (PAN) and a security code of 3 or 4 digits (CVC or CVV);<\/li>\n\n\n\n<li>a tactile indentation in a fixed place helps visually impaired people to recognise the card and insert it correctly;<\/li>\n\n\n\n<li>the updated card can also be used for online payments, using the PAN, name, validity date and security code on the card.<\/li>\n<\/ul>\n\n\n\n<p>For over-the-counter payments and cash withdrawals, there is no difference from the old cards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-will-change-for-consumers\">What will change for consumers? <\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>it allows you to pay in more places outside Europe;<\/li>\n\n\n\n<li>you can use it to pay online, for example in online shops.<\/li>\n<\/ul>\n\n\n\n<p>To make online payments easier, Mastercard and Visa are working on uniform solutions such as <strong>Click to Pay (CTP)<\/strong>. This allows consumers to <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/\" type=\"btv_wiki\" id=\"19\">pay in online shops<\/a> without having to enter all card details each time.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative\" data-module=\"oembed\" data-source=\"consent_embed_youtube\" data-type=\"video\" data-cookiebot=\"1\" data-disable-notice=\"\">\n\t\t<a\n\t\thref=\"#embed-skip-69df6e0f9b996\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline sr-only focus:not-sr-only focus:absolute focus:p-4 focus:z-50 bg-neutral-50 hover:no-underline border-neutral-800 text-neutral-800\"\n\t>\n\t\tSkip enclosed content from YouTube\n\t<\/a>\n\t<div data-oembed=\"content\">\n\t\t<div data-oembed=\"placeholder\" class=\"p-8 text-center bg-neutral-200\">\n\t\t\t<p class=\"max-w-lg mx-auto mb-7\" id=\"embed-cookie-69df6e0f9b994\">This content is available after accepting the marketing cookies.<\/p>\n\t\t\t<div class=\"flex flex-wrap justify-center gap-2\">\n\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"secondary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-amber-400 rounded-full bg-amber-400 text-neutral-900 underline-fade-in hocus:bg-transparent hocus:border-indigo-600 hocus:text-indigo-600 js-consent-button\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-describedby=\"embed-cookie-69df6e0f9b994\"\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tChange cookie settings\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/button>\n\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.youtube.com&#x2F;watch&#x3F;v&#x3D;NKxlvPeESvI\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tView on YouTube\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<template>\n\t\t\t\t\t<div data-component=\"oembed-video\" data-oembed=\"video\" class=\"cursor-pointer aspect-video\">\n\t\t\t<img decoding=\"async\" data-oembed=\"thumbnail\" class=\"absolute object-cover w-full h-full\" src=\"https:\/\/i.ytimg.com\/vi\/NKxlvPeESvI\/maxresdefault.jpg\" alt=\"\" loading=\"lazy\">\n\t\t<div class=\"w-full h-full iframe:absolute iframe:inset-0 iframe:w-full iframe:h-full\">\n\t\t<iframe loading=\"lazy\" title=\"Wat is er nieuw aan de vernieuwde betaalpas? - Geldland #10\" width=\"500\" height=\"281\" data-src=\"https:\/\/www.youtube.com\/embed\/NKxlvPeESvI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\t\t<div class=\"absolute transform -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t\t\t\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500 btn--js-video-play rounded-full aspect-square\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-label=\"Play&#x20;video&#x20;Wat&#x20;is&#x20;er&#x20;nieuw&#x20;aan&#x20;de&#x20;vernieuwde&#x20;betaalpas&#x3F;&#x20;-&#x20;Geldland&#x20;&#x23;10\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m2 0 17 10L2 20z\"\/><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/button>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t<\/template>\n\t<div id=\"embed-skip-69df6e0f9b996\" tabindex=\"-1\" class=\"sr-only\">Embedded content from YouTube skipped.<\/div>\n<\/div>\n\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-will-change-for-retailers\">What will change for retailers?<\/h2>\n\n\n\n<p>All <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/payment-terminals\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/payment-terminals\/\">payment terminals<\/a> in the Netherlands have been updated to recognise the updated payment cards. As a result, more foreigners can use their debit cards to pay at Dutch entrepreneurs (retailers).<\/p>\n\n\n\n<p>The updated card offers benefits to entrepreneurs who receive card payments both online and at the counter. By linking both types of card payments, they gain better insight into customer behaviour and their loyalty programmes work better.<\/p>\n\n\n\n<p>There are, however, three areas of concern:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong><em>Honour All Cards Rule<\/em> (HACR)<\/strong> states that an entrepreneur who accepts Mastercard and Visa debit cards must also accept all other card types of both brands &#8211; i.e. credit cards as well.<\/li>\n\n\n\n<li>European legislation does give entrepreneurs the right to accept only debit cards from European customers and to accept other card types (such as credit cards) only if they are from countries outside Europe.<\/li>\n\n\n\n<li>Particularly with an online card payment, the cardholder is entitled to a so-called <em>charge-back<\/em> if the merchant does not fulfil its obligations, e.g. if the merchant does not deliver the purchase or delivers it incorrectly.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-perspective\">Perspective<\/h2>\n\n\n\n<p>For payments at the counter, little will change. However, the renewed debit card makes it easier to pay globally and online. The extent to which consumers will also use the card online depends on its ease of use and the offer of alternative online payment methods.<\/p>\n\n\n\n<p>For entrepreneurs, the renewed card mainly means more (foreign) customers who can pay with it and new possibilities for online payments.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.pin.nl&#x2F;consument&#x2F;vernieuwde-betaalpas&#x2F;\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore information for consumers (in Dutch)\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.pin.nl&#x2F;ondernemer&#x2F;debitkaarten&#x2F;\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore information for merchants (in Dutch)\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banks started issuing payment cards of the Visa Debit and Debit Mastercard brands in 2023. This puts the Netherlands in line with Mastercard&#8217;s and Visa&#8217;s most widely used payment card standards worldwide.<\/p>\n","protected":false},"featured_media":3451,"parent":18,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[16],"class_list":["post-2469","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-card-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New debit cards - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"New debit cards replace Maestro and V PAY, enabling worldwide and online payments with Visa Debit and Debit Mastercard.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/new-debit-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New debit cards\" \/>\n<meta property=\"og:description\" content=\"New debit cards replace Maestro and V PAY, enabling worldwide and online payments with Visa Debit and Debit Mastercard.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/new-debit-cards\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-31T07:40:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Alstublieft-uw-vernieuwde-betaalpas-scaled.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/new-debit-cards\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/new-debit-cards\/\",\"name\":\"New debit cards - 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