{"id":3028,"date":"2025-10-14T13:43:23","date_gmt":"2025-10-14T11:43:23","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3028"},"modified":"2026-02-26T11:50:51","modified_gmt":"2026-02-26T10:50:51","slug":"european-accessibility-act","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/european-accessibility-act\/","title":{"rendered":"European Accessibility Act (EAA)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-eaa\">What is the EAA?<\/h2>\n\n\n\n<p>The <strong>European Accessibility Act (EAA)<\/strong> is a European directive that has been transposed into Dutch legislation for <strong>\u2018Accessibility requirements for products and services\u2019<\/strong>. The law came into force in mid-2025.<\/p>\n\n\n\n<p>The EAA applies to a wide range of products and services, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tickets and check-in machines<\/li>\n\n\n\n<li>ATMs and payment terminals (hardware and software)<\/li>\n\n\n\n<li>PCs, operating systems, and mobile devices<\/li>\n\n\n\n<li>Banking services for consumers<\/li>\n\n\n\n<li>E-books and e-commerce services<\/li>\n\n\n\n<li>Passenger transport by road, rail, water, and air<\/li>\n<\/ul>\n\n\n\n<p>Within the payments sector, the Dutch Payments Association focuses primarily on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ATMs and payment terminals.<\/strong><\/li>\n\n\n\n<li><strong>Banking services for consumers.<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-banking-services-under-the-eaa\">Banking services under the EAA<\/h3>\n\n\n\n<p>The directive is intended for service providers that offer <strong>banking services to consumers<\/strong>. These include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Payments accounts<\/strong> \u2013 including opening accounts, using debit cards, internet banking (via app or computer), and paper orders and statements.<\/li>\n\n\n\n<li><strong>Payment services<\/strong> \u2013 withdrawing and depositing cash and executing transactions.<\/li>\n\n\n\n<li><strong>Mortgages and consumer credit<\/strong>.<\/li>\n\n\n\n<li><strong>Investment services<\/strong>, such as:\n<ul class=\"wp-block-list\">\n<li>investment advice and individual asset management<\/li>\n\n\n\n<li>transmitting, executing, and consulting orders<\/li>\n\n\n\n<li>securities credit and currency exchange services<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Electronic money<\/strong>, such as digital gift cards and stablecoins (<em>Electronic Money Tokens<\/em>).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-role-of-the-dutch-payments-association\">Role of the Dutch Payments Association<\/h2>\n\n\n\n<p><strong>The Dutch Payments Association<\/strong> coordinates the implementation and application of the EAA within payments. For example, we discuss ambiguities in the legislation with experts and regulators such as the <strong>AFM<\/strong> and <strong>ACM<\/strong>. Important topics include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>clarification of regulations;<\/li>\n\n\n\n<li>joint interpretations and solutions;<\/li>\n\n\n\n<li>coordination between Dutch and European parties.<\/li>\n<\/ul>\n\n\n\n<p>The Dutch Payments Association also discusses these issues with, for example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rijksdienst Digitale Infrastructuur (RDI)<\/strong>,<\/li>\n\n\n\n<li><strong>Febelfin<\/strong> (Belgian Payments Association),<\/li>\n\n\n\n<li><strong><em>European Banking Federation<\/em> (EBF)<\/strong>,<\/li>\n\n\n\n<li><strong><em>Bundesverband deutscher Banken<\/em> (BvD)<\/strong>,<\/li>\n\n\n\n<li><strong><em>Deutsche Sparkassen- und Giroverband<\/em> (DSGV)<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-joint-solutions\">Joint solutions<\/h3>\n\n\n\n<p>An example of a joint interpretation is the Information Sheet of Dutch payment service providers (from banks, referred to in <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/NL\/TXT\/HTML\/?uri=CELEX:32019L0882#anx_V\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>Appendix 5<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><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><\/span><\/a> of the EAA Directive). We have also jointly created a template for the mandatory reporting of non-compliance (not yet complying with the directive). The joint <strong>Accessibility Task Force<\/strong> shares knowledge and experience among participants and coordinates solutions with interest groups such as <strong>Ieder(in)<\/strong> and the <strong>Oogvereniging<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-payment-terminals\">Payment terminals<\/h3>\n\n\n\n<p>The Dutch Payments Association is investigating the impact of the EAA on payment terminals and discussing with chain parties how the implementation of the relevant EAA directives can proceed as smoothly as possible. The <strong>RDI<\/strong> is also involved in this.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-read-more\">Read more<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/NL\/TXT\/HTML\/?uri=CELEX:32019L0882\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>Read the official directive (EU) 2019\/882<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><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><\/span><\/a> (in Dutch)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/11\/Reactie-Betaalvereniging-op-Consultatie-Implementatiewet-herziene-richtlijn-betaaldiensten.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>Consultation response from the Dutch Payments Association<\/u><\/strong><\/a> (in Dutch)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.afm.nl\/en\/sector\/themas\/dienstverlening-aan-consumenten\/toegankelijkheid\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>More information from the AFM supervisory authority<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><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><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mkbtoegankelijk.nl\/producten-diensten\/toegankelijkheidsrichtlijn-bankdiensten\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>EAA requirements for banking services \u2013 MKB Nederland<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><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><\/span><\/a> (in Dutch)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.mkbtoegankelijk.nl\/producten-diensten\/toegankelijkheidsrichtlijn-betaalterminals\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>EAA requirements for payment terminals \u2013 MKB Nederland<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><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><\/span><\/a> (in Dutch)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The European Accessibility Act (EAA) aims to ensure that people with disabilities have the same (online) opportunities as people without disabilities throughout the European Union. This also applies to payments and all related services.<\/p>\n","protected":false},"featured_media":3466,"parent":15,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[13,15],"class_list":["post-3028","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-european-legislation","btv_subject_tax-payments-for-all"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>European Accessibility Act (EAA) - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"European Accessibility Act (EAA): accessibility rules for ATMs, payment terminals and consumer banking services.\" \/>\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\/european-legislation\/european-accessibility-act\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"European Accessibility Act (EAA)\" \/>\n<meta property=\"og:description\" content=\"European Accessibility Act (EAA): accessibility rules for ATMs, payment terminals and consumer banking services.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/european-accessibility-act\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T10:50:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Blinde_vrouw_stok_telefoon_2389729827-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1703\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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\/european-legislation\/european-accessibility-act\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/european-accessibility-act\/\",\"name\":\"European Accessibility Act (EAA) - 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