{"id":3100,"date":"2025-10-14T20:20:48","date_gmt":"2025-10-14T18:20:48","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3100"},"modified":"2026-09-10T10:11:56","modified_gmt":"2026-09-10T08:11:56","slug":"european-accessibility-act","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/european-accessibility-act\/","title":{"rendered":"European Accessibility Act (EAA)"},"content":{"rendered":"\n<h2 id=\"h-what-is-the-eaa\" class=\"wp-block-heading\">What is the EAA?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 id=\"h-banking-services-under-the-eaa\" class=\"wp-block-heading\">Banking services under the EAA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 id=\"h-role-of-the-dutch-payments-association\" class=\"wp-block-heading\">Role of the Dutch Payments Association<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><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>. 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 class=\"wp-block-paragraph\">The Dutch Payments Association also discusses these issues with, for example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Rijksinspectie Digitale Infrastructuur<\/em> (RDI)<\/strong>,<\/li>\n\n\n\n<li><strong>Febelfin<\/strong> (Belgian Payments Association),<\/li>\n\n\n\n<li><strong>European Banking Federation (EBF)<\/strong>,<\/li>\n\n\n\n<li><strong><em>Bundesverband deutscher Banken<\/em> (BdB)<\/strong>,<\/li>\n\n\n\n<li><strong><em>Deutsche Sparkassen- und Giroverband<\/em> (DSGV)<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-joint-solutions\" class=\"wp-block-heading\">Joint solutions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 id=\"h-payment-terminals\" class=\"wp-block-heading\">Payment terminals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 id=\"h-read-more\" class=\"wp-block-heading\">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\n\n\n\t<div data-name=\"acf\/working-groups\" class=\"alignfull\" >\n\t\t<div class=\"ll-container\">\n\n\t\t\t\n\t\t\t<div class=\"space-y-4 @container\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Legal expertise for the payments sector<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"items-stretch grid-cols-1 gap-8   grid\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"654\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-1024x654.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-1024x654.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-300x192.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-768x491.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-1536x982.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-2048x1309.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/dutch-payments-association-legal-affairs-working-group-wjzb\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tDutch Payments Association Legal Affairs Working Group (WJZB)\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Legal Affairs Working Group is the Dutch Payments Association\u2019s legal expert platform. The working group interprets legal developments in payments and helps members establish uniform, sector-wide positions.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"654\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-1024x654.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-1024x654.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-300x192.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-768x491.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-1536x982.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2026\/08\/Vrouwe_Justitia_1419977990-scaled-2048x1309.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/dutch-payments-association-legal-affairs-working-group-wjzb\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tDutch Payments Association Legal Affairs Working Group (WJZB)\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Legal Affairs Working Group is the Dutch Payments Association\u2019s legal expert platform. The working group interprets legal developments in payments and helps members establish uniform, sector-wide positions.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t\t\t<div class=\"flex justify-end\">\n\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"link\"\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] min-w-[52px] md:min-w-[60px] min-h-0 md:min-h-0 px-0 md:px-0 pt-2 pb-1 border-b-2 font-bold border-b-transparent text-base-500 hocus:border-b-current\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;working-groups&#x2F;dutch-payments-association-legal-affairs-working-group-wjzb&#x2F;\"\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\tMore about the Legal Working Group\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\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\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":977,"parent":17,"menu_order":2,"template":"","meta":{"_acf_changed":false,"editor_notices":[]},"btv_subject_tax":[13,15],"class_list":["post-3100","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): new EU rules for accessible banking services, ATMs and payment terminals since 2025.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\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): new EU rules for accessible banking services, ATMs and payment terminals since 2025.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/european-accessibility-act\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-10T08:11:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/12\/308463-Informatie-Spreekpunt-Bankzaken_flyer_A5_HR2626-2-e1669287899402-610x434-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"434\" \/>\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\\\/payments-for-all\\\/european-accessibility-act\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/payments-for-all\\\/european-accessibility-act\\\/\",\"name\":\"European Accessibility Act (EAA) - 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