{"id":1127,"date":"2022-06-29T15:39:00","date_gmt":"2022-06-29T13:39:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1127"},"modified":"2026-08-06T20:22:51","modified_gmt":"2026-08-06T18:22:51","slug":"online-spending-dutch-consumers-grows-8-2-billion-q1","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/online-spending-dutch-consumers-grows-8-2-billion-q1\/","title":{"rendered":"Online spending by Dutch consumers grows by 7% to \u20ac8.2 billion in Q1"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">Online spending by Dutch consumers totalled \u20ac8.2 billion in Q1 2022, an increase of 7% compared with the lockdown quarter of Q1 2021. Growth was driven by the strong recovery in services (+125%), bringing spending on services back to pre-pandemic levels.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1005\" height=\"909\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Thuiswinkel-Markt-Monitor-Q1-2022.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Extensive infographic of the Thuiswinkel Market Monitor Q1 2022 with key figures about online spending, purchases, buyers and payment methods. The infographic shows that online spending in Q1 2022 amounts to \u20ac8.2 billion, of which \u20ac7.3 billion in the Netherlands and \u20ac912 million cross-border. The number of online purchases is 83.7 million and the number of online buyers is 12.6 million. In addition, distributions are shown by countries, industries, products and services, devices and payment methods such as iDEAL and credit card, with clear graphs and icons that visualize e-commerce developments.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Thuiswinkel-Markt-Monitor-Q1-2022.png 1005w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Thuiswinkel-Markt-Monitor-Q1-2022-300x271.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Thuiswinkel-Markt-Monitor-Q1-2022-768x695.png 768w\" sizes=\"auto, (max-width: 1005px) 100vw, 1005px\" \/><\/figure>\n\n<div data-component=core\/image>\n<figure class=\"wp-block-image alignleft size-medium\"><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Thuiswinkel-Markt-Monitor-2022-Q1.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"271\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/Thuiswinkel-Markt-Monitor-Q1-2022-610x552-1-300x271.png\" alt=\"Infographic summarising the Thuiswinkel Market Monitor for the first quarter of 2022.\" class=\"wp-image-1215\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/Thuiswinkel-Markt-Monitor-Q1-2022-610x552-1-300x271.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/Thuiswinkel-Markt-Monitor-Q1-2022-610x552-1.png 610w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Spending on products fell compared with Q1 2021, but remained above pre-pandemic levels. Online spending on products contracted by 18% this quarter. Even so, it was still higher than in Q1 2020 and Q1 2019. These are the latest findings from the Thuiswinkel Market Monitor, which tracks online consumer spending in the Netherlands. The survey is conducted by GfK on behalf of Thuiswinkel.org and Retail Insiders, in collaboration with PostNL, the Dutch Payments Association and Currence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Marlene ten Ham, managing director of Thuiswinkel.org: \u201cFrom 10 January, the Netherlands gradually reopened. This brought the huge pandemic peaks in online ordering to an end. Even so, we are not returning entirely to the previous growth curve. Before the pandemic, growth in online spending in Q1 appeared to be levelling off, whereas it is now back at 7%. Taking Q1 2019 as the baseline, online spending in Q1 2022 was 30% higher.\u201d<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"605\" height=\"223\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/grafiek-TMM-groei-online-bestedingen-2019-2022.png\" alt=\"Chart showing growth in online spending from 2019 to the first quarter of 2022.\" class=\"wp-image-1225\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/grafiek-TMM-groei-online-bestedingen-2019-2022.png 605w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/grafiek-TMM-groei-online-bestedingen-2019-2022-300x111.png 300w\" sizes=\"auto, (max-width: 605px) 100vw, 605px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-diensten-na-dip-door-corona-terug-op-oude-niveau\">Services return to pre-pandemic levels after COVID-19 dip<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Following a strong fourth quarter in 2021, the recovery in services was also clearly visible at the start of 2022. The number of online purchases and the amount spent online quadrupled in both the package holidays and tickets for attractions and events categories. The survey also showed that consumers spent more on average in these categories. \u201cDespite the lockdown at the beginning of the year, consumers were confident that they would be able to travel again this spring and summer. We expect this growth to continue in Q2 as more last-minute travellers make their bookings,\u201d Ten Ham said.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-online-bestedingen-producten-krimpt-maar-blijft-boven-verwachte-curve-pre-corona\">Online spending on products falls but remains above the projected pre-pandemic trend<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">All categories saw online spending decline. Only Food\/Nearfood and Media &amp; Entertainment recorded modest growth in online purchases, of 2% and 1% respectively. Ten Ham said: \u201cIn Media &amp; Entertainment, we have seen new streaming services such as Viaplay and HBO Max enter the Dutch market. In Food\/Nearfood, the upward trend in online purchases has continued because more households began buying online during the various lockdowns. This is also reflected in online spending: although Food\/Nearfood contracted by 1% compared with Q1 2021, spending was 125% higher than in Q1 2019 and 81% higher than in Q1 2020.\u201d<br>Ten Ham continued: \u201cThe growth in products compared with pre-pandemic levels is clearest when looking at absolute online spending. Consumers spent \u20ac3.2 billion on products in Q1 2019; during the lockdown, this peaked at \u20ac6.3 billion, and the figure now stands at \u20ac5.1 billion. That is still \u20ac2 billion more than just three years ago. Spending on services returned to its pre-pandemic level of \u20ac3.1 billion this quarter.\u201d<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"945\" height=\"340\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/Grafiek-TMM-Ontwikkeling-online-bestedingen.png\" alt=\"Chart showing the development of online spending from 2018 to the first quarter of 2022.\" class=\"wp-image-1226\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/Grafiek-TMM-Ontwikkeling-online-bestedingen.png 945w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/Grafiek-TMM-Ontwikkeling-online-bestedingen-300x108.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/06\/Grafiek-TMM-Ontwikkeling-online-bestedingen-768x276.png 768w\" sizes=\"auto, (max-width: 945px) 100vw, 945px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-een-op-de-drie-aankopen-via-smartphone\">One in three online purchases made by smartphone<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The use of smartphones for online shopping continues to grow. One in three online purchases in Q1 2022 was made using a smartphone. Smartphone use increased particularly in the Food\/Nearfood and Media &amp; Entertainment categories. Desktop and laptop computers remained important for online purchases, with a combined share of 51%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cross-border-aankopen-omlaag-bestedingen-omhoog\">Cross-border purchases fall while spending rises<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The number of online cross-border purchases continued to fall (-11%), driven by a 21% decline in cross-border product purchases. Online cross-border spending rose by 44%, supported by strong growth in cross-border spending on services (+302%). More than a quarter of online spending on standalone airline tickets and accommodation was booked through foreign websites in Q1 2022, particularly French and German sites. This was an increase of 68% compared with Q1 2021.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ideal-blijft-veruit-meest-gebruikte-betaalmiddel\">iDEAL remains by far the most widely used payment method<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">iDEAL was still used for 70% of online purchases, accounting for 47% of online spending. Apple Pay recorded the strongest growth in online spending. Although its share of total e-commerce spending remained below 1%, spending via Apple Pay grew by 244%. This was largely driven by increased use for purchases in the Food\/Nearfood sector, one of the largest categories. The use of iDEAL for online cross-border purchases fell slightly this quarter in favour of credit cards, as consumers spent heavily on travel through foreign online shops and these purchases are often paid for by credit card.<\/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.betaalvereniging.nl&#x2F;en&#x2F;wp-content&#x2F;uploads&#x2F;sites&#x2F;4&#x2F;2025&#x2F;09&#x2F;Thuiswinkel-Markt-Monitor-2022-Q1.pdf\"\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\tInfographic Thuiswinkel Markt Monitor Q1 2022\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/downloads\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\n\t\t\t<ul class=\"space-y-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3828\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA BIC Overview\n\t\t\t<span>[xlsx, 42.01 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2026-06-19\">19 June 2026<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3826\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tFLOR accounts overview &#8211; RTGS accounts credit institutions\n\t\t\t<span>[pdf, 208.59 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2026-03-17\">17 March 2026<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3830\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tBIC table for G accounts\n\t\t\t<span>[xlsx, 18.46 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2025-09-01\">1 September 2025<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/136\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tThuiswinkel Markt Monitor Q1 2025 (in Dutch)\n\t\t\t<span>[pdf, 325.92 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2025-07-21\">21 July 2025<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3812\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAccessible Banking Monitor (in Dutch)\n\t\t\t<span>[pdf, 1.54 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2025-05-13\">13 May 2025<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5066\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2024\n\t\t\t<span>[pdf, 6.20 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2025-04-28\">28 April 2025<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3816\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tPaying at the counter 2024 (in Dutch)\n\t\t\t<span>[pdf, 720.92 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2025-04-01\">1 April 2025<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4967\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2025-2027 (in Dutch)\n\t\t\t<span>[pdf, 3.61 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2025-03-11\">11 March 2025<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3783\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tOver-the-counter payment transaction costs 2023 (in Dutch)\n\t\t\t<span>[pdf, 1.63 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-11-15\">15 November 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/186\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tStep-by-step plan for starting with standard SEPA direct debit &#8211; for new direct debit collectors (in Dutch)\n\t\t\t<span>[pdf, 542.57 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-10-29\">29 October 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3836\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tTips for an optimal online checkout (in Dutch)\n\t\t\t<span>[pdf, 4.30 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-10-21\">21 October 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3578\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA direct debit \u2013 one-time authorization \u2013 traffic light forms (ZIP file) (in Dutch)\n\t\t\t<span>[zip, 847.42 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-07-01\">1 July 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3575\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA direct debit \u2013 recurring payment authorization \u2013 traffic light forms (ZIP file) (in Dutch)\n\t\t\t<span>[zip, 992.04 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-07-01\">1 July 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3584\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tExample traffic light forms for one-time SEPA direct debit (in Dutch)\n\t\t\t<span>[pdf, 144.78 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-07-01\">1 July 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3569\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSample traffic light cards for recurring SEPA direct debits (in Dutch)\n\t\t\t<span>[png, 321.52 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-07-01\">1 July 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3572\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tExample traffic light forms for one-off standard SEPA European direct debit (in Dutch)\n\t\t\t<span>[png, 308.88 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-07-01\">1 July 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3581\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tExamples of traffic light forms for the recurring SEPA European direct debit (in Dutch)\n\t\t\t<span>[pdf, 107.77 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-07-01\">1 July 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5114\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2023\n\t\t\t<span>[pdf, 4.82 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-04-22\">22 April 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4969\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2024-2026 (in Dutch)\n\t\t\t<span>[pdf, 3.77 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2024-03-07\">7 March 2024<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4177\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tVisiedocument Toonbankbetalingsverkeer 2023 (in Dutch)\n\t\t\t<span>[pdf, 1.46 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2023-10-10\">10 October 2023<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3786\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAddendum bij Convenant Contant Geld (in Dutch)\n\t\t\t<span>[pdf, 127.89 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2013-06-12\">12 June 2013<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5080\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2022\n\t\t\t<span>[pdf, 1.60 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2023-05-08\">8 May 2023<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4971\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2023-2025 (in Dutch)\n\t\t\t<span>[pdf, 4.96 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2023-03-17\">17 March 2023<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3867\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Credit Transfer Customer-to-Bank Implementation Guidelines for the Netherlands\n\t\t\t<span>[pdf, 265.11 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2022-11-01\">1 November 2022<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3869\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Direct Debit Initiation Customer-to-Bank Implementation Guidelines for The Netherlands\n\t\t\t<span>[pdf, 286.53 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2022-11-01\">1 November 2022<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5090\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2021\n\t\t\t<span>[pdf, 4.50 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2022-04-28\">28 April 2022<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4974\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2022-2024 (in Dutch)\n\t\t\t<span>[pdf, 4.50 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2022-04-22\">22 April 2022<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5092\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2020\n\t\t\t<span>[pdf, 540.78 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2021-06-02\">2 June 2021<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4976\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2021-2023 (in Dutch)\n\t\t\t<span>[pdf, 5.52 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2021-01-26\">26 January 2021<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5094\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2019\n\t\t\t<span>[pdf, 1.38 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2020-04-30\">30 April 2020<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4978\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2020-2022 (in Dutch)\n\t\t\t<span>[pdf, 4.42 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-12-23\">23 December 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3566\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Direct Debit refunded by consumer, afterwards (in Dutch)\n\t\t\t<span>[pdf, 6.43 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3563\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Direct Debit failed: causes on the consumer side (in Dutch)\n\t\t\t<span>[pdf, 6.80 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3560\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Direct Debit failed or refunded by consumer: consequences for the creditor (in Dutch)\n\t\t\t<span>[pdf, 9.54 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3557\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tComplete overview of standard SEPA direct debit (in Dutch)\n\t\t\t<span>[pdf, 7.84 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3871\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tReason codes for European direct debits; information for collectors (in Dutch)\n\t\t\t<span>[pdf, 281.04 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-07-01\">1 July 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5096\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2018\n\t\t\t<span>[pdf, 1.67 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-05-06\">6 May 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4980\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2019-2021 (in Dutch)\n\t\t\t<span>[pdf, 4.45 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-03-19\">19 March 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5098\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2017\n\t\t\t<span>[pdf, 2.91 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2018-05-17\">17 May 2018<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4982\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2018-2020 (in Dutch)\n\t\t\t<span>[pdf, 1.28 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2018-02-22\">22 February 2018<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/4984\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tRoadmap 2017-2019 (in Dutch)\n\t\t\t<span>[pdf, 1.77 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2017-06-08\">8 June 2017<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5100\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2016\n\t\t\t<span>[pdf, 1.72 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2017-06-06\">6 June 2017<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5102\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2015\n\t\t\t<span>[pdf, 6.59 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2016-07-20\">20 July 2016<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5104\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2014\n\t\t\t<span>[pdf, 1.39 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2015-08-10\">10 August 2015<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5108\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2013\n\t\t\t<span>[pdf, 1.79 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2014-09-03\">3 September 2014<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3874\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tXML message for Bank to Customer Statement (camt.053) Implementation Guidelines for the Netherlands v2.0\n\t\t\t<span>[pdf, 4.12 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2013-10-01\">1 October 2013<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3872\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tXML message for Bank to Customer Statement (camt.053) Implementation Guidelines for the Netherlands v1.1\n\t\t\t<span>[pdf, 5.01 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2013-10-01\">1 October 2013<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/5110\/?tmstv=1786509527\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tAnnual Report 2012\n\t\t\t<span>[pdf, 636.91 KB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2013-08-15\">15 August 2013<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Online spending by Dutch consumers reached \u20ac8.2 billion in Q1 2022, driven by a strong recovery in services, while product spending remained above pre-pandemic levels.<\/p>\n","protected":false},"author":4,"featured_media":1128,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20,23,36],"btv_subject_tax":[17],"class_list":["post-1127","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-publication","category-thuiswinkel-markt-monitor","btv_subject_tax-online-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Online spending by Dutch consumers grows by 7% to \u20ac8.2 billion in Q1 - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"De online bestedingen van Nederlandse consumenten komen in Q1 2022 uit op \u20ac 8,2 miljard, een stijging van 7%.\" \/>\n<meta name=\"robots\" content=\"index, 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