{"id":1201,"date":"2022-02-17T22:07:00","date_gmt":"2022-02-17T21:07:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1201"},"modified":"2026-08-06T21:21:24","modified_gmt":"2026-08-06T19:21:24","slug":"betaaljournaal-14","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/betaaljournaal-14\/","title":{"rendered":"Payments newsletter: Betaaljournaal 14"},"content":{"rendered":"\n\n<p class=\"has-intro-font-size wp-block-paragraph\">The past two years of the coronavirus pandemic have had a significant impact on payments, as outlined in <a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-costs-businesses-fell-slightly-despite-fewer-payments\/\">our press release<\/a> in which we looked back on the past year. Online payments are likely to maintain their current high volumes for the foreseeable future, whilst electronic payments at the point of sale have almost returned to pre-pandemic levels. Cash payments, however, are lagging behind. These developments are a major factor in the persistently higher costs of cash payments for point-of-sale businesses. You can read more about this in this edition of Betaaljournaal. The cost of payments will also be high on the Dutch Payments Association\u2019s agenda in the coming year. Together with our members, De Nederlandsche Bank and other stakeholders, we are also working on a covenant to ensure that cash continues to function effectively in the future. And we are paying close attention to accessibility and inclusivity within the sector. My colleague Peter Kleppe discusses developments within PI-ISAC, the Payment Institutions Information Sharing and Analysis Centre, in this edition of Betaaljournaal. I would also like to draw your attention to a new section on consultations on our website.<\/p>\n\n\n\n\n\n<p class=\"has-intro-font-size wp-block-paragraph\">I hope to be able to speak to you in person more often in the coming months. I\u2019m looking forward to seeing you all at our annual conference on 19 May, when we can raise a glass together. For now, I hope you enjoy reading this latest issue of the Betaaljournaal.<br><strong>Gijs Boudewijn, Acting Managing Director<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1810\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-scaled.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Infographic about changes in pay with debit cards in the Netherlands, with timeline and explanation of the transition from Maestro and V PAY to new debit cards. The infographic shows how debit card traffic in the Netherlands will change between 2022 and 2025. Consumers are gradually switching from Maestro and V PAY to Debit Mastercard and Visa Debit, while foreign consumers are already using these debit cards. merchants provides insight into when payment terminals and payment services are made suitable for debit card acceptance. The timeline shows important moments, such as the start of the issuance of new debit cards and the end of Maestro in 2023, with the aim of the same convenience and more payment options.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-scaled.png 2560w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-300x212.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1024x724.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-768x543.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1536x1086.png 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-2048x1448.png 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n\n<ul class=\"wp-block-list\">\n\n<li><a href=\"#h-2021-was-vooral-jubeljaar-voor-online-betalen\">2021 was, above all, a banner year for online payments<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-nieuwe-rubriek-consultaties-op-betaalvereniging-nl\">New \u2018Consultations\u2019 section on Betaalvereniging.nl<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-deadline-epc-consultatie-over-oct-s-op-17-april\">Deadline for the EPC consultation on OCTs is 17 April<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-voorlichtingsmateriaal-dca\">DCA information material<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-update-pi-isac-peter-kleppe\">PI-ISAC update \u2013 Peter Kleppe<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-kostenonderzoek-toonbankinstellingen\">Cost study of point-of-sale businesses<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-meer-aandacht-voor-toegankelijk-en-inclusief-betalingsverkeer\">Greater focus on accessible and inclusive payment services<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-onderzoek-consumentenperceptie-betalingsverkeer-2021\">Consumer perceptions of payments survey 2021<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-cijfers\">Figures<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-agenda\">Agenda<\/a><\/li>\n\n<\/ul>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2021-was-vooral-jubeljaar-voor-online-betalen\">2021 was a particularly successful year for online payments<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"863\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_Factsheet_Betalingsverkeer_2021-610x863-1.png\" alt=\"Infographic summarising key Dutch payment figures for 2021, including online, debit card and cash payments.\" class=\"wp-image-1203\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_Factsheet_Betalingsverkeer_2021-610x863-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_Factsheet_Betalingsverkeer_2021-610x863-1-212x300.png 212w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Even in the second year of the pandemic, online payments showed a strong increase in both the number of transactions (14%) and spending (turnover, 20%). The number of debit card payments at the till remained at the same level as last year, although spending rose slightly (5%). The rough estimate of the number of cash payments at the till and the associated spending remained virtually unchanged. However, cash payments had already declined at an unprecedented rate during the first year of the coronavirus pandemic in 2020 (-43% in the number of payments, -33% in spending). Read <a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/2021-banner-year-online-payments\/\">the full article \u2026<\/a><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nieuwe-rubriek-consultaties-op-betaalvereniging-nl\">New \u2018Consultations\u2019 section on Betaalvereniging.nl<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"273\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consultaties-crop-768x273-1.png\" alt=\"Screenshot of the Consultations section on the Dutch Payments Association website.\" class=\"wp-image-1204\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consultaties-crop-768x273-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consultaties-crop-768x273-1-300x107.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The Dutch Payments Association regularly acts as a mouthpiece for its members on matters of shared interest in the payments sector. This includes, for example, national and European consultations. These consultations concern collective, non-competitive issues faced by organisations and institutions involved in the European and national legislative processes. On our website, you can read about ongoing and completed consultations. <a href=\"https:\/\/www.betaalvereniging.nl\/en\/association\/consultations\/\">View our \u2018Consultations\u2019 section\u2026<\/a><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-deadline-epc-consultatie-over-oct-s-op-17-april\">Deadline for EPC consultation on OCTs is 17 April<\/h2>\n\n\n\n<div data-component=core\/image>\n\n<figure class=\"wp-block-image alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"545\" height=\"770\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Arrangement-Rulebook.png\" alt=\"Cover of the EPC Euro One-Leg Out Credit Transfer Arrangement Rulebook consultation document.\" class=\"wp-image-1206\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Arrangement-Rulebook.png 545w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Arrangement-Rulebook-212x300.png 212w\" sizes=\"auto, (max-width: 545px) 100vw, 545px\" \/><\/figure>\n<\/div>\n\n\n\n\n<p class=\"wp-block-paragraph\">On 18 January, the European Payments Council (EPC) launched a public consultation on the proposal for Euro One-Leg Out Credit Transfers (OCTs). These are SCT and SCT Inst transactions in euros where the credit or debit payment service provider is not part of SEPA. The EPC cannot agree binding rules for payment service providers outside SEPA. Hence, a so-called <em>Arrangement Rulebook<\/em> rather than an <em>EPC Rulebook<\/em> as we know it. The <em>Arrangement Rulebook<\/em> is intended to become the standardised basis for agreements and arrangements \u2013 whether bilateral or through partnerships \u2013 concerning the processing of OCTs. In the introduction, the EPC states the following:<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><em>This Arrangement is a set of rules, practices and standards designed to achieve interoperability for the provision and operation of an international payment instrument agreed at the Inter-PSP level to support euro-denominated Standard One-Leg Out (OLO) Credit Transfers (Euro OCTs) and Instant Credit Transfers (Inst Euro OCTs). The objectives of the Arrangement are:<\/em><\/p>\n\n\n\n\n\n<ul class=\"wp-block-list\">\n\n<li><em>To serve as the primary source for defining the rules and obligations of the Arrangement;<\/em><\/li>\n\n\n\n\n\n<li><em>To provide authoritative information to Participants and other relevant parties on how the Arrangement functions;<\/em><\/li>\n\n\n\n\n\n<li><em>To provide relevant parties, such as Participants, Clearing and Settlement Mechanisms (\u201cCSMs\u201d) and technology suppliers, with information to support development and operational activities.<\/em><\/li>\n\n<\/ul>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Payment service providers that execute payment transactions to or from countries outside SEPA may have an interest in this advisory standard. Any interested party may comment on this draft. The consultation remains open until 17 April 2022. For further information, please visit <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/public-consultation-instant-euro-one-leg-out-credit-transfer-arrangement-rulebook\">the EPC\u2019s website <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>.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-voorlichtingsmateriaal-dca\">DCA information material<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-1024x724-1.png\" alt=\"Infographic explaining the transition in the Netherlands from Maestro and V PAY to Debit Mastercard and Visa Debit between 2022 and 2025.\" class=\"wp-image-1207\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-1024x724-1.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-1024x724-1-300x212.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-1024x724-1-768x543.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Debit card payments in the Netherlands are set to change in the future. Debit Mastercard and Visa Debit will be introduced as new card types from 2023. To inform business owners about this, we have created this infographic and added <a href=\"https:\/\/www.betaalvereniging.nl\/en\/contact\/frequently-asked-questions\/\">frequently asked questions and answers<\/a> to the website.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-update-pi-isac-peter-kleppe\">PI-ISAC update \u2013 Peter Kleppe<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-vimeo wp-block-embed-vimeo wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative\" data-module=\"oembed\" data-source=\"consent_embed_vimeo\" data-type=\"video\" data-cookiebot=\"1\" data-disable-notice=\"1\">\n\t\t<a\n\t\thref=\"#embed-skip-6a7beb0721181\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline sr-only focus:not-sr-only focus:absolute focus:p-4 focus:z-50 bg-neutral-50 hover:no-underline border-neutral-800 text-neutral-800\"\n\t>\n\t\tSkip enclosed content from Vimeo\n\t<\/a>\n\t<div data-oembed=\"content\">\n\t\t<div data-oembed=\"placeholder\" class=\"p-8 text-center bg-neutral-200\">\n\t\t\t<p class=\"max-w-lg mx-auto mb-7\" id=\"embed-cookie-6a7beb072117e\">This content is available after accepting the marketing cookies.<\/p>\n\t\t\t<div class=\"flex flex-wrap justify-center gap-2\">\n\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"secondary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-amber-400 rounded-full bg-amber-400 text-neutral-900 underline-fade-in hocus:bg-transparent hocus:border-indigo-600 hocus:text-indigo-600 js-consent-button\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-describedby=\"embed-cookie-6a7beb072117e\"\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tChange cookie settings\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/button>\n\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;vimeo.com&#x2F;678171610\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tView on Vimeo\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<template>\n\t\t\t\t\t<div data-component=\"oembed-video\" data-oembed=\"video\" class=\"cursor-pointer aspect-video\">\n\t\t\t<img decoding=\"async\" data-oembed=\"thumbnail\" class=\"absolute object-cover w-full h-full\" src=\"https:\/\/i.vimeocdn.com\/video\/1374430692-929f716a8a0fb53135a4d166fcbc9ee41a92954c9278b401eef4de2ac74fac44-d_640?region=us\" alt=\"\" loading=\"lazy\">\n\t\t<div class=\"w-full h-full iframe:absolute iframe:inset-0 iframe:w-full iframe:h-full\">\n\t\t<iframe loading=\"lazy\" title=\"Update PI-ISAC - Peter Kleppe.mp4\" data-src=\"https:\/\/player.vimeo.com\/video\/678171610?dnt=1&amp;app_id=122963\" width=\"500\" height=\"281\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\n\n\t\t<div class=\"absolute transform -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t\t\t\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500 btn--js-video-play rounded-full aspect-square\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-label=\"Play&#x20;video&#x20;Update&#x20;PI-ISAC&#x20;-&#x20;Peter&#x20;Kleppe.mp4\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m2 0 17 10L2 20z\"\/><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/button>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t<\/template>\n\t<div id=\"embed-skip-6a7beb0721181\" tabindex=\"-1\" class=\"sr-only\">Embedded content from Vimeo skipped.<\/div>\n<\/div>\n\n<\/div><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Peter Kleppe is an Information Services Consultant at the Dutch Payments Association. His areas of expertise include disruptions and security issues in the payments sector. He provides us with an update on the Payment Institutions Information Sharing and Analysis Centre, <a href=\"https:\/\/www.betaalvereniging.nl\/en\/association\/pi-isac\/\">or PI-ISAC<\/a>.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kostenonderzoek-toonbankinstellingen\">Cost study of point-of-sale businesses<\/h2>\n\n\n\n<div data-component=core\/image>\n\n<figure class=\"wp-block-image alignleft size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"414\" height=\"424\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/kosten-betalen-toonbank-2020.png\" alt=\"Chart comparing the cost of point-of-sale payments in the Netherlands in 2020 by payment method.\" class=\"wp-image-1208\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/kosten-betalen-toonbank-2020.png 414w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/kosten-betalen-toonbank-2020-293x300.png 293w\" sizes=\"auto, (max-width: 414px) 100vw, 414px\" \/><\/figure>\n<\/div>\n\n\n\n\n<p class=\"wp-block-paragraph\">The total cost of payments for point-of-sale businesses amounted to \u20ac1.35 billion in 2020, compared with \u20ac1.42 billion in 2017. The number of point-of-sale transactions fell from 6 billion in 2017 to 5.2 billion in 2020. Payment costs as a percentage of turnover declined slightly to 1.1% in 2020. However, there were large differences between payment methods. Cash payments became considerably more expensive, while the average cost of a debit card payment remained roughly unchanged. These findings come from research by Panteia commissioned by the Dutch Payments Association and Dutch point-of-sale sectors. <a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-costs-businesses-fell-slightly-despite-fewer-payments\/\">Read our full press release\u2026<\/a><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-meer-aandacht-voor-toegankelijk-en-inclusief-betalingsverkeer\">Greater focus on accessible and inclusive payments<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_1215432208-robotic-hand-bank-card-800x-768x512-1.jpg\" alt=\"Human hand holds a smartphone while a robot hand holds a payment card, symbolising digital payments and automation.\" class=\"wp-image-1209\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_1215432208-robotic-hand-bank-card-800x-768x512-1.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_1215432208-robotic-hand-bank-card-800x-768x512-1-300x200.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Dutch banks work to ensure that their <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/accessibility-and-inclusion\/\">digital and other services are accessible and inclusive<\/a>. Customers can still visit a bank branch or a growing number of service points. At a customer\u2019s request, bank staff also provide support at home; banks expanded their teams of mobile advisers and coaches over the past year. Banks also offer extensive support by telephone and online, ranging from online workshops to individual help via video banking. Bank websites and <a href=\"https:\/\/www.veiligbankieren.nl\/\">VeiligBankieren.nl <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> offer dozens of explanatory videos that anyone can watch at any time. Within the Accessibility and Inclusion Working Group (WTI), banks exchange ideas on how payments can better meet the needs of vulnerable groups. The \u2018Online Banking with Rotterdam Libraries\u2019 pilot is a good example of a joint initiative by banks in 2021.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">In 2021, the Dutch Payments Association released an <a href=\"https:\/\/www.betaalvereniging.nl\/actueel\/betaaltv\/aflevering-4-toegankelijkheid\">episode of \u2018betaalTV\u2019 on accessibility,<\/a> along with an <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_toegankelijkheid_betalingsverkeer_2021.pdf\">infographic<\/a> that <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic-iedereen-betaalt-steeds-digitaler.mp3\">can also be listened to<\/a>. During the Dutch Payments Association\u2019s annual conference on 19 May, attention will once again be focused on accessibility and inclusion. <a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/greater-focus-accessible-inclusive-payments\/\">Read more\u2026<\/a><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-onderzoek-consumentenperceptie-betalingsverkeer-2021\">Consumer perceptions of payments survey 2021<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"574\" height=\"824\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consumentenperceptie-betalingsverkeer.png\" alt=\"Infographic summarising the 2021 Dutch consumer perceptions of payments survey.\" class=\"wp-image-1212\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consumentenperceptie-betalingsverkeer.png 574w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consumentenperceptie-betalingsverkeer-209x300.png 209w\" sizes=\"auto, (max-width: 574px) 100vw, 574px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Since 2015, the Dutch Payments Association has been monitoring consumer perceptions of payments in the Netherlands. In September 2021, an online survey was conducted for this purpose among 2,000 respondents aged 16 and over. How do they view payments? What do they see as positive and what not? What has annoyed them over the past year and \u2013 with a view to the Dutch Payments Association\u2019s 10th anniversary \u2013 which development over the past 10 years do they view most positively? <a href=\"https:\/\/www.betaalvereniging.nl\/actueel\/achtergrondinformatie\/infographics\/\">View the infographic\u2026<\/a><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cijfers\">Figures<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4.49 billion debit card transactions<\/strong> in 2021<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1.35 billion cash transactions<\/strong> in 2021<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Want more figures? Visit <a href=\"https:\/\/factsheet.betaalvereniging.nl\">factsheet.betaalvereniging.nl <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><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-agenda\">Agenda<\/h2>\n\n\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>24 February \u2013 Information session for point-of-sale businesses<\/li>\n\n\n\n\n\n<li>17 March \u2013 Stakeholder meeting<\/li>\n\n\n\n\n\n<li>31 March \u2013 The future of payments. <a href=\"https:\/\/euroforum.paydro.com\/toekomst-van-het-betalingsverkeer-5\/index\/61b2136d-4904-496a-a7e4-7b0ebca6366c\">Members of the Dutch Payments Association receive a 20% discount <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>. Topics to be covered this year: Regulations \u2013 Reality, New payment behaviour, Acceleration towards cashless<\/li>\n\n\n\n\n\n<li>14 April \u2013 Members\u2019 meeting<\/li>\n\n\n\n\n\n<li>19 May \u2013 Dutch Payments Association Annual Conference<\/li>\n\n<\/ul>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ledenbulletin\">Members\u2019 Bulletin<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">In addition to this Betaaljournaal, the Dutch Payments Association also publishes Member Bulletins. The bulletins are usually published a few times a month and focus on a specific theme. You may be a member but not yet receiving these bulletins. You can ask to be added to the mailing list via <a href=\"mailto:secretariaat@betaalvereniging.nl\">secretariaat@betaalvereniging.nl<\/a>.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-aanmelden-betaaljournaal\">Subscribe to Payments newsletter<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Would you like to hear about the latest developments in payments? Stay up to date with our Payments newsletter. You can subscribe here.<\/p>\n\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=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;news&#x2F;subscribe-to-payments-newsletter&#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\tSubscribe to Payments newsletter\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<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Payments newsletter: Betaaljournaal 14 covers payment trends after two pandemic years, consultations, debit card acceptance, PI-ISAC, payment costs, accessibility and key figures.<\/p>\n","protected":false},"author":7,"featured_media":1202,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20,33],"btv_subject_tax":[],"class_list":["post-1201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-payments-newsletter"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - 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