{"id":2351,"date":"2014-06-18T15:30:00","date_gmt":"2014-06-18T13:30:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=2351"},"modified":"2026-08-07T03:16:33","modified_gmt":"2026-08-07T01:16:33","slug":"electronic-payments-grow-digital-payment-fraud-declines","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/","title":{"rendered":"Electronic payments grow as digital payment fraud declines"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">As in previous years, debit card and online payments grew sharply in 2013. Nevertheless, electronic payment fraud more than halved. Financial losses fell from over \u20ac82 million in 2012 to less than \u20ac34 million in 2013.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"660\" height=\"660\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Cover of the Dutch Payments Association&#039;s 2013 Annual Report. The cover has a light blue background with rounded colour areas, the Dutch Payments Association logo at the top and the title \u201cAnnual Report 2013\u201d prominently in purple and white.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg 660w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS-300x300.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS-150x150.jpg 150w\" sizes=\"auto, (max-width: 660px) 100vw, 660px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">In its 2013 annual report, the Dutch Payments Association concludes that its joint efforts with banks to combat skimming, phishing and malware in particular are bearing fruit. The Netherlands has also almost completed its migration to uniform European payment standards.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Refunds to bank accounts using Retourpinnen, a debit card refund service.<\/li>\n\n\n\n<li>Innovations and public information make electronic payments easier and more secure.<\/li>\n\n\n\n<li>Migration to European payment standards is almost complete.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debit-card-innovations-fewer-cash-payments\">Debit card innovations and fewer cash payments<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The number of debit card payments rose by 7.5% in 2013, while the number of cash withdrawals from ATMs fell by 4.5%. Small amounts of up to \u20ac10 in particular are increasingly paid by debit card. In line with this trend, debit card use in the hospitality and parking sectors increased sharply. Combined with the strong growth of online payments, including iDEAL, at webshops, this helps explain the decline in cash payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Debit card and online payments are becoming easier and more secure as a result of new developments. At the end of 2013, banks introduced fast and secure dip &amp; go payments at parking machines. In 2014, they are introducing Retourpinnen and contactless payments. Meanwhile, mobile debit card acceptance and shopping by smartphone and tablet are growing rapidly. These innovations make electronic payments a cheaper, easier and more secure alternative to cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-skimming-almost-eradicated\">Skimming almost eradicated<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the strong growth in debit card payments, skimming had almost disappeared by the end of 2013. Security at ATMs and unattended payment terminals was further improved in 2013 to combat skimming. Payment terminal suppliers, banks and the Dutch Payments Association worked closely together on this. The introduction of debit cards with EMV chips has made skimming within Europe impossible. Most banks have disabled debit cards for use outside Europe by default. Awareness campaigns by banks and the Dutch Payments Association have also encouraged cardholders to shield their PINs more effectively and remain alert to tampered payment terminals and ATMs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Online banking fraud losses fell by almost three-quarters in 2013, partly due to banks\u2019 investments in real-time fraud detection systems. The Dutch Payments Association works closely with banks on interbank cybersecurity initiatives. It participates in the National Cyber Security Centre (NCSC), for example, and runs campaigns on secure banking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sepa-migration-almost-complete\">SEPA migration almost complete<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">By the end of 2013, the Netherlands was among the leading countries in the transition to SEPA payment products. At the start of 2013, SEPA credit transfers and direct debits still accounted for only a very small share of payments in the Netherlands. However, the transition to European payment standards accelerated in the second half of the year. All banks and most businesses then switched to IBANs and SEPA payment products. From 1 August 2014, credit transfers and direct debits without an IBAN will no longer be possible.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debit card and online payments grew sharply in 2013, while electronic payment fraud losses more than halved from over \u20ac82 million to less than \u20ac34 million.<\/p>\n","protected":false},"author":4,"featured_media":2352,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[37,20,22,23],"btv_subject_tax":[16,8,19],"class_list":["post-2351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-annual-report","category-news","category-press-release","category-publication","btv_subject_tax-card-payments","btv_subject_tax-cash-payments","btv_subject_tax-payment-standards"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Electronic payments grow as digital payment fraud declines - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Net als in de voorgaande jaren zijn in 2013 het pinnen en online betalen fors gegroeid. Desondanks is de fraude daarmee meer dan gehalveerd.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Electronic payments grow as digital payment fraud declines\" \/>\n<meta property=\"og:description\" content=\"Net als in de voorgaande jaren zijn in 2013 het pinnen en online betalen fors gegroeid. Desondanks is de fraude daarmee meer dan gehalveerd.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2014-06-18T13:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-07T01:16:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"660\" \/>\n\t<meta property=\"og:image:height\" content=\"660\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Electronic payments grow as digital payment fraud declines\",\"datePublished\":\"2014-06-18T13:30:00+00:00\",\"dateModified\":\"2026-08-07T01:16:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/\"},\"wordCount\":489,\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/JVS.jpg\",\"articleSection\":[\"Annual report\",\"News\",\"Press release\",\"Publication\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/\",\"name\":\"Electronic payments grow as digital payment fraud declines - Dutch Payments Association\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/JVS.jpg\",\"datePublished\":\"2014-06-18T13:30:00+00:00\",\"dateModified\":\"2026-08-07T01:16:33+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"Net als in de voorgaande jaren zijn in 2013 het pinnen en online betalen fors gegroeid. Desondanks is de fraude daarmee meer dan gehalveerd.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/JVS.jpg\",\"contentUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/JVS.jpg\",\"width\":660,\"height\":660,\"caption\":\"Cover of the Dutch Payments Association's 2013 Annual Report. The cover has a light blue background with rounded colour areas, the Dutch Payments Association logo at the top and the title \u201cAnnual Report 2013\u201d prominently in purple and white.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/electronic-payments-grow-digital-payment-fraud-declines\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Electronic payments grow as digital payment fraud declines\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/\",\"name\":\"Dutch Payments Association\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/author\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Electronic payments grow as digital payment fraud declines - Dutch Payments Association","description":"Net als in de voorgaande jaren zijn in 2013 het pinnen en online betalen fors gegroeid. Desondanks is de fraude daarmee meer dan gehalveerd.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/","og_locale":"en_US","og_type":"article","og_title":"Electronic payments grow as digital payment fraud declines","og_description":"Net als in de voorgaande jaren zijn in 2013 het pinnen en online betalen fors gegroeid. Desondanks is de fraude daarmee meer dan gehalveerd.","og_url":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/","og_site_name":"Dutch Payments Association","article_published_time":"2014-06-18T13:30:00+00:00","article_modified_time":"2026-08-07T01:16:33+00:00","og_image":[{"width":660,"height":660,"url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@NLbetalen","twitter_site":"@NLbetalen","twitter_misc":{"Written by":"","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/#article","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/"},"author":{"name":"","@id":""},"headline":"Electronic payments grow as digital payment fraud declines","datePublished":"2014-06-18T13:30:00+00:00","dateModified":"2026-08-07T01:16:33+00:00","mainEntityOfPage":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/"},"wordCount":489,"image":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/#primaryimage"},"thumbnailUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg","articleSection":["Annual report","News","Press release","Publication"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/","url":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/","name":"Electronic payments grow as digital payment fraud declines - Dutch Payments Association","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/#primaryimage"},"image":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/#primaryimage"},"thumbnailUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg","datePublished":"2014-06-18T13:30:00+00:00","dateModified":"2026-08-07T01:16:33+00:00","author":{"@id":""},"description":"Net als in de voorgaande jaren zijn in 2013 het pinnen en online betalen fors gegroeid. Desondanks is de fraude daarmee meer dan gehalveerd.","breadcrumb":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/#primaryimage","url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg","contentUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/JVS.jpg","width":660,"height":660,"caption":"Cover of the Dutch Payments Association's 2013 Annual Report. The cover has a light blue background with rounded colour areas, the Dutch Payments Association logo at the top and the title \u201cAnnual Report 2013\u201d prominently in purple and white."},{"@type":"BreadcrumbList","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/electronic-payments-grow-digital-payment-fraud-declines\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.betaalvereniging.nl\/en\/"},{"@type":"ListItem","position":2,"name":"Electronic payments grow as digital payment fraud declines"}]},{"@type":"WebSite","@id":"https:\/\/www.betaalvereniging.nl\/en\/#website","url":"https:\/\/www.betaalvereniging.nl\/en\/","name":"Dutch Payments Association","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.betaalvereniging.nl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"","url":"https:\/\/www.betaalvereniging.nl\/en\/news\/author\/"}]}},"_links":{"self":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/2351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/comments?post=2351"}],"version-history":[{"count":3,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/2351\/revisions"}],"predecessor-version":[{"id":5798,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/2351\/revisions\/5798"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media\/2352"}],"wp:attachment":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=2351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/categories?post=2351"},{"taxonomy":"btv_subject_tax","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_subject_tax?post=2351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}