{"id":352,"date":"2025-09-15T15:16:04","date_gmt":"2025-09-15T13:16:04","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=352"},"modified":"2026-02-26T15:37:32","modified_gmt":"2026-02-26T14:37:32","slug":"payment-journal-33","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-33\/","title":{"rendered":"Payments newsletter: Betaaljournaal 33"},"content":{"rendered":"\n<p class=\"has-intro-font-size\"><\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Twee oudere deelnemers werken samen achter een computer in een bibliotheekachtige omgeving, waarbij uitleg wordt gegeven en digitaal gebruik wordt ondersteund.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail.png 1280w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail-300x169.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail-1024x576.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail-768x432.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail-500x282.png 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail-832x468.png 832w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n<p>At Gijs Boudewijn&#8217;s memorable farewell on 15 May, I literally and figuratively took over from him. In recent weeks, I have already had the opportunity to meet many of our members and stakeholders. Among other things, I had the opportunity to explain the latest developments in collective payment transactions at the four largest municipalities in our country. During Money20\/20, I addressed many domestic and foreign payments experts during a breakfast session. That same morning, I stood alongside several Dutch public transport representatives on the stage of the German public transport congress of Kontiki e.V. in Amsterdam. Everywhere I go, I notice that payments are in the spotlight. This well-filled 33rd Payment Journal testifies to that again.<\/p>\n\n\n\n<p>The Netherlands leads the way in terms of safety, efficiency, accessibility and reliability of the collective payment system. Geopolitical, technological and other developments mean that we must continue to work closely with the various players in the payments system to keep it that way.<\/p>\n\n\n\n<p>I wish everyone a happy sunny summer and I am already looking forward to introducing the next Payment Journal after the holidays.<\/p>\n\n\n\n<p><strong>Arjan Bol, managing director<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#h-vanaf-2026-verbod-op-contante-betalingen-vanaf-3000\">From 2026 ban on cash payments from \u20ac3000 onwards<\/a><\/li>\n\n\n\n<li><a href=\"#h-eu-digital-identity-wallet-nbsp-voor-betalingen-lijkt-vooralsnog-in-strijd-met-psd2\"><em>EU Digital Identity Wallet<\/em> for payments appears to be in breach of PSD2 for now<\/a><\/li>\n\n\n\n<li><a href=\"#h-voor-het-eerst-in-jaren-groei-in-online-bestedingen-aan-producten\">Growth in online spending on products for the first time in years<\/a><\/li>\n\n\n\n<li><a href=\"#h-forse-stappen-gezet-voor-toegankelijke-betaaldiensten-voor-consumenten\">Substantial steps taken for accessible payment services for consumers<\/a><\/li>\n\n\n\n<li><a href=\"#h-plannen-digitale-euro-kunnen-fors-beslag-leggen-op-mensen-en-middelen-van-banken\">Digital euro plans could put huge strain on banks&#8217; people and resources<\/a><\/li>\n\n\n\n<li><a href=\"#h-betaalkaartenkoepel-ecpa-pleit-voor-europese-kaartsoevereiniteit\">Payment cards umbrella organisation ECPA calls for European card sovereignty<\/a><\/li>\n\n\n\n<li><a href=\"#h-bereid-je-voor-op-grote-betaalstoring-met-goede-terugvalopties\">Prepare for major payment failure with good fallback options<\/a><\/li>\n\n\n\n<li><a href=\"#h-vrijstellingen-voor-creditkaarten-nodig-bij-nieuwe-eu-wetgeving-voor-consumentenkredieten\">Credit card exemptions needed in new EU consumer credit legislation<\/a><\/li>\n\n\n\n<li><a href=\"#h-nieuwe-nederlandse-voorzitter-van-epc-aangetreden\">New Dutch chairman of EPC takes office<\/a><\/li>\n\n\n\n<li><a href=\"#h-over-betalingsverkeer\">About payments<\/a><\/li>\n\n\n\n<li><a href=\"#h-ook-interessant\">Also interesting<\/a><\/li>\n\n\n\n<li><a href=\"#h-verenigingsnieuws\">Association news<\/a><\/li>\n\n\n\n<li><a href=\"#h-agenda\">Agenda<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-from-2026-ban-on-cash-payments-above-3000\">From 2026 ban on cash payments above \u20ac3000<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"284\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/woman-paying-in-cash-banknotesshutterstock.jpg\" alt=\"Vrouw die bij een kass met contant geld betaalt.\" class=\"wp-image-354\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/woman-paying-in-cash-banknotesshutterstock.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/woman-paying-in-cash-banknotesshutterstock-300x140.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>Cash payments of \u20ac3000 or higher are expected to be banned from 1 January 2026 at the latest. This ban will apply to the payment of goods to professional traders (such as shopkeepers). Private individuals will be allowed to continue paying amounts higher than \u20ac3000 in cash to each other.<\/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;actueel&#x2F;nieuws&#x2F;verbod-contante-betalingen-3000&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore about the cash ban as of 2026\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<h2 class=\"wp-block-heading\" id=\"h-eu-digital-identity-wallet-for-payments-appears-to-conflict-with-psd2-for-now\"><em>EU Digital Identity Wallet<\/em> for payments appears to conflict with PSD2 for now<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"254\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/banner-BNL-EUROVISION-7nov-v3-alleen-de-vlag-610x254-1.png\" alt=\"\" class=\"wp-image-568\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/banner-BNL-EUROVISION-7nov-v3-alleen-de-vlag-610x254-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/banner-BNL-EUROVISION-7nov-v3-alleen-de-vlag-610x254-1-300x125.png 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>The new European eIDAS 2.0 regulation for digital identification will require payment service providers (PSPs), among others, to accept EU Digital Identity Wallets (EUDIWs) for the purpose of Strong Customer Authentication (SCA) for payments. However, it seems unfeasible for PSPs to accept EUDIWs for two-factor authentication (<a class=\"internal-link-juicer-keyword-link\" href=\"https:\/\/www.betaalvereniging.nl\/en\/glossary\/2fa\/\">2FA<\/a>) on the one hand and meet the stringent SCA requirements in PSD2 and in the Regulatory Technical Standards (RTS) for SCA of the European Banking Authority (EBA) on the other.<\/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;actueel&#x2F;nieuws&#x2F;eu-digitale-identity-wallet-interpretatie&#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\tFind out more about the feasibility of EUDIWs for payments\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<p>The Payments Association is participating in a <a href=\"https:\/\/www.betaalvereniging.nl\/betalingsverkeer\/maatschappij-politiek-en-wetgeving\/eidas\/#large-scale-pilots\"><em>Large Scale Pilot<\/em> (LSP)<\/a> with EUDIWs in payments. Within this LSP of the so-called WE BUILD Consortium, we, with Visa as co-lead, have a coordinating role for the <em>use case<\/em> &#8216;<em>consumer payments<\/em>&#8216;. With over 65 participating parties from all over Europe, we are working on pilots that show practical implementations of using the EUDI Wallet infrastructure in payment initiation. The project is expected to last two years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-growth-in-online-spending-on-products-for-the-first-time-in-years\">Growth in online spending on products for the first time in years<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"321\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Online-shoenen-kopen_408161878_1200x630-610x321-1.jpg\" alt=\"\" class=\"wp-image-570\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Online-shoenen-kopen_408161878_1200x630-610x321-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Online-shoenen-kopen_408161878_1200x630-610x321-1-300x158.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>Dutch consumers spent over \u20ac9 billion online in the first quarter of 2025, a growth of 4% compared to the same quarter in 2024; this growth comes mainly from spending on products ( 8%).<\/p>\n\n\n\n<p>The average amount spent per online purchase rose 6% to \u20ac110.<\/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;actueel&#x2F;nieuws&#x2F;voor-het-eerst-in-jaren-groei-in-online-bestedingen-aan-producten&#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\tRead the detailed report on the Thuiswinkel Market Monitor\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<h2 class=\"wp-block-heading\" id=\"h-substantial-steps-taken-towards-accessible-payment-services-for-consumers\">Substantial steps taken towards accessible payment services for consumers<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"407\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankinformatiepunt-bijeenkomst-2-Rotterdam-29-januari-2024-minder-geel-610x407-1.jpg\" alt=\"\" class=\"wp-image-571\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankinformatiepunt-bijeenkomst-2-Rotterdam-29-januari-2024-minder-geel-610x407-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Bankinformatiepunt-bijeenkomst-2-Rotterdam-29-januari-2024-minder-geel-610x407-1-300x200.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>On 27 May, the Accessible Banking programme presented the joint &#8216;Plan of Action Intensifying Accessible Banking 2025 and Beyond&#8217; at the Social Consultation on Payment Transactions (MOB). The plan focuses on improving the accessibility of banking and payment services. The MOB is confident that the extra efforts will have a positive impact.<\/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;actueel&#x2F;nieuws&#x2F;forse-stappen-toegankelijke-betaaldiensten&#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\tEverything about the intensification of the Accessible Banking program\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<h2 class=\"wp-block-heading\" id=\"h-digital-euro-plans-could-put-significant-strain-on-banks-people-and-resources\">Digital euro plans could put significant strain on banks&#8217; people and resources<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"406\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Digital-euro-received-2160115957-1000x666-3-610x406-1.jpg\" alt=\"\" class=\"wp-image-573\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Digital-euro-received-2160115957-1000x666-3-610x406-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Digital-euro-received-2160115957-1000x666-3-610x406-1-300x200.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>The European Commission (EC) is working on legislation to issue and use a digital euro to complement the cash euro of tangible coins and notes. The EC&#8217;s bill includes an implementation task for European banks. A study by consultancy PwC foresees a major impact on banks of the current plans for the digital euro.<\/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;actueel&#x2F;nieuws&#x2F;beslag-digitale-euro-mensen-middelen-banken&#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\tWhy the digital euro has such a big impact on banks\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<h2 class=\"wp-block-heading\" id=\"h-payment-cards-umbrella-organisation-ecpa-calls-for-european-card-sovereignty\">Payment cards umbrella organisation ECPA calls for European card sovereignty<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"436\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_410714692-610x436-1.jpg\" alt=\"\" class=\"wp-image-574\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_410714692-610x436-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/shutterstock_410714692-610x436-1-300x214.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>The <em>European Card Payment Association<\/em> (ECPA) has published its report &#8216;<em>Safeguarding Europe&#8217;s Financial Future<\/em>&#8216;, on the crucial role of European national payment cards, including the French Cartes Bancaires and the German Girocard. The report shows that more than 263 million national payment cards were in circulation in the EU in 2024, making 31.5 billion payments.<\/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;actueel&#x2F;nieuws&#x2F;ecpa-kaartsoevereiniteit&#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\tDiscover why ECPA advocates for card sovereignty\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<h2 class=\"wp-block-heading\" id=\"h-prepare-for-major-payment-disruption-with-good-fallback-options\">Prepare for major payment disruption with good fallback options<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"415\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/iDEALQR-code-610x415-1.jpg\" alt=\"\" class=\"wp-image-575\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/iDEALQR-code-610x415-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/iDEALQR-code-610x415-1-300x204.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>The Maatschappelijk Overleg Betalingsverkeer (MOB), with Betaalvereniging Nederland and other participants, has issued advice for consumers and business owners on how they can prepare for payments emergencies that last for three days.<\/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;actueel&#x2F;nieuws&#x2F;betaalstoring-terugvalopties&#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\tWhat if electronic payment doesn&#8217;t work?\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<h2 class=\"wp-block-heading\" id=\"h-credit-card-exemptions-needed-in-new-eu-consumer-credit-legislation-credit-legislation\">Credit card exemptions needed in new EU consumer credit legislation<br>credit legislation<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"509\" height=\"339\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710.jpg\" alt=\"\" class=\"wp-image-577\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710.jpg 509w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Toeristen-met-telefoon-en-pas-GettyImages-1013718710-300x200.jpg 300w\" sizes=\"auto, (max-width: 509px) 100vw, 509px\" \/><\/figure>\n\n\n\n<p>Dutch credit card issuers are concerned about the future accessibility and cost of credit cards for consumers. Dutch credit cards are at risk of soon falling under revised EU consumer credit legislation, known as the<em>Consumer Credit Directive 2<\/em>, or CCD2. This would make credit cards significantly more expensive and out of reach for some consumers.<\/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;actueel&#x2F;nieuws&#x2F;vrijstellingen-creditkaarten&#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\tWhy the new EU legislation is causing concern\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<h2 class=\"wp-block-heading\" id=\"h-new-dutch-chairman-of-epc-takes-office\">New Dutch chairman of EPC takes office<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"681\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/GB-JS-EPC-610x681-1.jpg\" alt=\"\" class=\"wp-image-579\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/GB-JS-EPC-610x681-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/GB-JS-EPC-610x681-1-269x300.jpg 269w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>On 11 June, Gijs Boudewijn took office in Brussels as the new chairman of the <em>European Payments Council<\/em> (EPC). Boudewijn was director of Betaalvereniging Nederland until 1 June this year.<\/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;actueel&#x2F;nieuws&#x2F;nieuwe-voorzitter-epc&#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\tRead more about Gijs Boudewijn&#8217;s EPC appointment\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<h2 class=\"wp-block-heading\" id=\"h-association-news\">Association news<\/h2>\n\n\n\n<p>From 1 July, Volksbank and SNS will continue under the ASN Bank name and brand. RegioBank and BLG Wonen will continue for a while under their own names.<\/p>\n\n\n\n<p>Revolut will join the Transfer Service for private individuals. From this summer, this will make it easier for consumers to switch to or from an account with Revolut, just like with other banks that have been participating in the Transfer Service for some time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-agenda\">Agenda<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 July &#8211; Board meeting<\/li>\n\n\n\n<li>4 September &#8211; Advisory Council<\/li>\n\n\n\n<li>9 September &#8211; Payment Institutions Advisory Council<\/li>\n\n\n\n<li>2 October &#8211; Board meeting<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-member-bulletin\">Member Bulletin<\/h2>\n\n\n\n<p>In addition to this Payment Journal, the Payments Association also publishes Member Bulletins. In these, we inform members about practical matters of interest. The bulletins usually appear a few times a month and relate to a specific topic. Are you a member but not yet receiving these bulletins? You can get yourself placed on the mailing list at <a href=\"mailto:secretariaat@betaalvereniging.nl\">secretariaat@betaalvereniging.nl<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-aanmelden-betaaljournaal\">Subscribe to Payment Journal<\/h2>\n\n\n\n<p>Also curious about the latest developments in payments? Stay informed via Betaaljournaal. You can register here.<\/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;inschrijven-betaaljournaal\"\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 Betaaljournaal\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","protected":false},"excerpt":{"rendered":"<p>At Gijs Boudewijn&#8217;s memorable farewell on 15 May, I literally and figuratively took over from him. In recent weeks, I have already had the opportunity to meet many of our members and stakeholders. Among other things, I had the opportunity to explain the latest developments in collective payment transactions at the four largest municipalities in [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":353,"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-352","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  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Payments newsletter: Betaaljournaal 33 - Dutch Payments Association<\/title>\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\/payment-journal-33\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payments newsletter: Betaaljournaal 33\" \/>\n<meta property=\"og:description\" content=\"At Gijs Boudewijn&#8217;s memorable farewell on 15 May, I literally and figuratively took over from him. In recent weeks, I have already had the opportunity to meet many of our members and stakeholders. Among other things, I had the opportunity to explain the latest developments in collective payment transactions at the four largest municipalities in [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-33\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-15T13:16:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T14:37:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"7 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\/payment-journal-33\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-33\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Payments newsletter: Betaaljournaal 33\",\"datePublished\":\"2025-09-15T13:16:04+00:00\",\"dateModified\":\"2026-02-26T14:37:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-33\/\"},\"wordCount\":1056,\"image\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-33\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/bj33-thumbnail.png\",\"articleSection\":[\"News\",\"Payments newsletter\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-33\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-33\/\",\"name\":\"Payments newsletter: Betaaljournaal 33 - 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