{"id":423,"date":"2025-04-29T17:03:00","date_gmt":"2025-04-29T15:03:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=423"},"modified":"2026-02-26T15:46:24","modified_gmt":"2026-02-26T14:46:24","slug":"payment-journal-32","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-32\/","title":{"rendered":"Payments newsletter: Betaaljournaal 32"},"content":{"rendered":"\n<p class=\"has-intro-font-size\">Spring brings us many new laws, reports and insights. The <em>European Accessibility Act<\/em> is knocking at the door, the Chartaal Act proposal has been amended and is going to the House of Representatives and dark clouds are gathering over Dutch credit cards as a result of the <em>Consumer Credit Directive<\/em> II. Unfortunately, as a result of geopolitical realities, the topic of resilience has also landed high on the payments agenda.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Spreker presenteert op podium tijdens congres, met groot scherm met het getal 32 op de achtergrond en publiek dat aandachtig luistert.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer.jpg 1500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer-1024x683.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer-768x512.jpg 768w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n<p>Fortunately, there are also more light-hearted developments, with &#8216;Paying at the Checkout 2024&#8217;, the &#8216;Home Shopping Market Monitor 2024&#8217; and our new<em>&#8216;Roadmap 2025-2027<\/em>&#8216;. Our stakeholder forum in April again had an extensive and informative programme, and was also the best-attended ever. Finally, our Annual Report 2024 has now been published on the website.<\/p>\n\n\n\n<p>This is my last foreword; after this, our new managing director Arjan Bol will take over from me. For over 11 years, I have had the pleasure of working together with our members, stakeholders and the colleagues of the Payments Association to improve and strengthen the Dutch payments ecosystem. Not without success, because I sincerely believe that our payments system is an example for Europe when it comes to reliability, innovation, digitalisation and efficiency, while maintaining inclusiveness and accessibility. Payments are there for everyone and should, in principle, always do it. I am proud to have been able to contribute to that.<\/p>\n\n\n\n<p><strong>Gijs Boudewijn, managing director<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#h-aangepaste-wet-chartaal-over-contant-geld-naar-tweede-kamer\">Adjusted Chartaal Wet (on cash) to Lower House<\/a><\/li>\n\n\n\n<li><a href=\"#h-stakeholderforum-in-teken-van-aanstaande-toegankelijkheidswet\">Stakeholder forum on upcoming accessibility law<\/a><\/li>\n\n\n\n<li><a href=\"#h-toegankelijk-en-inclusief-afrekenen-in-webwinkels\">Accessible and inclusive payment in webshops<\/a><\/li>\n\n\n\n<li><a href=\"#h-gevolgen-consumer-credit-directive-ii-voor-nederlandse-creditkaarten\">Consequences &#8216;Consumer Credit Directive II&#8217; for Dutch credit cards<\/a><\/li>\n\n\n\n<li><a href=\"#h-jaarverslag-betaalvereniging-2024-in-teken-van-toegankelijkheid-en-wetgeving\">Payments Association annual report: 2024 marked by accessibility and legislation<\/a><\/li>\n\n\n\n<li><a href=\"#h-vooral-jongeren-en-ouderen-pinnen-vaker-aan-de-kassa\">Young and elderly in particular use debit cards more often at the checkout<\/a><\/li>\n\n\n\n<li><a href=\"#h-online-bestedingen-naar-36-miljard-in-2024\">Online spending to \u20ac36 billion in 2024<\/a><\/li>\n\n\n\n<li><a href=\"#h-nieuwe-roadmap-betaalvereniging-ontwikkelingen-europese-betalingsverkeer\">New Payments Association Roadmap: developments in European payments<\/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-adjusted-chartaal-bill-on-cash-to-lower-house\">Adjusted Chartaal Bill (on cash) to Lower House<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"388\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Tweede-kamer-DE-BEELDREDAKTIE-HR_02-118432948-610x388-1.jpg\" alt=\"\" class=\"wp-image-425\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Tweede-kamer-DE-BEELDREDAKTIE-HR_02-118432948-610x388-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Tweede-kamer-DE-BEELDREDAKTIE-HR_02-118432948-610x388-1-300x191.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>On 25 March, the <a href=\"https:\/\/www.rijksoverheid.nl\/documenten\/kamerstukken\/2025\/03\/25\/voorstel-wet-chartaal-betalingsverkeer\">amended bill on cash <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> was sent to the House of Representatives. The most notable changes in the bill are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many details will be further determined in AMvBs (Orders in Council).<\/li>\n\n\n\n<li>For Money Size ATMs, the existing five-kilometre standard will be &#8220;involved&#8221; in the AMvBs on <strong>accessibility<\/strong> (and possibly also on a <strong>minimum number of ATMs<\/strong>).<\/li>\n\n\n\n<li>Consumers should be able to deposit (unpackaged) notes free of charge.<\/li>\n\n\n\n<li>The lower limit for this deposit obligation for banks has been raised from 50,000 to 500,000 <strong>checking account holders<\/strong>.<\/li>\n\n\n\n<li>Businesses should be able to withdraw and deposit cash at <strong>maximum rates<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>The next step in the legislative process is for the House Finance Committee to ask questions of the minister. The proposal will then be debated in the House of Representatives and eventually in the Senate.<\/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=\"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;actueel&#x2F;nieuws&#x2F;contant-geld&#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 upcoming laws and regulations for cash\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\n\n<h2 class=\"wp-block-heading\" id=\"h-stakeholder-forum-on-upcoming-accessibility-law\">Stakeholder forum on upcoming accessibility law<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"264\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/stakeholderforum-610x264-1.jpg\" alt=\"\" class=\"wp-image-426\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/stakeholderforum-610x264-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/stakeholderforum-610x264-1-300x130.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>The Payments Association held another stakeholder forum on 14 April, and this time it was largely dominated by the <a href=\"https:\/\/accessible-eu-centre.ec.europa.eu\/content-corner\/news\/eaa-comes-effect-june-2025-are-you-ready-2025-01-31_en\">European Accessibility Act <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> (EAA), which comes into force on 28 June. <a href=\"https:\/\/www.rabobank.nl\/toegankelijkheid\">Rabobank <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> explained how the upcoming accessibility obligations are being implemented across the organisation. <a href=\"https:\/\/www.ccv.eu\/nl\/over-ccv\/nieuws\/ccv-en-de-europese-toegankelijkheidswet-eaa\">Payment service provider CCV <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> and <a href=\"https:\/\/ingenico.com\/en\/newsroom\/blogs\/making-touchscreen-terminals-accessible-people-visual-impairment\">payment terminal supplier Ingenico <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> demonstrated how people with sight impairments can use their new payment terminals.<\/p>\n\n\n\n<p>It was a rich programme that further covered these topics:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the implications of the <a href=\"https:\/\/www.betaalvereniging.nl\/betalingsverkeer\/maatschappij-politiek-en-wetgeving\/eidas\/\">eIDAS 2.0 Regulation<\/a> for banking and payments;<\/li>\n\n\n\n<li>all about the <a href=\"https:\/\/www.basisbankrekening.nl\/\">legal right to a payment account <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li>payment transactions at <a href=\"https:\/\/www.belastingdienst.nl\/wps\/wcm\/connect\/nl\/betalenenontvangen\/content\/hoe-betalen-aan-belastingdienst\">the Tax Office <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>;<\/li>\n\n\n\n<li>developments around <a href=\"https:\/\/www.betaalvereniging.nl\/betalingsverkeer\/giraal-betalingsverkeer\/instant-payments\/verordening\/\">Instant Payments and Verification of Payee<\/a>;<\/li>\n\n\n\n<li>insights on <a href=\"#h-vooral-jongeren-en-ouderen-pinnen-vaker-aan-de-kassa\">Payments at the Checkout in 2024<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Representatives of stakeholders in the Dutch collective payment system can register with us for our future stakeholder forums. We will organise these two or three times a 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=\"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;over-ons&#x2F;bureau&#x2F;contact&#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\tSign up for our stakeholder forums\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\n\n<h2 class=\"wp-block-heading\" id=\"h-accessible-and-inclusive-checkout-in-online-stores\">Accessible and inclusive checkout in online stores<\/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\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer-610x407-1.jpg\" alt=\"\" class=\"wp-image-427\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer-610x407-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer-610x407-1-300x200.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>Technological developments in payments are accelerating and adoption curves are getting shorter. People with limited digital skills are increasingly at risk of being excluded from society in the current digitalisation process, and this is worrying, also from a business perspective. After all, they are an increasingly large group of consumers.<\/p>\n\n\n\n<p>The Payments Association, together with Mastercard and Visa, conducted research into the <em>checkout<\/em> of webshops (into online ordering and checkout). Together with Mastercard, we presented the results at &#8216;Future of Payments&#8217; in March. Important lesson: display payment options clearly. less is more!&#8217; Limit the information on the checkout page, use short simple sentences and avoid English jargon.<\/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=\"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;wp-content&#x2F;uploads&#x2F;sites&#x2F;4&#x2F;2025&#x2F;09&#x2F;Rapport-onderzoek-optimale-betaalpagina-compleet_kl.pdf\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\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 all the findings and recommendations from this study\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\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\n\n<h2 class=\"wp-block-heading\" id=\"h-consequences-consumer-credit-directive-ii-for-dutch-credit-cards\">Consequences &#8216;Consumer Credit Directive II&#8217; for Dutch credit cards<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"217\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Consultaties-crop-610x217-1.png\" alt=\"\" class=\"wp-image-428\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Consultaties-crop-610x217-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Consultaties-crop-610x217-1-300x107.png 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>The implementation bill for the &#8216;revised Consumer Credit Directive&#8217; transposes EU Directive 2023\/2225 (the <em>Consumer Credit Directive II<\/em>) into Dutch law.<\/p>\n\n\n\n<p>Under the current bill, Dutch credit cards risk becoming more expensive and unattainable for some, due to stringent new requirements intended for &#8216;after payment&#8217; (also known as <em>Buy Now Pay Later<\/em> or BNPL) but which no longer provide an exemption for the well-regulated Dutch credit cards.<\/p>\n\n\n\n<p>A <a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewetccdii\/b1\">public internet consultation <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> on this implementation law started on 15 April. The Payments Association, together with members, will react to the proposal, especially where it affects common Dutch credit cards, known asdeferred<em>debit cards<\/em>.<\/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=\"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;betalingsverkeer&#x2F;consultaties&#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\tView all recent consultations on payments\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\n\n<h2 class=\"wp-block-heading\" id=\"h-payments-association-annual-report-2024-dominated-by-accessibility-and-legislation\">Payments Association annual report: 2024 dominated by accessibility and legislation<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"431\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/JVS-2024-610x431-1.png\" alt=\"\" class=\"wp-image-429\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/JVS-2024-610x431-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/JVS-2024-610x431-1-300x212.png 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>For Payments Association Netherlands, 2024 was dominated by accessible banking and payments and various legislative processes. Last year, together with our members, we carried out many activities as part of the Accessible Banking programme. In addition, the implementation of the European Accessibility Act was prepared and many consultations took place on legislation to keep cash available, accessible and reachable.<\/p>\n\n\n\n<p>Other European legislation that was prepared in 2024 and will be finalised or implemented from 2025 should guide further digitalisation, such as eIDAS 2.0, the PSR Payment Services Regulation, the PSD3 Payment Services Directive and the IPV Instant Payment Regulation. Finally, a legal framework for a possible digital euro is also in preparation.<\/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=\"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;actueel&#x2F;nieuws&#x2F;jaarverslag-2024&#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 about these and many other topics in our annual report\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\n\n<h2 class=\"wp-block-heading\" id=\"h-younger-and-older-people-in-particular-are-more-likely-to-make-debit-card-payments-at-the-till\">Younger and older people in particular are more likely to make debit card payments at the till<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"431\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Factsheet-Betalen-aan-de-Kassa-2024-610x431-1.png\" alt=\"\" class=\"wp-image-430\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Factsheet-Betalen-aan-de-Kassa-2024-610x431-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Factsheet-Betalen-aan-de-Kassa-2024-610x431-1-300x212.png 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>The share of debit card payments in total payments at the checkout remained unchanged at 80% in 2024, but there are notable outliers among certain age groups. In particular, young people between 12 and 18 years and seniors between 65 and 74 years paid more often with a debit card, mobile phone or smartwatch than a year earlier. This is according to research conducted jointly by Betaalvereniging Nederland and DNB.<\/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=\"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;actueel&#x2F;nieuws&#x2F;vooral-jongeren-en-ouderen-pinnen-vaker-aan-de-kassa&#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 all about paying at the counter in 2024\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\n\n<h2 class=\"wp-block-heading\" id=\"h-online-spending-to-36-billion-in-2024\">Online spending to \u20ac36 billion in 2024<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"474\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Online-shoppen-610x474-1.png\" alt=\"\" class=\"wp-image-431\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Online-shoppen-610x474-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Online-shoppen-610x474-1-300x233.png 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n<p>Dutch consumers will have spent \u20ac36 billion online in 2024, a 5% growth compared to 2023. The number of online purchases fell by 1% to 345 million. 12% of online spending and purchases went to foreign webshops, accounting for \u20ac4.4 billion ( 12%) and 41 million purchases ( 4%). This is according to the latest figures from the Thuiswinkel Markt Monitor, the research into online consumer spending in the Netherlands. This research is conducted by NielsenIQ GfK on behalf of Thuiswinkel.org and Retail Insiders and in cooperation with PostNL and Betaalvereniging Nederland.<\/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=\"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;actueel&#x2F;nieuws&#x2F;online-bestedingen-2024&#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\tSee all figures on online shopping in 2024\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\n\n<h2 class=\"wp-block-heading\" id=\"h-new-payments-association-roadmap-developments-in-european-payments\">New Payments Association roadmap: developments in European payments<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"543\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Roadmap-Betaalvereniging-Nederland-2025-2027-voorkant-768x543-1.png\" alt=\"\" class=\"wp-image-432\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Roadmap-Betaalvereniging-Nederland-2025-2027-voorkant-768x543-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Roadmap-Betaalvereniging-Nederland-2025-2027-voorkant-768x543-1-300x212.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p>The Payments Association has again updated its roadmap for the next three years, based on developments in the European payments system. In our new roadmap, we pay attention to cash (after all, new legislation is coming in both the Netherlands and Europe) and new dossiers, such as eIDAS and Digital Direct Debit (Digitaal Incassomachtigen).<\/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=\"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;actueel&#x2F;nieuws&#x2F;roadmap-2025&#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 the latest roadmap from the Dutch Payments Association\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\n\n<h2 class=\"wp-block-heading\" id=\"h-about-payments\">About payments<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/geldland.nl\/hoe-werkt-de-iban-naam-check\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-24-IBAN-naam-Check-1024x576.png\" alt=\"\" class=\"wp-image-718\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-24-IBAN-naam-Check-1024x576.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-24-IBAN-naam-Check-300x169.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-24-IBAN-naam-Check-768x432.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-24-IBAN-naam-Check-500x282.png 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-24-IBAN-naam-Check-832x468.png 832w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-24-IBAN-naam-Check.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> <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><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/geldland.nl\/buy-now-pay-later-een-handige-optie-of-een-gevaarlijke-valkuil\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-23-BNPL-1024x576.png\" alt=\"\" class=\"wp-image-719\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-23-BNPL-1024x576.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-23-BNPL-300x169.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-23-BNPL-768x432.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-23-BNPL-500x282.png 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-23-BNPL-832x468.png 832w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Tumbnail-Geldland-23-BNPL.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> <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><\/figure>\n\n\n\n<p>22% more debit card payments with smartphones in 2024<\/p>\n\n\n\n<p>Strongest rise in debit card payments among students aged 12 to 18, from 78% to 84%<\/p>\n\n\n\n<p><a href=\"https:\/\/factsheet.betaalvereniging.nl\/\">More figures in our factsheet <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<h2 class=\"wp-block-heading\" id=\"h-association-news\">Association news<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"65\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Logo-Clear-Bank-400x65-1.png\" alt=\"\" class=\"wp-image-436\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Logo-Clear-Bank-400x65-1.png 400w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/04\/Logo-Clear-Bank-400x65-1-300x49.png 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p>We warmly welcome Clear.Bank as a new member of the Payments Association.<\/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>15 May &#8211; Congress to mark the farewell of Gijs Boudewijn<\/li>\n\n\n\n<li>27 May &#8211; MOB spring meeting<\/li>\n\n\n\n<li>3 to 5 June &#8211; <a href=\"https:\/\/europe.money2020.com\/\">Money20\/20 Europe <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>, Amsterdam<\/li>\n\n\n\n<li>10 June &#8211; Advisory Council<\/li>\n\n\n\n<li>17 June &#8211; Payment Institutions Advisory Council<\/li>\n\n\n\n<li>3 July &#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 cover 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-subscribe-to-payment-journal\">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\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spring brings us many new laws, reports and insights. The European Accessibility Act is knocking at the door, the Chartaal Act proposal has been amended and is going to the House of Representatives and dark clouds are gathering over Dutch credit cards as a result of the Consumer Credit Directive II. Unfortunately, as a result [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":424,"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-423","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>Payjournal 32: Spring Updates and Developments %%page% - Dutch Payments Association %%<\/title>\n<meta name=\"description\" content=\"Payment Journal 32 offers insight into current topics such as the Consumer Credit Directive II and trends in the payments industry.\" \/>\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-32\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payments newsletter: Betaaljournaal 32\" \/>\n<meta property=\"og:description\" content=\"Payment Journal 32 offers insight into current topics such as the Consumer Credit Directive II and trends in the payments industry.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-32\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-29T15:03:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T14:46:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\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=\"9 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-32\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-32\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Payments newsletter: Betaaljournaal 32\",\"datePublished\":\"2025-04-29T15:03:00+00:00\",\"dateModified\":\"2026-02-26T14:46:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-32\/\"},\"wordCount\":1313,\"image\":{\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-32\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/296-Euroforum-ToekomstvanhetBetalingsverkeer.jpg\",\"articleSection\":[\"News\",\"Payments newsletter\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-32\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-journal-32\/\",\"name\":\"Payjournal 32: Spring Updates and Developments %%page% - 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