{"id":894,"date":"2023-04-25T00:04:00","date_gmt":"2023-04-24T22:04:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=894"},"modified":"2026-08-06T16:38:30","modified_gmt":"2026-08-06T14:38:30","slug":"betaaljournaal-21","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/betaaljournaal-21\/","title":{"rendered":"Payments newsletter: Betaaljournaal 21"},"content":{"rendered":"\n\n<p class=\"has-intro-font-size wp-block-paragraph\">There was plenty of news about payments between Carnival and Easter. The Dutch Payments Association and DNB published their annual report on \u2018Point-of-Sale Payments\u2019, the Thuiswinkel Market Monitor 2022 has been released, we have published our updated roadmap, the EPC has posted a profile of the Dutch payments sector on its website, and we held a well-attended public event on Open Banking and SPAA.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">A highly significant operation has taken place relatively quietly across Europe: the migration from TARGET2 to the new T2 system for the large-scale settlement of euro payments between banks by the Eurosystem. For payment service providers, this migration was just as significant as the introduction of SEPA in 2014. Another recent development at European level was the European Commission\u2019s public consultation on its legislative proposal to make the support of Instant Payments de facto mandatory for payment service providers in the EU.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The <a class=\"internal-link-juicer-keyword-link\" href=\"https:\/\/www.betaalvereniging.nl\/en\/glossary\/acceptgiro\/\">Acceptgiro<\/a> is unique to the Netherlands. This iconic payment form is soon to be phased out after almost 50 years, in a world that is becoming increasingly digital. In this edition of Betaaljournaal, we shine a spotlight once again on the illustrious history of the Acceptgiro.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">I hope our readers once again enjoy reading this issue and have a pleasant bank holiday and festive season. We expect the flea markets on King\u2019s Day to be a great success once again, for both buyers and sellers, thanks in part to the convenience and reliability of Instant Payments, IBAN Name Check, mobile payment requests, iDEAL and QR codes, all made possible by our members. And, of course, cash payments will also be available for those who still prefer them.<\/p>\n\n\n\n\n\n<p class=\"has-intro-font-size wp-block-paragraph\"><strong>Gijs Boudewijn, Managing Director<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/betaaljournaal-21-thumbnail.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Speaker and moderator in front of a full conference hall about payments, with a large blue area with the number 21 over the audience.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/betaaljournaal-21-thumbnail.jpg 1000w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/betaaljournaal-21-thumbnail-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/betaaljournaal-21-thumbnail-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n\n<ul class=\"wp-block-list\">\n\n<li><a href=\"#h-mobiel-betalen-in-2022-even-populair-als-contant-geld-aan-de-kassa\">Mobile payments were as popular as cash at the till in 2022<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-nieuwe-taskforce-richt-zich-op-implementatie-van-european-accessibility-act\">New task force focuses on implementation of the European Accessibility Act<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-open-banking-evenement-spaa-open-access-beyond-psd2\">Open banking event \u2018SPAA: open access beyond PSD2\u2019<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-succesvolle-migratie-naar-t2-het-nieuwe-systeem-voor-interbancaire-clearing-amp-settlement-in-de-eurozone\">Successful migration to T2, the new system for interbank \u2018clearing &#038; settlement\u2019 in the eurozone<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-definitief-afscheid-van-acceptgiro\">Final farewell to Acceptgiro<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-nederlandse-consument-geeft-in-2022-online-33-3-miljard-uit\">Dutch consumers spent \u20ac33.3 billion online in 2022<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-wetsvoorstel-europese-commissie-voor-instant-payments\">European Commission\u2019s legislative proposal for Instant Payments<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-de-roadmap-van-de-betaalvereniging-dit-gaan-we-de-komende-drie-jaar-doen\">The Dutch Payments Association\u2019s roadmap: what we will be doing over the next three years<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-epc-landenprofiel-hoe-verhoudt-het-nederlandse-betalingsverkeer-zich-tot-de-hele-eu\">EPC country profile: how does the Dutch payments sector compare with the EU as a whole?<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-verenigingsnieuws\">Association news<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-geldland\">Geldland<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-cijfers\">Figures<\/a><\/li>\n\n\n\n\n\n<li><a href=\"#h-agenda\">Calendar<\/a><\/li>\n\n<\/ul>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mobiel-betalen-in-2022-even-populair-als-contant-geld-aan-de-kassa\">Mobile payments were as popular as cash at the till in 2022<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-1-768x432-1.png\" alt=\"Infographic comparing mobile, debit card and cash payments at the point of sale in 2022.\" class=\"wp-image-896\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-1-768x432-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-1-768x432-1-300x169.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Betalen-aan-de-kassa-2022-1-768x432-1-500x282.png 500w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">In 2022, cardless payments using smartphones and wearables became as popular as cash at the till in the Netherlands, with cardless debit card payments accounting for 21 per cent and cash for 20 per cent. Debit card payments, including all contactless variants, accounted for 80 per cent of all point-of-sale payments.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Research by De Nederlandsche Bank and the Dutch Payments Association shows that school pupils, the over-65s and people who struggle to make ends meet, in particular, continue to pay with cash. The use of cash appears to have stabilised following the coronavirus pandemic, whilst new payment methods, such as contactless payments via mobile phones or wearables, are gaining in popularity. People who struggle to make ends meet are more likely to pay in cash, which helps them maintain greater control over their spending.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;news&#x2F;mobile-payments-2022-as-popular-as-cash-at-till&#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 information about point-of-sale payments in 2022\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\n\n<h2 class=\"wp-block-heading\" id=\"h-nieuwe-taskforce-richt-zich-op-implementatie-van-european-accessibility-act\">New task force focuses on implementing the European Accessibility Act<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"330\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/taskforce-eac-768x330-1.png\" alt=\"Representatives of Dutch banks in the European Accessibility Act Task Force.\" class=\"wp-image-897\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/taskforce-eac-768x330-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/taskforce-eac-768x330-1-300x129.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Dutch banks are constantly working to improve services for vulnerable groups, such as older people or those with disabilities, so that they can continue to manage their banking affairs without difficulty and to prevent them from being financially excluded. The banks have even recently made a formal <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/commitment-banken-beter-toegankelijk-betalingsverkeer.pdf\">commitment<\/a> to this, following a recent DNB study.<\/p>\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-inclusieve-re-samenleving\">A more inclusive society<\/h3>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The Dutch Payments Association has carefully considered how it can play a coordinating role in the implementation of the guidelines set out in <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/HTML\/?uri=CELEX:32016L2102\"><em>the European Accessibility Act<\/em> <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>. In March 2023, the Dutch Payments Association decided to transform the Accessibility and Inclusivity Working Group (WTI), established in June 2020, into the European Accessibility Act Task Force (TFEAA). The TFEAA comprises representatives from ABN AMRO, ING, Rabobank, Triodos and de Volksbank, just as in the former WTI. De Nederlandsche Bank participates as an observer. Read more about the themes and objectives of the TFEAA.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;knowledge-base&#x2F;european-legislation&#x2F;european-accessibility-act&#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 the TFEAA\u2019s themes and objectives\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\n\n<h2 class=\"wp-block-heading\" id=\"h-open-banking-evenement-spaa-open-access-beyond-psd2\">Open banking event \u2018SPAA: open access beyond PSD2\u2019<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/23008-0418-0044.jpg\" alt=\"Participants at the SPAA open banking event hosted by the Dutch Payments Association.\" class=\"wp-image-898\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/23008-0418-0044.jpg 1000w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/23008-0418-0044-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/23008-0418-0044-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">On 18 April, the Dutch Payments Association organised the event \u2018SPAA: open access beyond PSD2\u2019. The event focused on <em>open banking<\/em> in the Netherlands. It was well attended by, amongst others, bankers, payment institutions, regulators and consultants. Silvia Mensdorff-Pouilly, Head of Corporates &#038; International Banking at FIS, chaired the proceedings.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Hessel Kuik, chair of PSD2SIG and CEO of Bizcuit, kicked off the event with a presentation on the current state of <em>open banking<\/em> in the Netherlands. There is still work to be done before <em>open banking<\/em> can be deemed a success, but in recent years the sector has taken steps in the right direction. Charles Damen, CPO at Token, offered interesting insights into how <em>open banking<\/em> is being shaped in the UK. Emanuel van Praag, a solicitor at Kennedy Van der Laan and professor of Financial Technology and Law, shared his vision for the future of <em>open banking<\/em> and <em>open finance<\/em>: where is data sharing heading? His presentation showed that open banking is only the beginning. Gijs Boudewijn presented the SEPA <em>Payment Account Access<\/em> (SPAA) <em>scheme<\/em>. This sector initiative sets out a framework for <em>premium open banking<\/em> services, under which such services can be offered for a fee. As co-chair of the SPAA <em>Multi-Stakeholder Group,<\/em> Gijs Boudewijn is closely involved in this initiative. The event concluded with a lively panel discussion on the SPAA <em>scheme<\/em> featuring Jan van Vonno, Head of Strategy at Tink; Atze Faas, Payments Advisor at EuroCommerce; Gijs Boudewijn; and Silvia Mensdorff-Pouilly. The discussion highlighted that SPAA can boost the adoption of <em>open banking<\/em> and outlined the conditions SPAA must meet to be a success.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;spaa-open-access-beyond-psd2&#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 the report and photos on our event page\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\n\n<h2 class=\"wp-block-heading\" id=\"h-succesvolle-migratie-naar-t2-het-nieuwe-systeem-voor-interbancaire-clearing-amp-settlement-in-de-eurozone\">Successful migration to T2, the new system for interbank \u2018clearing and settlement\u2019 in the euro area<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"513\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/ECB_gebouw_1610784274-1-768x513-1.jpg\" alt=\"European Central Bank building in Frankfurt.\" class=\"wp-image-698\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/ECB_gebouw_1610784274-1-768x513-1.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/ECB_gebouw_1610784274-1-768x513-1-300x200.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Over the weekend of 18 and 19 March, the Eurosystem successfully implemented the new T2 system for interbank \u2018clearing &#038; settlement\u2019. The migration, which also required banks and transaction processors to switch over their systems, went smoothly. On 20 March, T2 successfully processed the usual daily volume of around 400,000 transactions.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Dutch banks and transaction processors also completed the transition without any problems, thanks to <a href=\"https:\/\/www.betaalvereniging.nl\/actueel\/nieuws\/end-to-end-testen-target2-consolidatie\/\">thorough preparations and testing<\/a>, supported by De Nederlandsche Bank (DNB) and the Dutch Payments Association. The T2 system handles the so-called \u2018real-time gross settlement\u2019 of euro payments between banks within the eurozone.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;news&#x2F;successful-migration-t2-new-interbank-clearing-settlement-system-eurozone&#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 information about the successful T2 migration\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\n\n<h2 class=\"wp-block-heading\" id=\"h-definitief-afscheid-van-acceptgiro\">Final farewell to Acceptgiro<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"295\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/IBAN_Acceptgiro-610x295-1.jpg\" alt=\"Dutch IBAN Acceptgiro payment form.\" class=\"wp-image-899\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/IBAN_Acceptgiro-610x295-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/IBAN_Acceptgiro-610x295-1-300x145.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">On 31 May, the last Acceptgiro forms in the Netherlands will be processed. The Acceptgiro was introduced jointly in 1977 by the banks and the (then) Postcheque and Giro Service (PCGD). It was the successor to the Stortings- en Acceptgirokaart (or STAC card, a punch card).<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">In the heyday of the Acceptgiro, more than 300 million paper forms were processed each year. By 2023, the volume had fallen to just 0.3 per cent of that figure.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Since the 1980s, the Acceptgiro form has been characterised by its blue design. There was also a green variant, the \u2018Actie-Accept\u2019, which could only be used for voluntary donations.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">When the euro was introduced on 1 January 2002, the blue guilder form was replaced by the yellow euro Acceptgiro form, and the green version for donations was discontinued.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">In 2014, the form was amended once more to accommodate the IBAN (<em>International Bank Account Number<\/em>). The seven-digit giro numbers and ten-digit bank account numbers were then replaced by the 18 characters of the Dutch IBAN.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">It has since become apparent that both businesses and private individuals have replaced this payment method with one or more alternative payment methods. For example, by using paper bank transfer forms, direct debit authorisations (either on paper or digitally), iDEAL with a QR code, or other payment methods, usually digital.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">From 1 June 2023, Acceptgiro forms can no longer be submitted on paper to transfer money from one current account to another. Just like the cassette tape, the Acceptgiro has thus joined the hall of fame of iconic but now obsolete data storage media.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nederlandse-consument-geeft-in-2022-online-33-3-miljard-uit\">Dutch consumers spent \u20ac33.3 billion online in 2022<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"692\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_Thuiswinkel_Markt_Monitor_2022_FY-768x692-1.png\" alt=\"Infographic on Dutch online purchases and spending in 2022.\" class=\"wp-image-900\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_Thuiswinkel_Markt_Monitor_2022_FY-768x692-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic_Thuiswinkel_Markt_Monitor_2022_FY-768x692-1-300x270.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Dutch consumers spent \u20ac33.3 billion on online purchases in 2022, an increase of 9% compared with 2021. Figures from the Thuiswinkel Markt Monitor show that the number of purchases fell by 5%, whilst the average amount spent per purchase rose by 15%. Online purchases and spending on services increased, whilst spending on products fell.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The popularity of online shopping remained stable. The share of online purchases in total spending grew from 31% to 32%. The number of online purchases made via smartphones rose from 29% to 33%, and iDEAL remained the most widely used payment method, accounting for 70% of online purchases.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;news&#x2F;dutch-consumers-spent-33-3-billion-online-2022&#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 information about Dutch consumers\u2019 online spending\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\n\n<h2 class=\"wp-block-heading\" id=\"h-wetsvoorstel-europese-commissie-voor-instant-payments\">European Commission\u2019s legislative proposal on Instant Payments<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"205\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/BNL033-website-foto-26-instant-payments-768x205-1.png\" alt=\"Illustration representing Instant Payments.\" class=\"wp-image-633\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/BNL033-website-foto-26-instant-payments-768x205-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/BNL033-website-foto-26-instant-payments-768x205-1-300x80.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">On 26 October 2022, the European Commission <a href=\"https:\/\/ec.europa.eu\/finance\/docs\/law\/221026-proposal-instant-payments_en.pdf\">published a legislative proposal on Instant Payments <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> (for a \u2018regulation\u2019). Instant Payments are set to become the new norm in the EU. The Commission proposes to make <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/instant-payments\/\">Instant Payments<\/a> mandatory for payment service providers that already offer standard credit transfers (SCTs), to prohibit surcharges on top of standard credit transfers, to make an <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/iban-name-check\/\">IBAN Name Check<\/a> mandatory, and to make sanctions screening less burdensome. An exemption has been included for (non-bank) payment institutions and electronic money institutions.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The Dutch Payments Association, together with its members, has <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/230104-EC-SCT-Inst-proposal-DPA-reaction.pdf\">responded to the<\/a> European Commission\u2019s <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/230104-EC-SCT-Inst-proposal-DPA-reaction.pdf\">consultation<\/a> and recommends amending the proposal on a number of points:<\/p>\n\n\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>Require payment service providers connected to the SCT to make at least one digital interface available for sending Instant Payments;<\/li>\n\n\n\n\n\n<li>Leave the provision of Instant Payments for bulk payments (batches) to the market;<\/li>\n\n\n\n\n\n<li>Require payment service providers to offer an opt-out for IBAN name verification only where the customer is required to pay for the service;<\/li>\n\n\n\n\n\n<li>Remove the obligation for payment service providers serving a specific market segment with low volumes where there is no demand for Instant Payments;<\/li>\n\n\n\n\n\n<li>Extend the deadlines for the implementation of Instant Payments and the IBAN name check.<\/li>\n\n<\/ul>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The European Parliament is currently considering the legislative proposal. Rapporteur Michiel Hoogeveen has already published his <a href=\"https:\/\/www.europarl.europa.eu\/doceo\/document\/ECON-PR-742661_EN.html\">draft report <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>. The legislative process surrounding this dossier is progressing rapidly, and the final legislative proposal is expected to be tabled in the autumn of 2023.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-de-roadmap-van-de-betaalvereniging-dit-gaan-we-de-komende-drie-jaar-doen\">The Dutch Payments Association\u2019s roadmap: what we will be doing over the next three years<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"321\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/roadmap-23-25-768x321-1.jpg\" alt=\"Cover of the Dutch Payments Association roadmap for 2023\u20132025.\" class=\"wp-image-902\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/roadmap-23-25-768x321-1.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/roadmap-23-25-768x321-1-300x125.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">As we do every year, we have published our <em>roadmap<\/em>. In this <em>roadmap,<\/em> we look three years ahead (2023\u20132025) at the key developments that will and may affect us and our sector. This version of the <em>roadmap<\/em> also sets out how the expected developments will be reflected in our 2023 Annual Plan.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;wp-content&#x2F;uploads&#x2F;sites&#x2F;4&#x2F;2025&#x2F;09&#x2F;Roadmap-Betaalvereniging-Nederland-2023-2025.pdf\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tDownload and read the full roadmap\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\n\n<h2 class=\"wp-block-heading\" id=\"h-epc-landenprofiel-hoe-verhoudt-het-nederlandse-betalingsverkeer-zich-tot-de-hele-eu\">EPC country profile: how does the Dutch payments sector compare with the EU as a whole?<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"433\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/EPC-logo-610x433-1.jpg\" alt=\"European Payments Council logo.\" class=\"wp-image-904\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/EPC-logo-610x433-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/EPC-logo-610x433-1-300x213.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Gijs Boudewijn discusses the Dutch payments landscape in a <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\">country profile from a series published by the European Payments Council <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> (EPC). The profile covers key characteristics and recent developments in the Dutch payments landscape and examines topics such as Instant Payments, IBAN Name Check and the costs and revenues of payment services in the Netherlands.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">What is not reflected in the EPC\u2019s standard charts is that debit card payments account for 80 per cent of all Dutch in-store payments, whilst 70 per cent of Dutch online payments are made via iDEAL.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.europeanpaymentscouncil.eu&#x2F;news-insights&#x2F;insight&#x2F;how-dutch-became-frontrunners-payment-transformation\"\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 the EPC country profile for the Netherlands\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\n\n<h2 class=\"wp-block-heading\" id=\"h-verenigingsnieuws\">Association news<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">We welcome our newest member, XXImo Financial Services. They operate as a Dutch electronic money institution specialising in mobility solutions and as an issuer of payment cards. Welcome!<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">On 17 May, the Dutch Payments Association will hold its half-yearly general meeting. Members will shortly find the invitation and accompanying meeting documents on our <a href=\"https:\/\/infonet.betaalvereniging.nl\/\">Infonet <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> portal. Following the meeting, there will be an informative session on the implementation of the accessibility programme in response to the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/commitment-banken-beter-toegankelijk-betalingsverkeer.pdf\">\u2018commitment\u2019<\/a> issued by the banks at the end of January. The session will take place <a href=\"https:\/\/goo.gl\/maps\/RPqpwQPbteuHN5HLA\">at the Dutch Payments Association\u2019s offices <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> in the Auditorium.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-geldland\">Geldland<\/h2>\n\n\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"309\" height=\"180\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/geldland-logo-e1676545982538-309x180-1.png\" alt=\"Geldland logo.\" class=\"wp-image-638\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/geldland-logo-e1676545982538-309x180-1.png 309w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/geldland-logo-e1676545982538-309x180-1-300x175.png 300w\" sizes=\"auto, (max-width: 309px) 100vw, 309px\" \/><\/figure>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Watch our latest videos here:<\/p>\n\n\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.youtube.com\/watch?v=7kSoJtMXDEA\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t1-1024x576.png\" alt=\"Thumbnail for the first Geldland video in Betaaljournaal 21.\" class=\"wp-image-905\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t1-1024x576.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t1-300x169.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t1-768x432.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t1-500x282.png 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t1-832x468.png 832w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t1.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\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.youtube.com\/watch?v=_mx12QLBhHI\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t2-1024x576.png\" alt=\"Thumbnail for the second Geldland video in Betaaljournaal 21.\" class=\"wp-image-906\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t2-1024x576.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t2-300x169.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t2-768x432.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t2-500x282.png 500w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t2-832x468.png 832w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/bj21-gl-t2.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\n\n<h2 class=\"wp-block-heading\" id=\"h-cijfers\">Figures<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">In the first quarter of this year, <strong>416 million<\/strong> mobile NFC transactions were carried out.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.pin.nl\/actueel\/kerncijfers\/\">More key figures on debit card payments <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-agenda\">Calendar<\/h2>\n\n\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>8 May \u2013 Giraal information session<\/li>\n\n\n\n\n\n<li>17 May \u2013 Annual General Meeting<\/li>\n\n\n\n\n\n<li>6\u20138 June \u2013 <a href=\"https:\/\/europe.money2020.com\/\">Money20\/20 <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\n\n<li>12 June \u2013 Stakeholder Forum<\/li>\n\n<\/ul>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ledenbulletin\">Members\u2019 Bulletin<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">In addition to this Betaaljournaal, the Dutch Payments Association also publishes Members\u2019 Bulletins. In these, we inform members about practical matters of importance. The bulletins are usually published a few times a month and focus on a specific theme. Are you a member but not yet receiving these bulletins? You can ask to be added to the mailing list via <a href=\"mailto:secretariaat@betaalvereniging.nl\">secretariaat@betaalvereniging.nl<\/a>.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-aanmelden-betaaljournaal\">Subscribe to the Betaaljournaal<\/h2>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Are you also interested in the latest developments in the payments sector? Stay up to date via the \u2018Betaaljournaal\u2019. You can subscribe here.<\/p>\n\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;subscribe-betaaljournaal&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tSubscribe to the payments newsletter\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Betaaljournaal 21 covers mobile and cash payments, the European Accessibility Act, open banking, the T2 migration, the end of Acceptgiro and Instant Payments.<\/p>\n","protected":false},"author":7,"featured_media":895,"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-894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-payments-newsletter"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - 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