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V Pay is a Single Euro Payments Area (SEPA) debit card for use in Europe, issued by Visa Europe. [1] It uses the EMV chip and PIN system and can be co-branded with various national debit card schemes such as the German Girocard [ 2 ] [ 3 ] [ 4 ] or Italy's PagoBancomat .
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The card scheme uses the respective guidelines [5] [6] to process the card exchange data from the acquiring to the issuing bank, and vice versa, until the payment [7] is fully completed (or denied). Credit and debit cards work with a four-party scheme, completing an open-circle framework that permits consistent flow of transactions; thus ...
Credit card use in the Netherlands is very low, and most credit cards cannot be used with EFTPOS, or charge very high fees to the customer. Debit cards can often, though not always, be used in the entire EU for EFTPOS. Most debit cards are Mastercard Maestro cards. Visa's V Pay cards are also accepted at most locations. In 2011, spending money ...
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