{"id":45487,"date":"2022-02-17T11:27:40","date_gmt":"2022-02-17T10:27:40","guid":{"rendered":"https:\/\/archief.betaalvereniging.nl\/?p=45487"},"modified":"2022-04-14T11:21:27","modified_gmt":"2022-04-14T09:21:27","slug":"betaaljournaal-14","status":"publish","type":"post","link":"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/","title":{"rendered":"Betaaljournaal 14"},"content":{"rendered":"<p>The past two years living with COVID19 have also left their mark on payments, as illustrated in our <a href=\"https:\/\/archief.betaalvereniging.nl\/actueel\/nieuws\/kosten-betalen-toonbank-2020\/\" target=\"_blank\" rel=\"noopener\">press release<\/a> on payments in the past year. Online payments are likely to maintain their current high volumes in the future, and electronic payments at the counter have almost returned to pre-corona levels. Cash payments are falling behind. These developments contribute significantly to the permanently higher costs of cash payments for point-of-sale entrepreneurs. You can read more about it in this edition of Betaaljournaal. The cost of the payment system will be an important item on the agenda of the Dutch Payments Association this year. Together with our members, the Dutch central bank and other stakeholders, we are working on a covenant to ensure that cash continues to function properly in the future. In addition, we are focusing on accessibility and inclusiveness in the payment sector.<\/p>\n<p>In this Betaaljournaal, our colleague Peter Kleppe gives an update on the PI-ISAC, the Payment Institutions Information Sharing and Analysis Centre. I also want to draw your attention to a new section on public consultations on our website.<\/p>\n<p>I hope to see many of you more often in person in the near future. I am confident that we can all meet in person at our annual conference on 19 May, to raise the glasses together. For now, I hope you enjoy reading this edition of Betaaljournaal.<\/p>\n<p><strong>Gijs Boudewijn, Director a.i.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#online-payments\">2021 was an excellent year for online payments<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#consultations\">New section on consultations on Betaalvereniging.nl<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#epc-consultation\">Deadline for EPC consultation about OCT on 17 April<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#dca\">Infographic and FAQ for DCA<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#pi-isac\">Update PI-ISAC &#8211; Peter Kleppe<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#cost-payments\">Survey on the cost of payments at points-of-sale<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#accessible-inclusive\">Focus on an accessible and inclusive payment system<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#consumer-perception\">Survey Consumer perception payment transactions 2021<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#figures\">Figures<\/a><\/li>\n<li><a href=\"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/betaaljournaal-14\/#agenda\">Agenda<\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"online-payments\"><\/a>2021 was an excellent year for online payments<\/h2>\n<p><a href=\"https:\/\/archief.betaalvereniging.nl\/actueel\/nieuws\/2021-jubeljaar-online-betalen\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"body-post-image wp-image-45104 alignleft\" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_Factsheet_Betalingsverkeer_2021.png\" alt=\"\" width=\"273\" height=\"386\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_Factsheet_Betalingsverkeer_2021.png 794w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_Factsheet_Betalingsverkeer_2021-610x863.png 610w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_Factsheet_Betalingsverkeer_2021-724x1024.png 724w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_Factsheet_Betalingsverkeer_2021-768x1086.png 768w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_Factsheet_Betalingsverkeer_2021-127x180.png 127w\" sizes=\"auto, (max-width: 273px) 100vw, 273px\" \/><\/a><\/p>\n<p>In the second year with COVID19, online payments again showed a strong increase in both the number of transactions (+14%) and in spending (turnover, +20%). The number of debit card payments at the cash register remained the same as last year, although the amount spent increased slightly (+5%). The estimated number of cash payments at the cash register and the associated spending barely changed. However, cash payments had already declined at an unprecedented rate in the first wave of 2020 (-43% for the number of payments, -33% for spending). <a href=\"https:\/\/archief.betaalvereniging.nl\/actueel\/nieuws\/2021-jubeljaar-online-betalen\/\" target=\"_blank\" rel=\"noopener\">Read the full article (in Dutch) &#8230;<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"consultations\"><\/a>New section on consultations on Betaalvereniging.nl<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-45365 body-post-image\" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consultaties-crop-610x217.png\" alt=\"\" width=\"610\" height=\"217\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consultaties-crop-610x217.png 610w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consultaties-crop-768x273.png 768w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consultaties-crop-400x142.png 400w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consultaties-crop.png 997w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/p>\n<p>The Dutch Payments Association regularly acts as a spokesperson for the joint interests of its members in the payment system, in both national and European consultations. These consultations are about collective, non-competitive issues from organisations and institutions involved in the European and domestic legislative process. On our website you can read all about ongoing and closed consultations.<br \/>\n<a href=\"https:\/\/archief.betaalvereniging.nl\/betalingsverkeer\/consultaties\/\" target=\"_blank\" rel=\"noopener\">See our Consultations section (in Dutch)&#8230;<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"epc-consultation\"><\/a>Deadline for EPC consultation about OCT on 17 April<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-45251 body-post-image alignleft\" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Arrangement-Rulebook.png\" alt=\"\" width=\"269\" height=\"380\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Arrangement-Rulebook.png 545w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Arrangement-Rulebook-127x180.png 127w\" sizes=\"auto, (max-width: 269px) 100vw, 269px\" \/>On 18 January the European Payments Council (EPC) launched a public consultation on the proposal for Euro One-Leg Out Credit Transfers (OCTs). These are SCT and SCT Inst transactions in euro where either the credit or the debit payment service provider is not in SEPA. The EPC cannot agree on binding rules for payment service providers outside SEPA. Therefor an Arrangement Rulebook was released, instead of a usual EPC Rulebook. The Arrangement Rulebook aims to become the standard template for agreements and conventions &#8211; bilateral or through cooperative ventures &#8211; on the processing of OCTs. The EPC wrote the following introduction:<\/p>\n<p><em>This Arrangement is a set of rules, practices and standards to achieve interoperability for the provision and operation of an international payment instrument agreed at Inter-PSP Level to support euro-denominated Standard One-Leg Out (OLO) Credit Transfers (Euro OCTs) and Instant Credit Transfers (Inst Euro OCTs). The objectives of the Arrangement are:<\/em><\/p>\n<ul>\n<li><em>To be the primary source for the definition of the rules and obligations of the Arrangement;<\/em><\/li>\n<li><em>To provide authoritative information to Participants and other relevant parties as to how the Arrangement functions;<\/em><\/li>\n<li><em>To provide involved parties such as Participants, Clearing and Settlement Mechanisms (&#8220;CSMs&#8221;), and technology suppliers with relevant information to support development and operational activities. <\/em><\/li>\n<\/ul>\n<p>Payment service providers that carry out payment transactions from or to countries outside SEPA may have an interest in this advisory standard. Any interested party can respond to the draft. The consultation runs until 17 April 2022. For more information, <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/public-consultation-instant-euro-one-leg-out-credit-transfer-arrangement-rulebook\" target=\"_blank\" rel=\"noopener\">please visit the EPC website<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"dca\"><\/a>Infographic and FAQ for DCA<\/h2>\n<p><a href=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1.png\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"body-post-image alignnone wp-image-45180 size-full\" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1.png\" alt=\"\" width=\"1200\" height=\"848\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1.png 1200w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-610x431.png 610w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-1024x724.png 1024w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-768x543.png 768w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_DCA_pinnen_in_Nederland_gaat_veranderen-1-255x180.png 255w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\n<p>Debit card payments in the Netherlands will soon change. Debit Mastercard and Visa Debit will be added as card types from 2023 onwards. In order to inform businesses about this change, we made an infographic and updated our website with <a href=\"https:\/\/archief.betaalvereniging.nl\/veelgestelde-vragen\/#faq-subcat-kaarthouders\" target=\"_blank\" rel=\"noopener\">frequently asked questions and answers (in Dutch)<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"pi-isac\"><\/a>Update on PI-ISAC by Peter Kleppe<\/h2>\n<div class=\"flex-video\"><iframe loading=\"lazy\" src=\"https:\/\/player.vimeo.com\/video\/678171610?h=149b0531f9\" width=\"640\" height=\"360\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<p>Peter Kleppe is Consultant Information Management at the Dutch Payments Association, specialised in disruptions and security problems in the payment system. He gives us an update on the <a href=\"https:\/\/archief.betaalvereniging.nl\/veiligheid\/publiek-private-samenwerking\/pi-isac\/\" target=\"_blank\" rel=\"noopener\">Payment Institutions Information Sharing and Analysis Centre (PI-ISAC)<\/a> (in Dutch).<\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"cost-payments\"><\/a>Survey on the cost of payments at points-of-sale<\/h2>\n<p><a href=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/kosten-betalen-toonbank-2020.png\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\" body-post-image alignleft wp-image-45391 \" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/kosten-betalen-toonbank-2020.png\" alt=\"\" width=\"369\" height=\"378\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/kosten-betalen-toonbank-2020.png 414w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/kosten-betalen-toonbank-2020-176x180.png 176w\" sizes=\"auto, (max-width: 369px) 100vw, 369px\" \/><\/a><\/p>\n<p>The total cost of payment transactions at point-of-sale establishments (retail, hotels and restaurants, staffed petrol stations and ambulant trading) amounted to \u20ac1.35 billion in 2020. In 2017, this was \u20ac1.42 billion. The number of transactions at points-of sale was 5.2 billion in 2020, down from 6 billion in 2017. The cost of payments as a percentage of turnover decreased slightly, to 1.1% in 2020. However, there are large differences in costs between the various payment methods. Cash payments have become considerably more expensive, while a debit card payment costs about the same as in 2017, on average. This emerges from a survey carried out by Panteia on behalf of Betaalvereniging Nederland and the Dutch retail organisations.<br \/>\n<a href=\"https:\/\/archief.betaalvereniging.nl\/actueel\/nieuws\/kosten-betalen-toonbank-2020\/\" target=\"_blank\" rel=\"noopener\">Read our full press release (in Dutch)&#8230;<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"accessible-inclusive\"><\/a>Focus on an accessible and inclusive payment system<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-45513 body-post-image\" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x-610x406.jpg\" alt=\"\" width=\"610\" height=\"406\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x-610x406.jpg 610w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x-480x320.jpg 480w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x-768x512.jpg 768w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x-600x400.jpg 600w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x-300x200.jpg 300w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x-270x180.jpg 270w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/shutterstock_1215432208-robotic-hand-bank-card-800x.jpg 800w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/>Dutch banks ensure <a href=\"https:\/\/archief.betaalvereniging.nl\/betalingsverkeer\/maatschappij-politiek-en-wetgeving\/toegankelijkheid-en-inclusiviteit\/\" target=\"_blank\" rel=\"noopener\">good accessibility of their (digital) services and an inclusive payment system<\/a>. Customers can still visit bank offices or go to an increasing number of &#8216;service points&#8217;. Bank employees also visit customers on request; the number of mobile advisers and coaches was raised last year. In addition, banks offer a great deal of support by telephone and online, varying from online workshops to individual assistance via video banking. The websites of banks and <a href=\"https:\/\/www.veiligbankieren.nl\/\" target=\"_blank\" rel=\"noopener\">VeiligBankieren.nl<\/a> offer dozens of explanatory videos that everyone can watch at any time. In the Working Group on Accessibility and Inclusiveness (Werkgroep Toegankelijkheid en Inclusiviteit, WTI), banks exchange ideas on how payments can better meet the needs of vulnerable groups. A good example of a joint activity of banks in 2021 is the Online Banking tutoring pilot with Rotterdam public libraries.<\/p>\n<p>The Dutch Payments Association released an <a href=\"https:\/\/archief.betaalvereniging.nl\/actueel\/betaaltv\/aflevering-4-toegankelijkheid\/\" target=\"_blank\" rel=\"noopener\">episode of betaalTV<\/a>\u00a0<span style=\"color: #27323f; font-family: 'Open Sans', sans-serif;\">about accessibility <\/span><span style=\"font-size: 1.125rem;\">in 2021 and <\/span><a style=\"font-size: 1.125rem; background-color: #ffffff;\" href=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic_toegankelijkheid_betalingsverkeer_2021.pdf\" target=\"_blank\" rel=\"noopener\">an infographic<\/a><span style=\"font-size: 1.125rem;\"> that can <\/span><a style=\"font-size: 1.125rem; background-color: #ffffff;\" href=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Infographic-iedereen-betaalt-steeds-digitaler.mp3\" target=\"_blank\" rel=\"noopener\">be listened to<\/a><span style=\"font-size: 1.125rem;\">. The annual conference of the Dutch Payments Association on May 19, will reflect on accessibility and inclusion, amongst others. <a href=\"https:\/\/archief.betaalvereniging.nl\/actueel\/nieuws\/meer-aandacht-voor-toegankelijk-en-inclusief-betalingsverkeer\/\" target=\"_blank\" rel=\"noopener\">Read more about it (in Dutch)&#8230;<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"consumer-perception\"><\/a>Survey Consumer perception payment transactions<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"body-post-image alignleft wp-image-45538\" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consumentenperceptie-betalingsverkeer.png\" alt=\"\" width=\"200\" height=\"287\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consumentenperceptie-betalingsverkeer.png 574w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consumentenperceptie-betalingsverkeer-125x180.png 125w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/p>\n<p>The Dutch Payments Association has been monitoring perceptions of payment transactions in the Netherlands since 2015. For this purpose, an online survey was conducted among 2,000 respondents aged 16 and older. How do they view the payment system? What do they find positive and what not? What has annoyed them in the past year and &#8211; in view of the 10th anniversary of the Payments Association &#8211; what developments in the past 10 years are they most positive about? <a href=\"https:\/\/archief.betaalvereniging.nl\/actueel\/achtergrondinformatie\/infographics\/\" target=\"_blank\" rel=\"noopener\">View the infographic (in Dutch)&#8230;<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"figures\"><\/a>Figures<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-45562 body-post-image\" src=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Cijfers-ENG-11.png\" alt=\"\" width=\"553\" height=\"187\" srcset=\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Cijfers-ENG-11.png 553w, https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Cijfers-ENG-11-400x135.png 400w\" sizes=\"auto, (max-width: 553px) 100vw, 553px\" \/><\/p>\n<p>More statistics? Visit <a href=\"https:\/\/factsheet.betaalvereniging.nl\/en\/\" target=\"_blank\" rel=\"noopener noreferrer\">factsheet.betaalvereniging.nl<\/a><\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\"><a id=\"agenda\"><\/a>Agenda<\/h2>\n<ul>\n<li>24 February &#8211; Information meeting for point-of-sale establishments<\/li>\n<li>17 March &#8211; Stakeholder meeting<\/li>\n<li>31 March &#8211; Future of payments. Members of Betaalvereniging Nederland receive\u00a0<a href=\"https:\/\/euroforum.paydro.com\/toekomst-van-het-betalingsverkeer-5\/index\/61b2136d-4904-496a-a7e4-7b0ebca6366c\" target=\"_blank\" rel=\"noopener\">a 20% discount.<\/a>Topics to be covered this year: Regulations &#8211; Reality, New payments behaviour, Acceleration towards cashless<\/li>\n<li>14 April &#8211; Member assembly<\/li>\n<li>19 May &#8211; Annual Conference Dutch Payments Association Netherlands<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\">Member Bulletins<\/h2>\n<p>In addition to this Betaaljournaal, the Dutch Payments Association issues Member Bulletins. These bulletins usually appear a few times a month and relate to a specific topic. If you are a member and you do not yet receive these bulletins, you can subscribe to the mailing list via <a href=\"mailto:secretariaat@betaalvereniging.nl\" target=\"_blank\" rel=\"noopener noreferrer\">secretariaat@betaalvereniging.nl<\/a> .<\/p>\n<p>&nbsp;<\/p>\n<h2 class=\"c-header-line\">Subscribe to Betaaljournaal<\/h2>\n<p>For the latest developments in payments, stay informed via Betaaljournaal. You can register here: <a class=\"button\" href=\"https:\/\/archief.betaalvereniging.nl\/en\/subscribe-betaaljournaal\/\" target=\"_blank\" rel=\"noopener noreferrer\">subscribe to Betaaljournaal<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can read more about it in this edition of Betaaljournaal on the cost of the payment system and accessibility.<\/p>\n","protected":false},"author":8,"featured_media":45180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"class_list":["post-45487","post","has-post-thumbnail","hentry","category-betaaljournaal-en"],"_links":{"self":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/45487","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/comments?post=45487"}],"version-history":[{"count":11,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/45487\/revisions"}],"predecessor-version":[{"id":45548,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/45487\/revisions\/45548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media\/45180"}],"wp:attachment":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=45487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}