This is my last introduction; I will hand over to our new director, Arjan Bol. For more than 11 years, I had the privilege of working with our members, stakeholders, and colleagues at the Payments Association to improve and strengthen the Dutch payments ecosystem. Not without success, because I sincerely believe that our payment system is an example for Europe when it comes to reliability, innovation, digitization, and efficiency, while at the same time maintaining inclusivity and accessibility. Payments are for everyone and, in principle, should always work. I am proud I could contribute to this.<\/p>\n
Gijs Boudewijn, managing director<\/strong><\/p>\n <\/p>\n On March 25, the amended Cash Act<\/a> was sent to Parliament. The most notable changes in the bill are:<\/p>\n The next step in the legislative process is for the Parliament Finance Committee to ask questions to the minister. The proposal will then be debated in the Parliament and finally in the Senate.<\/p>\n All on upcoming cash laws and regulations<\/a><\/p>\n <\/p>\n On April 14, the Dutch Payments Association held another stakeholder forum, focused largely on the European Accessibility Act<\/a> (EAA) that will come into force on June 28. Rabobank<\/a> explained how the upcoming accessibility requirements will be implemented throughout their organization. Payment service provider CCV<\/a> and payment terminal supplier Ingenico<\/a> demonstrated how people with visual impairments can use their new payment terminals.<\/p>\n It was an extensive program that also covered the following topics:<\/p>\n Representatives of stakeholders in the Dutch collective payment system can register with us for our future stakeholder forums, held twice or three times per year.<\/p>\n Register for our stakeholder forums<\/a><\/p>\n <\/p>\n Technological developments in payments are accelerating and adoption curves are shortening. With the current pace of digitization, people with limited digital skills are increasingly at risk of becoming marginalized from society, which is worrying, also from a business perspective. After all, this concerns a growing group of consumers.<\/p>\n The Dutch Payments Association, together with Mastercard and Visa, conducted a study into the checkout process in web shops. We presented the results with Mastercard in March at ‘The Future of Payments’ conference. An important lesson: clearly present payment options. ‘Less is more!’ Reduce the amount of information on the checkout page, use short, simple sentences, and avoid foreign language jargon.<\/p>\n Read all the results and recommendations of this study<\/a><\/p>\n <\/p>\n The implementation law for the revised Consumer Credit Directive transposes EU Directive 2023\/2225 (the Consumer Credit Directive II) into Dutch law.<\/p>\n In the current bill, Dutch credit cards are at risk of becoming more expensive and, for some, inaccessible as a result of strict new requirements intended for ‘post-payments’ (also known as Buy Now Pay Later or BNPL) but which no longer offer an exemption for well-regulated Dutch credit cards.<\/p>\n A public internet consultation<\/a> on this implementation law began on April 15th. The Payments Association and its members will respond to the proposal, particularly where it affects common Dutch credit cards, also called ‘deferred debit cards’.<\/p>\n View all recent consultations on payments<\/a><\/p>\n <\/p>\n For the Dutch Payments Association, 2024 was all about accessible banking and payments and various legislative processes. Over the past year, we and our members deployed many activities as part of the Accessible Banking program. We also prepared for the European Accessibility Act and discussed laws to keep cash available, accessible, and easy to use.<\/p>\n For the Dutch Payments Association, 2024 was all about accessible banking and payments and various legislative processes. Over the past year, we and our members deployed many activities as part of the Accessible Banking program. We also prepared for the European Accessibility Act and discussed laws to keep cash available, accessible, and easy to use.<\/p>\n Read about these and many other topics in our annual report<\/a><\/p>\n <\/p>\n The share of debit card payments in the total number of payments at points-of-sale remained unchanged at 80% in 2024, but there were notable outliers in certain age groups. Young people between the ages of 12 and 18 and seniors between the ages of 65 and 74 were more likely to pay with a debit card, mobile phone, or smartwatch than they were a year earlier, according to the \u2018Betalen aan de Kassa 2024\u2019 study conducted jointly by the Dutch Payments Association and DNB.<\/p>\n Read all about payments at points-of-sale in 2024<\/a><\/p>\n <\/p>\n Dutch consumers spent \u20ac36 billion online in 2024, a 5% increase compared to 2023. The number of online purchases has fallen by 1% to 345 million. 12% of online spending and purchases went to foreign web shops, accounting for \u20ac4.4 billion (+12%) and 41 million purchases (+4%). These and other figures are from the Thuiswinkel Market Monitor, the survey on Dutch online shopping. This survey is conducted by NielsenIQ GfK on behalf of Thuiswinkel.org and Retail Insiders, in collaboration with PostNL and the Dutch Payments Association.<\/p>\n View all figures on online shopping in 2024<\/a><\/p>\n <\/p>\n The Payment Association has updated its roadmap for the next three years, mostly because of developments in European payments. In our new roadmap, we focus on cash (as new legislation is on the way in both the Netherlands and Europe) and on new topics, such as eIDAS and e-mandates for direct debits (Digitaal Incassomachtigen).<\/p>\n Discover the latest roadmap from the Payments Association<\/a><\/p>\n <\/p>\n\n
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<\/a>Aangepaste Wet Chartaal (over contant geld) naar Tweede Kamer<\/h2>\n
![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Tweede-kamer-DE-BEELDREDAKTIE-HR_02-118432948-610x388.jpg\")
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<\/a>Stakeholder forum focuses on upcoming accessibility legislation<\/h2>\n
![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/stakeholderforum-610x264.jpg\")
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<\/a>Accessible and inclusive checkout in web shops<\/h2>\n
![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/296-Euroforum-ToekomstvanhetBetalingsverkeer-610x407.jpg\")
<\/p>\n<\/a>Impact of Consumer Credit Directive II on Dutch credit cards<\/h2>\n
![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Consultaties-crop-610x217.png\")
<\/p>\n<\/a>Annual Report of the Dutch Payments Association:
\n2024 all about accessibility and legislation<\/h2>\n![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/AR-2024-3-610x442.png\")
<\/p>\n<\/a>Both the young and the elderly use debit cards more often at points-of-sale<\/h2>\n
![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Factsheet-Betalen-aan-de-Kassa-2024-610x431.png\")
<\/p>\n<\/a>Online spending at \u20ac36 billion in 2024<\/h2>\n
![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Online-shoppen-610x474.png\")
<\/p>\n<\/a>New roadmap for the Dutch Payments Association: developments in European payments<\/h2>\n
![\"\"](\"https:\/\/archief.betaalvereniging.nl\/wp-content\/uploads\/Roadmap-Betaalvereniging-Nederland-2025-2027-voorkant-610x431.png\")
<\/p>\n<\/a>Also interesting<\/h2>\n
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