{"id":251490,"date":"2024-04-02T15:46:24","date_gmt":"2024-04-02T13:46:24","guid":{"rendered":"https:\/\/www.ecomstream.eu\/betaalmethoden\/girocard\/"},"modified":"2026-09-08T03:08:23","modified_gmt":"2026-09-08T01:08:23","slug":"girocard","status":"publish","type":"page","link":"https:\/\/www.ecomstream.eu\/nl\/betaalmethoden\/girocard\/","title":{"rendered":"Girocard"},"content":{"rendered":"\n\n<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"hero\">\n  <div class=\"wrap\">\n    <div class=\"h1row\"><h1>girocard accepteren in Duitsland<\/h1><\/div>\n    <div class=\"body\"><p>girocard is de binnenlandse debitscheme van Duitsland, beheerd door de Deutsche Kreditwirtschaft, met meer dan 100 miljoen actieve kaarten in omloop. Het is het meest gebruikte girale instrument van het land en voor een Duitse merchant de goedkoopste manier om een debitbetaling aan de kassa aan te nemen.<\/p><style>.rpti-naar{display:flex!important;align-items:center;gap:14px;margin:24px 0 0;padding:16px 18px;background:#fff;border:1px solid #e2ebd8!important;border-top:3px solid #9bcc3a!important;border-radius:10px;text-decoration:none!important;color:#222e34!important;box-shadow:0 6px 18px rgba(28,46,49,.06);max-width:640px}.rpti-naar .ic{flex:0 0 auto;width:44px;height:44px;border-radius:10px;background:#eef6e3;display:flex;align-items:center;justify-content:center}.rpti-naar .t{flex:1;display:flex;flex-direction:column;gap:3px;font-size:16px;line-height:1.35}.rpti-naar .t strong{font-weight:700}.rpti-naar .t .s{color:#56656e;font-size:14px;font-weight:400}.rpti-naar .r{flex:0 0 auto;width:40px;height:40px;border-radius:50%;background:#222e34;color:#9bcc3a;display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:700;transition:transform .2s}.rpti-naar{flex-wrap:wrap;row-gap:14px}.rpti-naar .knop{flex:1 0 100%;display:flex;align-items:center;justify-content:center;gap:10px;box-sizing:border-box;min-height:48px;padding:0 22px;border-radius:8px;background:#222e34;color:#fff;font-weight:700;font-size:16px}.rpti-naar .knop::after{content:\"\\2193\";color:#9bcc3a;font-size:18px;transition:transform .2s}@media(min-width:768px){.rpti-naar{flex-wrap:nowrap}.rpti-naar .knop{flex:0 0 auto}}.rpti-naar:hover{border-color:#9bcc3a!important}.rpti-naar:hover .knop{background:#2f3e46}.rpti-naar:hover .knop::after{transform:translateY(2px)}.rpti-naar:focus-visible{outline:3px solid #9bcc3a;outline-offset:2px}<\/style><a class=\"rpti-naar\" href=\"#rpti-mt-girocard\"><span class=\"ic\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#3a6f1c\" stroke-width=\"2\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"3\" y=\"4\" width=\"18\" height=\"16\" rx=\"2\"\/><path d=\"M3 9h18M9 9v11\"\/><\/svg><\/span><span class=\"t\"><strong>Gepubliceerde tarieven voor girocard<\/strong><span class=\"s\">Per aanbieder, land en kanaal, verderop op deze pagina<\/span><\/span><span class=\"knop\">Naar de tarieven<\/span><\/a><script>(function(){var a=document.currentScript&&document.currentScript.previousElementSibling;if(a&&a.tagName!==\"A\"){a=a.querySelector(\"a\");}if(!a){return;}a.addEventListener(\"click\",function(e){if(e.button!==0||e.metaKey||e.ctrlKey||e.shiftKey||e.altKey){return;}var id=a.getAttribute(\"href\").slice(1),doel=document.getElementById(id);if(!doel){return;}e.preventDefault();var kop=doel.querySelector(\"h2\")||doel;function kopruimte(){var h=0;var els=document.querySelectorAll(\"#main-header,.et-l--header,header\");for(var i=0;i<els.length;i++){var s=getComputedStyle(els[i]);if(s.position===\"fixed\"||s.position===\"sticky\"){var r=els[i].getBoundingClientRect();if(r.bottom>h&&r.top<=0+1){h=r.bottom;}}}return h+16;}function eind(){return kop.getBoundingClientRect().top+window.pageYOffset-kopruimte();}function klaar(){if(!kop.hasAttribute(\"tabindex\")){kop.setAttribute(\"tabindex\",\"-1\");}try{kop.focus({preventScroll:true});}catch(x){}if(history.replaceState){history.replaceState(null,\"\",\"#\"+id);}}var stil=window.matchMedia&&window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches;var y0=window.pageYOffset,afst=Math.abs(eind()-y0);if(stil||afst<10){window.scrollTo({top:eind(),left:0,behavior:\"instant\"});klaar();return;}var duur=Math.max(700,Math.min(2000,afst\/3)),t0=null,stop=false;function halt(){stop=true;}[\"wheel\",\"touchstart\",\"keydown\",\"mousedown\"].forEach(function(n){window.addEventListener(n,halt,{passive:true,once:true});});function ease(t){return t<.5?4*t*t*t:1-Math.pow(-2*t+2,3)\/2;}function stap(ts){if(stop){return;}if(t0===null){t0=ts;}var p=Math.min(1,(ts-t0)\/duur);window.scrollTo({top:y0+(eind()-y0)*ease(p),left:0,behavior:\"instant\"});if(p<1){requestAnimationFrame(stap);}else{klaar();}}requestAnimationFrame(stap);});})();<\/script><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_1 et_pb_row et_block_row\">\n<div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_1 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Kanaal<\/p>\n    <h2>girocard is gebouwd voor de kassa, niet voor de checkout<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Dit is het feit waar buitenlandse merchants op stuklopen. girocard is ontworpen voor gebruik in de winkel en draagt geen regulier kaartnummer dat in een online checkoutformulier bruikbaar is. Het is geen e-commercemethode. De dienst die dat gat jarenlang overbrugde, giropay, is op 31 december 2024 volledig uitgezet, waardoor Duits binnenlands debit online op dit moment geen directe tegenhanger heeft en het volume is verdeeld over kaarten, PayPal, Klarna, open banking en in toenemende mate Wero.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_2 et_pb_row et_block_row\">\n<div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_2 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec paper\">\n  <div class=\"wrap\">\n    <h2>Wat dat betekent voor een Duitse payment mix<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Een merchant met zowel winkels als een webshop voert feitelijk twee verschillende Duitse betaalstrategie\u00ebn, of dat nu de bedoeling was of niet. In de winkel is girocard de goedkope standaard. Online grijpt dezelfde klant naar iets dat structureel duurder is. Dat onderscheid begrijpen is wat u in staat stelt de kanalen eerlijk te prijzen in plaats van aan te nemen dat een blended Duits tarief beide beschrijft.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_3 et_pb_row et_block_row\">\n<div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_3 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Routering<\/p>\n    <h2>girocard accepteren als merchant<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>U sluit geen contract met het scheme. Acceptatie loopt via uw acquirer en uw terminalpark. Veel Duitse debitkaarten zijn co-badged met een internationale scheme, wat betekent dat dezelfde kaart via girocard of via de internationale rail kan lopen tegen verschillende kosten. Waar die routeringskeuze bestaat is het een kostenknop, en het is er een waar de meeste merchants hun acquirer nooit naar hebben gevraagd.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_4 et_pb_row et_block_row\">\n<div class=\"et_pb_column_4 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_4 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec paper\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Regels<\/p>\n    <h2>Waarvoor een scheme u niet mag laten betalen, en wat een routeringsregel moet doorstaan<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Co-badged Duits debit betekent dat er twee merken op de kaart staan terwijl er per transactie maar \u00e9\u00e9n de betaling draagt. Twee bepalingen uit Verordening (EU) 2015\/751 regelen wat daaromheen mag worden gebouwd.<\/p><p>Artikel 8(4) bepaalt dat kaartschemes geen rapportageverplichtingen, verplichtingen tot betaling van vergoedingen of soortgelijke verplichtingen met hetzelfde doel of gevolg mogen opleggen aan uitgevende en accepterende betaaldienstverleners voor transacties die worden verricht met een instrument waarop hun betaalmerk aanwezig is, voor zover het transacties betreft waarvoor hun scheme niet wordt gebruikt. Artikel 8(5) bepaalt dat routeringsbeginselen of gelijkwaardige maatregelen die erop gericht zijn transacties via een specifiek kanaal of proces te leiden, en andere technische en veiligheidsnormen en -eisen voor de verwerking van twee of meer verschillende betaalmerken en betaalapplicaties op een op kaarten gebaseerd betaalinstrument, niet-discriminerend moeten zijn en niet-discriminerend moeten worden toegepast.<\/p><p>De eerste is een bodem onder uw kostenbasis. Een merk dat wel op de kaart staat maar niet in de transactie zit, heeft geen recht op betaling voor die transactie, dus een schemeregel op uw afrekening die zich anders gedraagt is een uitleg van uw acquirer waard in plaats van een aanname van uw kant. De tweede is een knop. Een routeringsregel die Duits co-badged volume over \u00e9\u00e9n rail duwt moet inhoudelijk en in de toepassing niet-discriminerend zijn, en daarmee is \u201czo staan de terminals ingesteld\u201d een antwoord over de standaardinstellingen van uw provider en niet over de regels waaronder die opereert.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_5 et_pb_row et_block_row\">\n<div class=\"et_pb_column_5 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_5 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <h2>Welke payment provider ondersteunt girocard in Duitsland?<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>girocard staat onder meer bij PAYONE, Computop en CCV in de lijst met geaccepteerde merken, net als bij iedere acquirer die de Duitse markt bedient. 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et_section_regular es-page-sec rpti-mt-sec\"><div class=\"et_pb_row\"><div class=\"et_pb_column et_pb_column_4_4 et-last-child\"><div class=\"es-page\"><section class=\"sec rpti-mt\" id=\"rpti-mt-girocard\" data-start=\"DE\" data-kanaal=\"online\" data-telling=\"%1$d aanbieders, %2$d met een gepubliceerd tarief\" data-telling1=\"1 aanbieder, %2$d met een gepubliceerd tarief\" data-meer=\"Toon alle %d aanbieders\" data-eutag=\"EU-breed\" data-leeg=\"Geen aanbieder in de index biedt girocard daar op dit kanaal aan merchants aan.\" data-kort=\"Toon het volledige tarief\" data-minder=\"Toon minder\"><div class=\"wrap\"><p class=\"eyebrow\">Retail Payment Methods Transparency Index<\/p><h2>Gepubliceerde tarieven voor girocard, per aanbieder<\/h2><div class=\"rule\"><\/div><div class=\"body\"><p>20 aanbieders in de index bieden girocard aan merchants die in Europa gevestigd zijn, en 7 daarvan publiceren een tarief.<\/p><p>Elk tarief staat zoals de aanbieder het publiceert; de naam van de aanbieder verwijst, waar die er is, naar zijn tarievenpagina op deze site, met de bron van elk tarief.<\/p><\/div><div class=\"rpti-mt-keuze\" hidden><p class=\"rpti-mt-hint\" id=\"rpti-mt-girocard-hint\">Het land waar uw bedrijf gevestigd is en van waaruit u verkoopt. Klanten betalen met girocard in: Duitsland.<\/p><div class=\"rpti-mt-veld\"><label for=\"rpti-mt-girocard-land\">Verkoop vanuit<\/label><select id=\"rpti-mt-girocard-land\" aria-describedby=\"rpti-mt-girocard-hint\"><option value=\"BE\" data-ph=\"Merchants in Belgi\u00eb\">Belgi\u00eb<\/option><option value=\"BG\" data-ph=\"Merchants in Bulgarije\">Bulgarije<\/option><option value=\"DK\" data-ph=\"Merchants in Denemarken\">Denemarken<\/option><option value=\"DE\" data-ph=\"Merchants in Duitsland\" selected>Duitsland<\/option><option value=\"EE\" data-ph=\"Merchants in Estland\">Estland<\/option><option value=\"FI\" data-ph=\"Merchants in Finland\">Finland<\/option><option value=\"FR\" data-ph=\"Merchants in Frankrijk\">Frankrijk<\/option><option value=\"GR\" data-ph=\"Merchants in Griekenland\">Griekenland<\/option><option value=\"HU\" data-ph=\"Merchants in Hongarije\">Hongarije<\/option><option value=\"IE\" data-ph=\"Merchants in Ierland\">Ierland<\/option><option value=\"IT\" data-ph=\"Merchants in Itali\u00eb\">Itali\u00eb<\/option><option value=\"HR\" data-ph=\"Merchants in Kroati\u00eb\">Kroati\u00eb<\/option><option value=\"LV\" data-ph=\"Merchants in Letland\">Letland<\/option><option value=\"LT\" data-ph=\"Merchants in Litouwen\">Litouwen<\/option><option value=\"LU\" data-ph=\"Merchants in Luxemburg\">Luxemburg<\/option><option value=\"NL\" data-ph=\"Merchants in Nederland\">Nederland<\/option><option value=\"NO\" data-ph=\"Merchants in Noorwegen\">Noorwegen<\/option><option value=\"AT\" data-ph=\"Merchants in Oostenrijk\">Oostenrijk<\/option><option value=\"PL\" data-ph=\"Merchants in Polen\">Polen<\/option><option value=\"PT\" data-ph=\"Merchants in Portugal\">Portugal<\/option><option value=\"RO\" data-ph=\"Merchants in Roemeni\u00eb\">Roemeni\u00eb<\/option><option value=\"SI\" data-ph=\"Merchants in Sloveni\u00eb\">Sloveni\u00eb<\/option><option value=\"SK\" data-ph=\"Merchants in Slowakije\">Slowakije<\/option><option value=\"ES\" data-ph=\"Merchants in Spanje\">Spanje<\/option><option value=\"CZ\" data-ph=\"Merchants in Tsjechi\u00eb\">Tsjechi\u00eb<\/option><option value=\"GB\" data-ph=\"Merchants in het Verenigd Koninkrijk\">Verenigd Koninkrijk<\/option><option value=\"SE\" data-ph=\"Merchants in Zweden\">Zweden<\/option><\/select><\/div><div class=\"rpti-mt-veld\"><span class=\"rpti-mt-lbl\" id=\"rpti-mt-girocard-chl\">Kanaal<\/span><div class=\"rpti-mt-kanaal\" role=\"radiogroup\" aria-labelledby=\"rpti-mt-girocard-chl\"><label class=\"rpti-mt-optie\"><input type=\"radio\" name=\"rpti-mt-girocard-ch\" value=\"online\" checked> <span>Online<\/span><\/label><label class=\"rpti-mt-optie\"><input type=\"radio\" name=\"rpti-mt-girocard-ch\" value=\"pos\"> <span>In de winkel<\/span><\/label><\/div><\/div><label class=\"rpti-mt-alleen\"><input type=\"checkbox\"> <span>Alleen aanbieders met een gepubliceerd tarief<\/span><\/label><\/div><p class=\"rpti-mt-telling\" aria-live=\"polite\"><\/p><p class=\"rpti-mt-eunoot\" hidden>Inclusief de tarieven die aanbieders publiceren voor merchants overal in de EU, gemarkeerd als EU-breed.<\/p><div class=\"rpti-mt-lijst\"><table class=\"reftable rpti-mt-tabel\"><thead><tr><th scope=\"col\">Aanbieder<\/th><th scope=\"col\">Per transactie<\/th><th scope=\"col\">Kanaal<\/th><\/tr><\/thead><tbody><tr data-c=\"EU\" data-ch=\"both\" data-pr=\"1\" data-p=\"Adyen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/adyen-kosten\/\">Adyen<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants overal in de EU<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">\u20ac0.11 + Interchange+ + 0.60%<\/span><span class=\"rpti-mt-model\">Verwerkingsfee + Interchange plus plus<\/span><\/td><td class=\"rpti-mt-ch\">Online en in de winkel<\/td><\/tr><tr data-c=\"GB\" data-ch=\"both\" data-pr=\"1\" data-p=\"Adyen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/adyen-kosten\/\">Adyen<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in het Verenigd Koninkrijk<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">\u00a30.11 + Interchange++ + 0.60%<\/span><span class=\"rpti-mt-model\">Verwerkingsfee + Interchange plus plus<\/span><\/td><td class=\"rpti-mt-ch\">Online en in de winkel<\/td><\/tr><tr data-c=\"NO\" data-ch=\"both\" data-pr=\"1\" data-p=\"Adyen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/adyen-kosten\/\">Adyen<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Noorwegen<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">\u20ac0.11 + Interchange+ + 0.60%<\/span><span class=\"rpti-mt-model\">Verwerkingsfee + Interchange plus plus<\/span><\/td><td class=\"rpti-mt-ch\">Online en in de winkel<\/td><\/tr><tr data-c=\"PL\" data-ch=\"both\" data-pr=\"1\" data-p=\"Adyen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/adyen-kosten\/\">Adyen<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Polen<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">\u20ac0.11 + Interchange+ + 0.60%<\/span><span class=\"rpti-mt-model\">Verwerkingsfee + Interchange plus plus<\/span><\/td><td class=\"rpti-mt-ch\">Online en in de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Commerz Globalpay\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Commerz Globalpay<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"both\" data-pr=\"0\" data-p=\"Computop\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Computop<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">Online en in de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"1\" data-p=\"Elavon\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/elavon-kosten\/\">Elavon<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">After the first 12 months: 0.214% + \u20ac0.03 per transaction; terminal rent \u20ac18.00\/month desktop, \u20ac19.99\/month mobile terminals; monthly fixed price and terminal rent \u20ac0 in the first 12 months; contract term 36 months<\/span><span class=\"rpti-mt-model\">Percentage plus vast bedrag, plus abonnement<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"epay (Euronet)\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">epay (Euronet)<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"both\" data-pr=\"0\" data-p=\"First Cash Solution\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">First Cash Solution<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">Online en in de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"online\" data-pr=\"0\" data-p=\"Fiserv (Clover)\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Fiserv (Clover)<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">Online<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Fiserv (Clover)\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Fiserv (Clover)<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Fiserv (Clover)\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Fiserv (Clover)<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">CCV: Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"1\" data-p=\"myPOS\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/mypos-kosten\/\">myPOS<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">One: 1.29% (\u20ac0 per month); Plus: 0.89% (\u20ac19 per month); Pro: 0.79% (\u20ac39 per month)<\/span><span class=\"rpti-mt-model\">Percentage, plus abonnement, gestaffeld<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Nexi\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Nexi<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Paymenttools\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Paymenttools<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"1\" data-p=\"PAYONE\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/payone-kosten\/\">PAYONE<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">0.89% per transaction; setup fee (provision for 24 months, merchant account and online customer portal): from \u20ac19 one-off; no monthly fixed costs; with the payment app solution: minimum \u20ac0.15 per transaction<\/span><span class=\"rpti-mt-model\">Percentage, met minimum<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Postbank (Germany)\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Postbank (Germany)<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Stripe\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Stripe<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"AT\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Unzer\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Unzer<\/span> <span class=\"rpti-mt-markt\">Merchants in Oostenrijk<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Unzer\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Unzer<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"EU\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Unzer\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Unzer<\/span> <span class=\"rpti-mt-markt\">Merchants overal in de EU<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"LU\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Unzer\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Unzer<\/span> <span class=\"rpti-mt-markt\">Merchants in Luxemburg<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"NO\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Unzer\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Unzer<\/span> <span class=\"rpti-mt-markt\">Merchants in Noorwegen<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Verifone\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Verifone<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"1\" data-p=\"Vert\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/vert-kosten\/\">Vert<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">First 12 months: \u20ac0.00 (cost coverage up to \u20ac50,000 turnover from digital payments); after 12 months: Clover Flex: girocard 0.35%; terminal rent \u20ac19.99 per month; Clover Pocket: girocard 0.99%; terminal rent \u20ac5.99 per month; contract term 60 months in total; conditions: the business has existed for at least 12 months, has accepted no card payments in the last 12 months, trades face to face, and has at most five locations<\/span><span class=\"rpti-mt-model\">Percentage, plus abonnement, gestaffeld<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"1\" data-p=\"VR Payment\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/vr-payment-kosten\/\">VR Payment<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">4YOU and new KNB (from 21.02.2023): girocard fee by terminal location: domestic 0.19% (0.185% for KNB), EU 0.20%, non-EU 0.30%, VAT-exempt, each + service charge 0.03% (recommended retail price); Scheme Manager Fee 0.00209% of gross girocard turnover per billing period; 4YOU model up to 30.09.2022 and elective model for existing KNB: girocard fee by issuer concentrator: V\u00d6B 0.160%, BDB 0.185%, DZ BANK 0.175%, DSGV 0.175%, Deutsche Bank 0.180%, Postbank 0.180%, Commerzbank 0.190%, UniCredit (HypoVereinsbank) 0.190%, comdirect 0.195%; processing fee \u20ac0.10 per 10 girocard transactions + VAT; only in VR Payment network operation<\/span><span class=\"rpti-mt-model\">Verwerkingsfee + Interchange plus plus, gestaffeld<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"WEAT\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">WEAT<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"0\" data-p=\"Worldline\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">Worldline<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><tr data-c=\"DE\" data-ch=\"online\" data-pr=\"0\" data-p=\"ZahlungsWERK\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\">ZahlungsWERK<\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Geen tarief gepubliceerd<\/span><\/td><td class=\"rpti-mt-ch\">Online<\/td><\/tr><tr data-c=\"DE\" data-ch=\"pos\" data-pr=\"1\" data-p=\"ZahlungsWERK\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.ecomstream.eu\/nl\/zahlungswerk-kosten\/\">ZahlungsWERK<\/a><\/span> <span class=\"rpti-mt-markt\">Merchants in Duitsland<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">0.69% of the transaction amount (flat model; hotels of any kind excluded); transaction fee \u20ac0; terminal rental from \u20ac12.50 per month<\/span><span class=\"rpti-mt-model\">Percentage, plus abonnement<\/span><\/td><td class=\"rpti-mt-ch\">In de winkel<\/td><\/tr><\/tbody><\/table><\/div><p class=\"rpti-mt-leeg\" hidden><\/p><p class=\"rpti-mt-meerp\" hidden><button type=\"button\" class=\"rpti-mt-meer\"><\/button><\/p><div class=\"rpti-mt-link\"><a class=\"ix\" href=\"https:\/\/www.ecomstream.eu\/nl\/transparantie-index-betaalmethoden\/#m=girocard\"><span class=\"ic\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#9bcc3a\" stroke-width=\"2\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 5h18l-7 8v6l-4-2v-4z\"\/><\/svg><\/span><span class=\"t\"><strong>Kies in de index uw eigen landen en kanaal voor girocard<\/strong><span class=\"s\">Open de Retail Payment Methods Transparency Index<\/span><\/span><span class=\"r\" aria-hidden=\"true\">&#8594;<\/span><\/a><\/div><p class=\"small\">Bron: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu\/payment-methods-transparency-index. Bij de bron gelezen tussen 17 september 2026 en 12 oktober 2026. Een aanbieder die meent dat een rij niet klopt, kan schrijven naar <a href=\"mailto:index@ecomstream.nl\">index@ecomstream.nl<\/a>. Elke gemelde correctie wordt bij de bron gecontroleerd.<\/p><\/div><\/section><\/div><\/div><\/div><\/div><div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_6 et_pb_row et_block_row\">\n<div class=\"et_pb_column_6 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_6 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec dark\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Rekensom<\/p>\n    <h2>Twee kanalen, \u00e9\u00e9n land, en een getal dat niemand heeft opgeschreven<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Omdat girocard bij de kassa ophoudt, is iedere euro die van uw winkels naar uw webshop verhuist een euro die van uw goedkoopste Duitse acceptatie naar uw duurste gaat. Die verhuizing gebeurt doorlopend en niemand tekent ervoor, en juist daarom hoort zij in een spreadsheet en niet in een aanname.<\/p><p>Zet er getallen onder. Neem een Duitse retailer met 40 miljoen euro kaartomzet, 70 procent aan de kassa en 30 procent online. Stel dat de kassa all-in op 0,35 procent draait via girocard en de webshop all-in op 1,10 procent via co-badged internationaal debit en credit. Dat is 98.000 euro in de winkel en 132.000 euro online, samen 230.000 euro, blended 0,575 procent. Verschuif nu vijf procentpunt omzet van de winkels naar de webshop, ongeveer wat een normaal jaar doet. Twee miljoen euro die van 0,35 naar 1,10 procent oversteekt voegt 15.000 euro toe aan de kostenbasis, en er is geen regel in uw contract veranderd.<\/p><p>Die 15.000 euro is EBITDA, en onder \u00e9\u00e9n blended Duitse regel is zij onzichtbaar, want een mixverschuiving en een tariefstijging zien er op een afrekening identiek uit. Wat haar zichtbaar maakt is de twee kanalen apart rapporteren en het online aandeel volgen als zelfstandige kostendriver. Op deze rail is het getal dat uw Duitse kostenbasis bepaalt niet het tarief dat u heeft onderhandeld. Het is het deel van de omzet dat geen terminal meer raakt.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_7 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_7 et_pb_row et_block_row\">\n<div class=\"et_pb_column_7 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_7 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <h2>Uw kosten tegen het licht houden<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Wat u betaalt staat in uw PSP-contract en niet bij het scheme. Begin met de vraag of u <a href=\"https:\/\/www.ecomstream.eu\/nl\/betaal-je-te-veel-aan-je-psp\/\">te veel betaalt aan uw PSP<\/a>, of ga direct naar <a href=\"https:\/\/www.ecomstream.eu\/nl\/psp-kosten-verlagen\/\">het verlagen van uw PSP-kosten<\/a>, waar interchange, scheme fees en markup uit elkaar worden gehaald voordat er iets onderhandeld wordt.<\/p><p>Relevante markten: Duitsland<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_8 et_pb_section et_section_regular et_block_section popup single\" id=\"my-popup7\"><div class=\"et_pb_row_8 et_pb_row et_block_row\"><div class=\"et_pb_column_8 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_contact_form_0 et_pb_contact_form_container clearfix et_pb_recaptcha_enabled et_pb_module et_flex_module\" data-form_unique_num=\"0\" data-form_unique_id=\"2b080173-4599-477f-994c-cf46478d77ad\" id=\"et_pb_contact_form_2b080173-4599-477f-994c-cf46478d77ad\"><h2 class=\"et_pb_contact_main_title\">Verwerkt u Duits debetkaartvolume? Laat toetsen of uw PSP girocard correct routeert. <\/h2><div class=\"et-pb-contact-message\"><\/div><div class=\"et_pb_contact\"><form class=\"et_pb_contact_form et_flex_module\" method=\"post\" action=\"https:\/\/www.ecomstream.eu\/nl\/wp-json\/wp\/v2\/pages\/251490\"><div class=\"et_pb_contact_field_0 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"name\" data-type=\"input\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_name_0\">Naam<\/label><input type=\"text\" name=\"et_pb_contact_0_name_0\" id=\"et_pb_contact_0_name_0\" class=\"input\" data-required_mark=\"required\" data-field_type=\"input\" data-original_id=\"name\" placeholder=\"Naam\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_1 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"email\" data-type=\"email\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_email_1\">E-mailadres<\/label><input type=\"text\" name=\"et_pb_contact_0_email_1\" id=\"et_pb_contact_0_email_1\" class=\"input\" data-required_mark=\"required\" data-field_type=\"email\" data-original_id=\"email\" placeholder=\"E-mailadres\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_2 et_pb_contact_field et_pb_module et_flex_module et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\" data-id=\"message\" data-type=\"text\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_message_2\">Bericht (optioneel)<\/label><textarea name=\"et_pb_contact_0_message_2\" id=\"et_pb_contact_0_message_2\" class=\"et_pb_contact_message input\" data-required_mark=\"not_required\" data-field_type=\"text\" data-original_id=\"message\" placeholder=\"Bericht (optioneel)\"><\/textarea><\/div><input type=\"hidden\" name=\"et_pb_contactform_submit_2b080173-4599-477f-994c-cf46478d77ad\" value=\"et_contact_proccess\" \/><div class=\"et_contact_bottom_container\"><div class=\"et_pb_button_wrapper\"><button type=\"submit\" name=\"et_builder_submit_button\" class=\"et_pb_button et_pb_contact_submit\">Submit<\/button><\/div><\/div><input type=\"hidden\" id=\"_wpnonce-et-pb-contact-form-submitted-2b080173-4599-477f-994c-cf46478d77ad\" name=\"_wpnonce-et-pb-contact-form-submitted-2b080173-4599-477f-994c-cf46478d77ad\" value=\"9600014a84\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/nl\/wp-json\/wp\/v2\/pages\/251490\" \/><\/form><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Retail Payment Methods Transparency IndexGepubliceerde tarieven voor girocard, per aanbieder20 aanbieders in de index bieden girocard aan merchants die in Europa gevestigd zijn, en 7 daarvan publiceren een tarief.Elk tarief staat zoals de aanbieder het publiceert; de naam van de aanbieder verwijst, waar die er is, naar zijn tarievenpagina op deze site, met de bron [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":251410,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_yoast_wpseo_focuskw":"girocard accepteren","_yoast_wpseo_title":"girocard accepteren in Duitsland: routering, co-badging en online","_yoast_wpseo_metadesc":"Hoe merchants girocard accepteren, waarom er sinds het einde van giropay geen online tegenhanger is en waar co-badged routering een kostenknop verbergt.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_meta-robots-adv":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":0,"_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":0,"footnotes":""},"class_list":["post-251490","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>girocard accepteren in Duitsland: routering, co-badging en online<\/title>\n<meta name=\"description\" content=\"Hoe merchants girocard accepteren, waarom er sinds het einde van giropay geen online tegenhanger is en waar co-badged routering een kostenknop verbergt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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