V PAY - your European debit card

V PAY is a new type of pan-European debit card which can bring big benefits to merchants.

V PAY has been created by Visa Europe and is being issued by banks across Europe.

V PAY is a chip-only, PIN-only debit card, which means it is incredibly simple for merchants to accept, and the risk of fraudulent or disputed transactions is virtually eliminated.

If your EMV chip and PIN terminals accept any other Visa products, you can easily and immediately accept V PAY. No technical modifications are necessary, and your existing merchant contract may already cover V PAY acceptance – so it could just be a matter of displaying V PAY decals at your premises.

If you don’t accept other Visa products, then your EMV chip and PIN terminals only need a simple software upgrade.

Also, as a normal debit card product, V PAY tends to be very cost effective for you to accept.

Further information

Merchants should contact their acquiring bank or service provider. The acquiring banks listed below are already able to offer V PAY to their merchants:

Austria	B&S Card Service, Card Complete, ConCardis, Hobex, Paylife
Belgium	BCC, Europabank
Bulgaria	Central Cooperative Bank, DSK Bank, Eurobank EFG Bulgaria, First Investment Bank, Raiffeisenbank Bulgaria, UniCredit Bulbank, United Bulgarian Bank, Societe Generale Expressbank
Cyprus	JCC Payment Systems
Czech Republic	Ceska sporitelna, Komercni Banka , CSOB, Unicredit, Raiffeisen Bank
Denmark	Teller, Danske Bank
Estonia	Hansapank, SEB
Finland	Luottokunta
France	Caisse d'Epargne, CIC, La Banque Postale, HSBC, Credit Mutuel, Societe Generale, LCL, Banque Populaire, BNP Paribas, Credit du Nord
Germany	B&S Card Service GmbH, ConCardis GmbH, easycash GmbH , Elavon Merchant Services, montrada GmbH, SIX Pay
Greece	Alpha Bank, Piraeus Bank, Emporiki Bank, National Bank of Greece, Eurobank
Hungary	OTP Bank, K&H Bank, Erste Bank, Unicredit
Italy	Setefi, CartaSi, Banca Sella, Istituto Centrale delle Banche Popolare Italiane, Banca Monte dei Paschi di Siena, BNL, Unicredit, Unipol
Latvia	Hansapank, SEB
Luxembourg	Cetrel
Malta	Bank of Valletta, HSBC
The Netherlands	ConCardis, PaySquare, ING, EMS
Norway	Teller AS, Nordea, Elavon
Poland	Bank BPH, Bank Gospodarki Zywnosciowej, Bank Millenium, PKO Banka Polska, Polcard, e-service
Portugal	Redunicre, Net pay, Banco Portugues de Negocios, Caixa Geral de Depositos
Republic of Ireland	Elavon, AIB
Romania	BRD Groupe Société Générale, Banc Post, Banca Comerciala Romana, Banca Transilvania, Raiffeisen, Unicredit Tiriac
Slovakia	CSOB, Slovenska Sporitelna, Tatra Bank, Unicredit, Vseobecna Uverova Banka
Slovenia	Banka Koper, Abanka Vipa, Nova Ljubljanska Banka, SKB
Spain	ServiRed, Sistema 4B, Euro6000
Sweden	SEB, Handelsbanken, Swedbank, Nordea, Elavon
Switzerland	B+S Card Service, ConCardis, SIX Multipay, Aduno
Turkey	Akbank, Is Bank, Garanti Bank, Yapi Kredi, Finans Bank, Asya Katilim Bankasi, Fortis Bank, HSBC, TC Ziraat Bankasi, TEB, Halk Bank, Vakif Bak
United Kingdon	Barclays, HSBC, HBoS, AIB

* International chip card standards developed by Europay, MasterCard and Visa