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	Card Complete, Hobex, Paylife
Belgium	BCC, Europabank
Czech Republic	Ceska sporitelna, Komercni Banka , CSOB
Denmark	PBS
Estonia	Hansapank, SEB
Finland	Luottokunta
France	Caisse d’Epargne, CIC, La Banque Postale, HSBC, Credit Mutuel, Societe Generale, LCL, Banque Populaire, BNP Paribas
Germany	B&S, Concardis
Greece	Alpha Bank, Piraeus Bank, Emporiki Bank
Hungary	OTP Bank, K&H Bank
Italy	Setefi, KeyClient, CartaSi, Banca Sella, Istituto Centrale delle Banche Popolare Italiane, Banca Antonveneta, BNL, Unicredit
Latvia	Hansapank, SEB
Luxembourg	Cetrel
Malta	Bank of Valletta, HSBC
The Netherlands	PaySquare, ING
Norway	Teller AS
Poland	Polcard, e-service
Portugal	Redunicre, Net pay
Slovakia	Tatrabanka, Sporitelna
Slovenia	Banka Koper
Spain	ServiRed, Sistema 4B, Euro6000
Sweden	SEB
Switzerland	Telekurs Multipay, Aduno
Turkey	AK Bank, IS Bank, Garanti Bank, Yapi Kredi

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