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V PAY - your European debit card

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


V PAY has been created by Opens in new windowVisa 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:


Andorra Banc Agricol, Banca Mora SA, Banca Privada Andorra, Bancsabadell D'Andorra SA, Credit Andorra


B&S Card Service, Card Complete, ConCardis, Hobex, Paylife


BCC, Europabank


Central Cooperative Bank, DSK Bank, Eurobank EFG Bulgaria, First Investment Bank, Raiffeisenbank Bulgaria, UniCredit Bulbank, United Bulgarian Bank, Societe Generale Expressbank, Allianz Bank Bulgaria, Alpha Bank


Erste Bank, Hrvatska poštanska banka (HPB), Hypo Alpe Adria Bank, OTP banka, Privredna banka Zagreb (PBZ), Raiffeisen Bank, Splitska banka (Groupe Societe Generale), Zagrebačka banka


JCC Payment Systems, Piraeus Bank (Cyprus), FBME card services

Czech Republic

Ceska sporitelna, Komercni Banka , CSOB, Unicredit, Raiffeisen Bank, GE Money Bank


Teller, Danske Bank


Hansapank, SEB, Swedbank


Luottokunta, Nordea, S-Panki, Handelsbank


Caisses d'Epargne, CIC, La Banque Postale, HSBC, Crédit Mutuel, Société Génerale, LCL, Banques Populaires, BNP Paribas, Crédit du Nord, Crédit Agricole


B&S Card Service GmbH, ConCardis GmbH, easycash GmbH , Elavon Merchant Services, montrada GmbH, SIX Pay


Alpha Bank, Piraeus Bank, Emporiki Bank, National Bank of Greece, Eurobank, Bank of Cyprus, Agriculture Bank of Greece, HSBC


OTP Bank, K&H Bank, Erste Bank, Unicredit, CIB Bank RT, Budapest Bank


Setefi, CartaSi, Banca Sella, (Istituto Centrale delle Banche Popolare Italiane), Banca Monte dei Paschi di Siena, BNL Groupe BNP Paribas, Deutsche Bank S.p.A, Unicredit, Unipol


Swedbank, SEB




Bank of Valletta, HSBC

The Netherlands

ConCardis, PaySquare, ING, EMS, ABN AMRO, Rabobank


Teller AS, Nordea, Elavon


Bank BPH, Bank Gospodarki Zywnosciowej, Bank Millenium, PKO Banka Polska, Polcard, e-service, Bank Pekao, Elavon Financial Services


Redunicre, Net pay, Banco Portugues de Negocios, Caixa Geral de Depositos, Caixa Central de Credit Agricola Mutuo CRL

Republic of Ireland

Elavon, AIB, Bank of Ireland


Alpha Bank, BRD Groupe Société Générale, Banc Post, Banca Comerciala Romana, Banca Transilvania, CEC Bank, Credit Europe Bank, GE Garanti Bank, ING Bank, OTP Bank, Piraeus Bank, Raiffeisen, Unicredit Tiriac


CSOB, Slovenska Sporitelna, Tatra Bank, Unicredit, Vseobecna Uverova Banka


Banka Koper, Abanka Vipa, Nova Ljubljanska Banka, SKB


La Caixa, ViaCajas, ServiRed, Sistema 4B, (Euro6000)


SEB, Handelsbanken, Swedbank, Nordea, Elavon


B+S Card Service, ConCardis, SIX Multipay, Aduno


Akbank, Deniz Bank, Is Bank, Garanti Bank, Yapi Kredi, Finans Bank, Asya Katilim Bankasi, Fortis Bank, Halk Bank, HSBC, Sekerbank TAS, TC Ziraat Bankasi, TEB, Halk Bank, Vakif Bak

United Kingdom

Barclays, HSBC, HBoS, AIB


* International chip card standards developed by Europay, MasterCard and Visa
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Company Registration Number: 05139966, Registered address: 1 Sheldon Square, London, W2 6TT