En in Duitsland ook grote kans dat winkeliers alleen de Duitse Girocard accepteren en geen Maestro of Mastercard!

@TJB-invest-B-V-Green-Wolf#38835 If it was declined because of the settings, it would say so on the payment.
Did you try the MasterCard or the Maestro. To my knowledge, Maestro is accepted pretty much everywhere, but MasterCard might not.

It's a hit and miss in Germany. Some shops do take Maestro while some other have the Maestro/EC logo when in reality, only EC cards work (German Maestro or Vpay).
I know Penny takes Maestro and doesn't have to be EC.
My local pharmacy won't take any other card that's not EC. In fact for them, Bunq is a credit card 😅🙄

@LeonElPanda#38906 There is no such thing as German Maestro or V Pay.
Let‘s do a quick reference about German card payment options (not mentioning ELV and stuff, I‘ll stick to PIN-based payments):
Girocard (formerly know and still referenced to as ec-Karte) is (sadly) the most common card payment option in Germany. These cards work only in Germany (and probably Austria too, though I haven’t checked that). You‘ll almost only get them with a German bank account.
To use these cards abroad, they are equipped with a co-brand.
This could either be Maestro or V Pay.
These have a wider acceptance but are still behind Girocard. Arguments are mostly the fees, that are slightly higher than Girocard.
Then there are Mastercard and Visa. These are mainly issued as Credit, though some are issued as Debit by some banks. Most cashiers will reference to these cards as Kreditkarte, though only Credit-labelled cards are actually credit cards. The fees for these cards are again higher than the Girocard, Maestro an V Pay ones.
You also could face the denial of embossed Maestro cards in stores, because cashiers might think these are credit cards. This might happen to Debit MC or Visa, too.

The fact that you have acceptance issues is mainly the problem that store owners are talked into bad acquirer contracts that asked for a fee per payment and also for the transfer to the shop owners account. This is mostly the main reason for some owners to declare minimum payments of x€ to be able to pay by card.
Because of that, most owners only choose, if ever, the lowest contract option possible. And that is mostly Girocard only.

Sadly, you can‘t even count on the acceptance logos in most store windows.
Also the minimum payments must be declared before entering the store. If it is not, it‘s against the law. (Unfaire competition)

As for the above mentioned Penny-stores: some accept Mastercard and Visa, but most only go with Girocard, Maestro and V Pay.

Hope this is understandable.
Any typos found within have been carefully placed intentionally.

@ThatOneAss#38916 almost similar situation in The Netherlands, but with credit card -based cards, most shops in the Netherlands only accept Maestro and V-Pay, so you're mostly all of the times out of luck with a Visa Credit or Debit card and MasterCard Credit or Debit cards.