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V Pay Card

Youp Troost shared this question 7 months ago
Question

Hi fellow bunqers!


What do you guys think of a V Pay card?

I heard it is one of the most accepted cards in Europe....

Comments (21)

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39

Je bedoelt een bunq V Pay / maestro kaart? Als dat zou kunnen, lijkt me dat mooi.

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39

Ja want v Pau word meer geaccepteerd in het buitenland en in Europa

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36

I used to have a VPay card (Pay2d Visa), but don’t notice a difference compared to the debit MasterCard. Acceptance has been the same for me thus far. Except for the cost, the Visa was not cheap and had low limits.

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39

The v pay card is accepted where the meastro and MasterCard are also accepted, nearly every merchant in Holland has a Vpay sticker

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36

I think Maestro and MasterCard are enough to have a decent acceptance level in europe. The only thing that would make it more usable for me is "ELV" (Elektronisches Lastschriftverfahren) support. This is only used in germany (with "girocard") and basically means that your bank account is saved on the card and the merchant can initiate a direct debit with your card. But while it would make the card more usable in germany, i dont think it makes sense to support such a country-specific system.

More info about ELV (german): https://www.easycash.de/de/service/wissenswertes/karten-und-zahlverfahren/ec-karte-girocard/elv.html

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45

V-Pay is actually not supported outside of Europe. Visa debit and Visa electron are of course.

A V-Pay product would therefor provide less acceptance than a maestro product.

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39

Sorry, it appears I’m completely incorrect. Sorry for the false statements! 😬

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53

What benefits do you hope to achieve with a v pay card? With maestro and MasterCard I have always been able to pay in pretty much any country I’ve been in, or do you have a different experience?

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40

I live in Holland but in a lot of country's they only accept either V-Pay, Visa and sometimes MasterCard but mostly V-Pay.... I'm guessing that, just like Maestro, it is free for businesses to let customers pay with the V-Pay card. For MasterCard you have to buy something like a "transfer price"(don't know the correct name of it)

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43

This is a really good idea. I have a visa card with Vpay and it is the only card that is accepted at home at Albert Heijn as well as in rural Africa. The problem this combination solves is that Maestro acceptance is crap outside EU and Mastercard or Visa acceptance is crap in Dutch stores, so you always need two cards.

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28

That's true, but wouldn't it be better and simpler for bunq to just release a debit MasterCard with Maestro on it, as Visa has been doing with their credit and debit cards for some years now...??

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35

That would be a start, but still I would prefer the visa combination over Mastercard because I have better experiences with visa acceptance in Asia and Africa.

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30

Zou wel wat zijn een extra VISA debit card met VPAY erop.

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30

Eens.

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30

Of een MasterCard met Maestro erop. Dat scheelt weer een pasje :)

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34

Vpay and maestro are the least accepted cards in Europe. Utterly pointless

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30

That's incorrect, Vpay is more accepted in Europe than Meastro

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32

In Europe V-Pay and Maestro should be accepted the same.

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29

What Mark means is that MasterCard and Visa are accepted in more places than Maestro and V-Pay are. That may certainly be true, but I personally haven't seen a shop that does accept MasterCard but not Maestro.

As for the Netherlands, where I live, Maestro is accepted almost everywhere (because that's the card issued by every Dutch bank) whereas MasterCard/Visa acceptance is not at all commonplace. It's the exception, not the rule, to be able to pay using a MasterCard or Visa. Although acceptance is growing, you do still need to have Maestro around here.

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30

I also live in Holland and at nearly every shop they accept Vpay

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34

I live in Germany and here it doesn't matter if you have an Maestro or VPay card. What matters is if you don´t have the GiroCard Software on your card, you will have many problems at many places. For example the Maruyasu in Düsseldorf doesn't accept normal Maestros, even if they are from a German company called "N26"... They only accept Giro Card. In Bruxelles I wasn't able to pay with my Maestro because they only accepted Maestros with Minister Pay or how ever its called...

In REWE you can pay with almost everything. With Maestro, VPay, MasterCard/Visa Card, Amex and many more... But there are many places which only accept Credit Cards or only ELV cards. But the most places I´ve been (NRW in Germany, Limburg and Noord Brabant in the Netherlands as well as in Austria, Spain, France and Belgium), I was able to pay both with Maestro and Master/Visa Credit/Debit Card, some of them accepted both Maestro and VPay and some of them didn't accepted normal cards at all (only MinisterPay, GiroCard etc). So it would make more sense for us all to stop these terrific complicated technologies with country specific card types and use real Maestro, MasterCard and Visa cards which are accepted in whole Europe (and with exception for VPay world wide). But that would mean that all European countries have to change this on their own and force their shops and financial companies to change this. Thats what I think about it. What do you think?

So why should it be better to have a VPay Card which is only accepted in Europe, if you could have a Maestro where you can pay at more places at all?