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{{Short description|Single Euro Payments Area (SEPA) debit card}}
{{infobox brand
| name = V Pay
| logo = VPay logo 2015.svg
| logo_size = 75
| logo_caption =
| image =
| caption =
| type = [[Debit card]]
| currentowner = [[Visa Inc.]]
| origin = [[United States]]
| introduced =
| discontinued =
| related = [[Visa Electron]], [[Visa Debit]]
| markets = Europe
| previousowners =
| trademarkregistrations =
| ambassadors =
| tagline =
| website = {{url|http://www.visa.com/}}
}}
{{third party|date=May 2017}}
'''V Pay''' is a [[Single Euro Payments Area]] (SEPA) [[debit card]] for use in Europe, issued by [[Visa Inc.|Visa Europe]].<ref name="banks">{{cite web|url=http://vpay.com/banks.html|title=V PAY – Your European debit card|access-date=August 6, 2011|archive-url=https://web.archive.org/web/20140625103938/http://vpay.com/banks.html|archive-date=June 25, 2014|url-status=dead|df=mdy-all}} </ref> It uses the [[EMV]] [[Smart card|chip]] and [[Personal identification number|PIN]] system and can be co-branded with various national debit card schemes such as the German [[Girocard]]<ref>{{cite web|url=http://vpay.com/bank_technical.html|title=V PAY technical requirements|access-date=August 6, 2011|archive-url=https://web.archive.org/web/20140701154042/http://vpay.com/bank_technical.html|archive-date=July 1, 2014|url-status=dead|df=mdy-all}} </ref><ref>{{cite web|url=http://vpay.com/press28.html|title=Postbank migrates bank cards to V PAY/girocard|access-date=2011-08-06|archive-url=https://web.archive.org/web/20111007032151/http://vpay.com/press28.html|archive-date=2011-10-07|url-status=dead}}</ref><ref>{{cite web|url=http://vpay.com/press29.html|title=German banks have agreed to issue 34 million V PAY|access-date=2011-08-06|archive-url=https://web.archive.org/web/20111007032718/http://vpay.com/press29.html|archive-date=2011-10-07|url-status=dead}}</ref> or Italy's [[PagoBancomat]].<ref>{{cite web|url=http://www.gruppocarige.it/carige/html/ita/prodotti/famiglia/acquisti/carige_cash_eu.htm|archive-url=https://archive.today/20130218121731/http://www.gruppocarige.it/carige/html/ita/prodotti/famiglia/acquisti/carige_cash_eu.htm|url-status=dead|archive-date=2013-02-18|title=CarigeCash Europa: la carta bancomat per prelievi ed acquisti sicuri|website=[[Banca Carige]]}} (in Italian)</ref>


==Overview==
{{About|a European debit card|the US payment system|VPAY}}
The V Pay debit card system competes with the [[Mastercard Maestro]] debit card product. However, unlike Mastercard Maestro, V Pay cards cannot be used in non-EMV environments, limiting its acceptance to those countries and merchants that use this system. Also unlike Mastercard Maestro, which is issued and accepted globally, V Pay is designed as a specifically European product, and is not issued or accepted outside European countries except for some of their overseas territories.<ref name="banks" /> However, some cards are co-branded with the [[Visa Electron]] system, which allows using them outside Europe.<ref>{{cite web|url=https://gathering.tweakers.net/forum/list_message/56795781#56795781|title=Het 'Welke bank?' topic|access-date=2018-11-01}}</ref>
[[File:VPay logo 2015.svg|thumb|V Pay logo]]


V Pay cards began to be accepted at merchants in France and Greece in 2005,<ref>{{cite web|url=http://vpay.com/press4.html|title=France and Greece are first countries to accept V PAY|date=8 July 2005|publisher=Visa Europe|access-date=2011-08-06|archive-url=https://web.archive.org/web/20111007032912/http://vpay.com/press4.html|archive-date=2011-10-07|url-status=dead}}</ref> and acceptance had since expanded to more European countries.
'''V PAY''' is a type of debit card issued by [[Visa Inc.|Visa Europe]]. It provides a fully [[Chip and PIN|chip & PIN]] based card that may be co-branded with various national debit card schemes, such as the German [[Girocard]]<ref>{{cite web|url=http://vpay.com/bank_technical.html|title=V PAY technical requirements}}{{wayback|http://vpay.com/bank_technical.html|date=20140701154042}}</ref><ref>{{cite web|url=http://vpay.com/press28.html|title=Postbank migrates bank cards to V PAY/girocard}}</ref><ref>{{cite web|url=http://vpay.com/press29.html|title=German banks have agreed to issue 34 million V PAY}}</ref> or Italy's [[PagoBancomat]].<ref>{{cite web|url=http://www.gruppocarige.it/carige/html/ita/prodotti/famiglia/acquisti/carige_cash_eu.htm|title=CarigeCash Europa: la carta bancomat per prelievi ed acquisti sicuri}}</ref> V PAY is designed to provide a [[Single Euro Payments Area|SEPA]]-compliant card that enables use across the whole of Europe,<ref name="banks">{{cite web|url=http://vpay.com/banks.html|title=V PAY Banks}} {{wayback|http://vpay.com/banks.html|date=20140625103938}}</ref> and to compete with [[MasterCard]]'s similar [[Maestro (debit card)|Maestro]] debit card product. V PAY began to be accepted at merchants in France and Greece in 2005,<ref>{{cite web|url=http://vpay.com/press4.html|title=France and Greece are first countries to accept V PAY}}</ref> and acceptance has since expanded to more European countries. By 2010, 14,000,000 V PAY cards had been issued.{{Citation needed|date=September 2013}}


However from 2019, the V Pay system is gradually phased-out in favor of [[Visa Debit]].<ref>{{cite web |url=https://www.kreditwesen.de/cards/ergaenzende-informationen/karten-meldungen/visa-stellt-v-pay-visa-debit-um-id56444.html |title=Visa stellt von V-Pay auf Visa Debit um |website=kreditwesen.de |language=German |date=23 May 2019}}</ref>
V PAY, unlike its main competitor [[Maestro (debit card)|Maestro]], may not be used in non-chip and PIN environments, limiting its acceptance to those countries and merchants that have upgraded to this system, and increasing the safety against fraud. Unlike Maestro, which is issued and accepted globally, V PAY is designed as a specifically European product, and is not issued (with one exception)<ref>{{cite web|url=https://www.servicecu.org/personal/content/VPay.asp|title=V PAY CARD - Service Credit Union}}</ref> or accepted outside European countries.<ref name="banks" />


== External links ==
== External links ==
* [https://www.visa.co.uk/products/v-pay-by-visa/ Official Web site]
* [https://www.visa.co.uk/products/v-pay-by-visa/ Official website]


== References ==
== References ==
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[[Category:Debit cards]]
[[Category:Debit cards]]
[[Category:Visa Inc.]]

Latest revision as of 17:50, 14 October 2023

V Pay
Product typeDebit card
OwnerVisa Inc.
CountryUnited States
Related brandsVisa Electron, Visa Debit
MarketsEurope
Websitewww.visa.com

V Pay is a Single Euro Payments Area (SEPA) debit card for use in Europe, issued by Visa Europe.[1] It uses the EMV chip and PIN system and can be co-branded with various national debit card schemes such as the German Girocard[2][3][4] or Italy's PagoBancomat.[5]

Overview

[edit]

The V Pay debit card system competes with the Mastercard Maestro debit card product. However, unlike Mastercard Maestro, V Pay cards cannot be used in non-EMV environments, limiting its acceptance to those countries and merchants that use this system. Also unlike Mastercard Maestro, which is issued and accepted globally, V Pay is designed as a specifically European product, and is not issued or accepted outside European countries except for some of their overseas territories.[1] However, some cards are co-branded with the Visa Electron system, which allows using them outside Europe.[6]

V Pay cards began to be accepted at merchants in France and Greece in 2005,[7] and acceptance had since expanded to more European countries.

However from 2019, the V Pay system is gradually phased-out in favor of Visa Debit.[8]

[edit]

References

[edit]
  1. ^ a b "V PAY – Your European debit card". Archived from the original on June 25, 2014. Retrieved August 6, 2011.
  2. ^ "V PAY technical requirements". Archived from the original on July 1, 2014. Retrieved August 6, 2011.
  3. ^ "Postbank migrates bank cards to V PAY/girocard". Archived from the original on 2011-10-07. Retrieved 2011-08-06.
  4. ^ "German banks have agreed to issue 34 million V PAY". Archived from the original on 2011-10-07. Retrieved 2011-08-06.
  5. ^ "CarigeCash Europa: la carta bancomat per prelievi ed acquisti sicuri". Banca Carige. Archived from the original on 2013-02-18. (in Italian)
  6. ^ "Het 'Welke bank?' topic". Retrieved 2018-11-01.
  7. ^ "France and Greece are first countries to accept V PAY". Visa Europe. 8 July 2005. Archived from the original on 2011-10-07. Retrieved 2011-08-06.
  8. ^ "Visa stellt von V-Pay auf Visa Debit um". kreditwesen.de (in German). 23 May 2019.
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