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Netherlands (NL) · Module Detail

Netherlands: Scheme & Network Compliance

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Card-scheme compliance in the Netherlands sits under the EU Interchange Fee Regulation (IFR), capping consumer interchange at 0.20% (debit) and 0.30% (credit), with a notable Dutch domestic specificity: debit/prepaid interchange is fixed at EUR 0.02 per transaction. The ACM oversees the card-payments/interchange market and fair competition. Visa/Mastercard publish intra-EEA rates (NL in the Mastercard EEA subregion) and update them each April/October. PCI DSS scheme rules and scheme monitoring programmes (Visa VAMP, Mastercard ECM/HECM) apply to acquirers and merchants operating in NL.

Standing sub-brief · as of 27 June 2026186 words · last cycle 2026-06-27

Scheme & Network Compliance

Card-scheme compliance in NL sits under the EU Interchange Fee Regulation, which caps consumer interchange at 0.20% on debit and 0.30% on credit. The Dutch domestic specificity is material: debit and prepaid interchange is fixed at EUR 0.02 per transaction. The ACM oversees the card-payments and interchange market, and Mastercard scheme rulebooks confirm the NL domestic rate as 0.2% capped at EUR 0.02. This fixed-cent cap diverges from the percentage caps and materially affects acquirer and merchant economics on Dutch debit volume.

no periodic updates on record for this sub-brief

Sources and findings (4)
  1. T1https://www.acm.nl/en/publications/international-card-services-refunds-too-high-fees-ics-go-card-following-conversations-acmretrieved
  2. T3https://www.checkout.com/blog/cko-explains-interchange-feesretrieved
  3. T2https://www.barclaycard.co.uk/content/dam/barclaycard/documents/business/help-and-support/interchange-rates-and-scheme-fee-guide.pdfretrieved
  4. T2https://docs.adyen.com/risk-management/dispute-and-fraud-monitoring/retrieved