title: Netherlands — Scheme & Network Compliance | World Payments Monitor canonical: https://payments.gi/jurisdictions/netherlands/w4/ publisher: Asymmetric Intelligence ### W4 Scheme & Network Compliance Confirmed confirmed 2026-06-27 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 2026 186 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. Layered on the regulatory caps are scheme-global monitoring programs. Visa's Acquirer Monitoring Program (VAMP) and Mastercard's Excessive Chargeback (ECM) and High Excessive Chargeback (HECM) programs set fraud and dispute ratio thresholds that acquirers such as Adyen and their merchants must stay within, with fines escalating once a program is entered. These scheme-global rules apply to NL acquirers regardless of the EU regulatory caps. #### Outlook W4 is stable and confirmed. The fixed EUR 0.02 domestic debit cap is the standing divergence to track for acquirer economics, and the VAMP/ECM/HECM monitoring thresholds remain active. No live scheme-rule change is flagged this cycle. no periodic updates on record for this sub-brief ** Sources and findings (4)** 1. T1 [https://www.acm.nl/en/publications/international-card-services-refunds-too-high-fees-ics-go-card-following-conversations-acm](https://www.acm.nl/en/publications/international-card-services-refunds-too-high-fees-ics-go-card-following-conversations-acm) retrieved 2026-06-27 2. T3 [https://www.checkout.com/blog/cko-explains-interchange-fees](https://www.checkout.com/blog/cko-explains-interchange-fees) retrieved 2026-06-27 3. T2 [https://www.barclaycard.co.uk/content/dam/barclaycard/documents/business/help-and-support/interchange-rates-and-scheme-fee-guide.pdf](https://www.barclaycard.co.uk/content/dam/barclaycard/documents/business/help-and-support/interchange-rates-and-scheme-fee-guide.pdf) retrieved 2026-06-27 4. T2 [https://docs.adyen.com/risk-management/dispute-and-fraud-monitoring/](https://docs.adyen.com/risk-management/dispute-and-fraud-monitoring/) retrieved 2026-06-27