10th Prepaid Congress – Go for Gold!
On 22 May 2025, the time has finally come: the Prepaid Congress will take place for the tenth…
Tip(ping): Contactless payment – enjoyment lies in the delay
UX moments at the terminal: A regular morning at the airport – until technology steps in and asks for a tip. Hugo Godschalk shares a short, pointed observation that makes you pause and think.
EBA’s Report on Tokenised Deposits
On 12 December 2024, the European Banking Authority (‘EBA’) published its ‘Report on tokenised deposits’ (‘EBA Report’). [1] …
“Fair” merchant fees for the acceptance of the Digital Euro?
In its charm offensive for the Digital Euro (D€), the ECB is primarily targeting merchants. This is an…
What do the party manifestos have to say about ‘our’ payment topics?
Some highlights from the German federal election manifestos 2025 Payments are not just a topic for lawyers. It…
EBA specifies e-money definition – What does this mean in practice?
The definition of e-money plays an important role in practice, as it determines the regulatory requirements for products…
The questionable figures to the German payment market of the German Council of Economic Experts
The new annual report on the assessment of macroeconomic developments 2024/2025 by the German Council of Economic Experts…
Deposit from the credit institution and e-money (only) from the e-money institution?
Digital means of payment are more present in public discourse than ever; not least due to the new…
The Digital Euro in the European Election Campaign
The European Commission’s proposal to regulate the digital euro (D€) has been on the table since June 28th,…
Online again: BaFin register of notified LNE exemptions
Here at PayTechLaw, we have always dealt with the PSD2-exceptions for limited networks and limited product ranges. Those…
The AML package is here
On February 12, 2024, the Council of the European Union published the final compromise texts on the new…
Digital Euro – No Full Anonymity. Why Not?
A contribution to the hearing in the Finance Committee of the German Bundestag on the digital euro on…
The metamorphosis of a payment instrument into a payment app
If you “google” the term payment app, you come across Apple Pay, Google Pay, Payback Pay, Bluecode, PayPal…
Credit card saturation and debit card boom in Germany?
According to the Bundesbank’s payment statistics, the number of credit cards issued1 fell by 6% (for so-called charge…