The narrative of Mastercard and Visa dominance
Do the International Card Schemes (ICS) Mastercard and Visa dominate in Europe or even in Germany? Do these…
Bundestag Election 2021: Parties’ Positions on Payment Issues
On September 26, 2021, the elections to the 20th German Bundestag will take place. Even though we believe…
Lex Apple Pay – Take Two
In autumn 2019, the so-called “Lex Apple Pay” was introduced as Section 58a German Payment Services Supervisory Act…
Focus on the Retail Payments Strategy
Part of the Digital Finance Package Within the Digital Finance Package adopted by the European Commission (EC) in…
German Federal Court of Justice (BGH) confirms: Surcharging prohibition of Sec. 270a BGB does not apply to PayPal and Sofort
The BGH decision is the final point of a long legal dispute between FlixMobility and the Centre for…
Should e-money be a universal medium of exchange?
Payment systems regulatory law has recognized three types of money so far: cash (banknotes and coins), scriptural money…
Electronic vouchers: Which license requirements do exist for the issuance and distribution?
Vouchers are a useful thing. You can get them in the supermarket around the corner, even there is…
SEPA Proxy Lookup (SPL) – Mobile Payment with your phone number
After having outlined the functionalities of the SEPA Request-to-Pay scheme developed by the European Payments Council (EPC), this…
EPI: The destination is clear but now how we get there (part 2)
Update on the European Payments Initiative (EPI) and the EU Retail Payments Strategy (RPS) In the first part…
SEPA Request-to-Pay (SRTP | R2P)- the messaging service for payments
SEPA Request-to-Pay (SRTP) is a new scheme by the European Payment Council, similar to SEPA Credit Transfer (SCT),…