I spent a couple of weeks in the Netherlands lately and I was surprised that my Italian bank issued Mastercard credit card was not accepted in a lot of venues. It was almost a 50%-50% chance of being or not being accepted by the POS terminal. This is a chip & pin card with an RFID tag too, and when it worked it also worked by simply touching it on the POS, so I assume it’s up to technical standards.
On the other hand the Maestro debit/ATM card issued by the same bank worked effortlessly everywhere (it did not have an RFID tag so I always had to insert it and type the PIN code).
Now, I’m a bit amazed. It’s almost 2018, some years ago the EU went thru the SEPA harmonization process, the EU payment service directive 1.0 has been in place for several years, and I would assume that credit card liability rules between merchants, banks and customers would be the same all over the EU, and there was reciprocal acceptance.
Instead, it looks like merchants (or banks too?) can “discriminate” credit cards by national origin.
Is this all regular?
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