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V Pay
V Pay is a Single Euro Payments Area (SEPA) debit card for use in Europe, issued by Visa Europe. It uses the EMV chip and PIN system and may be co-branded with various national debit card schemes such as the German Girocard or Italy's PagoBancomat. Overview The V Pay debit card system competes with the Mastercard Maestro debit card product. However, unlike Mastercard Maestro, V Pay cards cannot be used in non-EMV environments, limiting its acceptance to those countries and merchants that use this system. Also unlike Mastercard Maestro, which is issued and accepted globally, V Pay is designed as a specifically European product, and is not issued or accepted outside European countries except for some islands which are part of European countries, such as Saint Martin. However, some cards are co-branded with the Visa Electron system, which allows using them outside Europe. V Pay cards began to be accepted at merchants in France and Greece in 2005, and acceptance had since expanded ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Debit Card
A debit card, also known as a check card or bank card is a payment card that can be used in place of cash to make purchases. The term '' plastic card'' includes the above and as an identity document. These are similar to a credit card, but unlike a credit card, the money for the purchase must be in the cardholder's bank account at the time of a purchase and is immediately transferred directly from that account to the merchant's account to pay for the purchase. Some debit cards carry a stored value with which a payment is made (prepaid card), but most relay a message to the cardholder's bank to withdraw funds from the cardholder's designated bank account. In some cases, the payment card number is assigned exclusively for use on the Internet and there is no physical card. This is referred to as a virtual card. In many countries, the use of debit cards has become so widespread they have overtaken checks in volume, or have entirely replaced them; in some instances, debit cards ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Visa Inc
Visa Inc. (; stylized as ''VISA'') is an American multinational financial services corporation headquartered in San Francisco, California. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies. Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa's global network (known as VisaNet) processed 100 billion transactions during 2014 with a total volume of US$6.8 trillion. This article is authored by a ''Forbes'' staff member. Visa was founded in 1958 by Bank of America (BofA) as the BankAmericard credit card program. Available through ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States
The United States of America (U.S.A. or USA), commonly known as the United States (U.S. or US) or America, is a country primarily located in North America. It consists of 50 states, a federal district, five major unincorporated territories, nine Minor Outlying Islands, and 326 Indian reservations. The United States is also in free association with three Pacific Island sovereign states: the Federated States of Micronesia, the Marshall Islands, and the Republic of Palau. It is the world's third-largest country by both land and total area. It shares land borders with Canada to its north and with Mexico to its south and has maritime borders with the Bahamas, Cuba, Russia, and other nations. With a population of over 333 million, it is the most populous country in the Americas and the third most populous in the world. The national capital of the United States is Washington, D.C. and its most populous city and principal financial center is New York City. Paleo-Americ ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Visa Electron
Visa Electron is a debit card product that uses the Visa payment system. It is offered by issuing banks in every country with the exception of Canada, Australia, Argentina, Ireland and the United States. The difference between Visa Electron and Visa Debit, a similar product, is that payments with Visa Electron always require on-line electronic authorisation, and typically require that all the funds be available at the time of transfer, i.e., Visa Electron card accounts may not normally be overdrawn. Most Visa Debit cards, on the other hand, may be processed off-line without on-line authorisation and may allow transfers exceeding available funds up to a certain limit. For that reason, Visa Electron cards are more commonly issued to younger customers or customers that have poor credit. Some online stores and all offline terminals do not support Visa Electron because their systems cannot check for the availability of funds. In addition to point of sale debit payments, the card also ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Visa Debit
Visa Debit is a major brand of debit card issued by Visa in many countries around the world. Numerous banks and financial institutions issue Visa Debit cards to their customers for access to their bank accounts. In many countries the Visa Debit functionality is often incorporated on the same plastic card that allows access to ATM and any domestic networks like EFTPOS or Interac. Usage In many countries the Visa Debit functionality has been added to existing ATM cards to allow customers to use the card for internet and point of sales transactions. Australia Bendigo Bank issued the first Visa Debit card in 1982, more than two decades before Mastercard Debit, or widespread Visa Debit use in Australia. Today it is in wide issuance, and domestically switches over local networks, though for new banks, connection to Visa is permitted. Canada In Canada, virtually all domestic debit card transactions are processed over the Interac network, though several financial institutions have al ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Single Euro Payments Area
The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro. , there were 36 members in SEPA, consisting of the 27 member states of the European Union, the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland), and the United Kingdom. Some microstates participate in the technical schemes: Andorra, Monaco, San Marino, and Vatican City. SEPA covers predominantly normal bank transfers. Payment methods which have additional optional features or services, such as mobile phone or smart card payment systems, are not directly covered. However, the instant SEPA payment scheme facilitates payment products also on smart devices. Goals The aim of SEPA is to improve the efficiency of cross-border payments and turn the previously fragmented national markets for euro payments into a single domestic one. SEPA enables customers to make cashless eu ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Debit Card
A debit card, also known as a check card or bank card is a payment card that can be used in place of cash to make purchases. The term '' plastic card'' includes the above and as an identity document. These are similar to a credit card, but unlike a credit card, the money for the purchase must be in the cardholder's bank account at the time of a purchase and is immediately transferred directly from that account to the merchant's account to pay for the purchase. Some debit cards carry a stored value with which a payment is made (prepaid card), but most relay a message to the cardholder's bank to withdraw funds from the cardholder's designated bank account. In some cases, the payment card number is assigned exclusively for use on the Internet and there is no physical card. This is referred to as a virtual card. In many countries, the use of debit cards has become so widespread they have overtaken checks in volume, or have entirely replaced them; in some instances, debit cards ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Smart Card
A smart card, chip card, or integrated circuit card (ICC or IC card) is a physical electronic authentication device, used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) chip. Many smart cards include a pattern of metal contacts to electrically connect to the internal chip. Others are contactless, and some are both. Smart cards can provide personal identification, authentication, data storage, and application processing. Applications include identification, financial, mobile phones (SIM), public transit, computer security, schools, and healthcare. Smart cards may provide strong security authentication for single sign-on (SSO) within organizations. Numerous nations have deployed smart cards throughout their populations. The universal integrated circuit card, or SIM card, is also a type of smart card. , 10.5billion smart card IC chips are manufactured annually, including 5.44billion SIM card IC chips. Hist ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Personal Identification Number
A personal identification number (PIN), or sometimes redundantly a PIN number or PIN code, is a numeric (sometimes alpha-numeric) passcode used in the process of authenticating a user accessing a system. The PIN has been the key to facilitating the private data exchange between different data-processing centers in computer networks for financial institutions, governments, and enterprises. PINs may be used to authenticate banking systems with cardholders, governments with citizens, enterprises with employees, and computers with users, among other uses. In common usage, PINs are used in ATM or POS transactions, secure access control (e.g. computer access, door access, car access), internet transactions, or to log into a restricted website. History The PIN originated with the introduction of the automated teller machine (ATM) in 1967, as an efficient way for banks to dispense cash to their customers. The first ATM system was that of Barclays in London, in 1967; it accepted ch ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Girocard
girocard is an interbank network and debit card service connecting virtually all German ATMs and banks. It is based on standards and agreements developed by the German Banking Industry Committee. German girocards are usually co-branded with Mastercard's Maestro/Cirrus or Visa's V Pay logo, allowing cardholders to use them in other European countries. As another co-badging option, combined girocard/ JCB cards were introduced in 2016. The German Savings Banks Association has announced that upcoming Sparkassen-Cards will also function as full Debit Mastercard cards in addition to girocards and will have a 16-digit Mastercard number. Some banks are phasing out girocards. DKB, for instance, has announced that instead of a girocard and a Visa credit card, it will soon be issuing its customers a single Visa Debit card. History Originally, German banks formed an interbank network connecting virtually all German ATMs. The network used Eurocheque guarantee cards as ATM cards and did n ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
PagoBancomat
Bancomat is an interbank network for cash withdrawals widely used in Italy. It was first introduced in 1983 for use with automated teller machines. The network is owned by the Rome-based Bancomat, S.p.A. and its cards are issued by Italian banks. The service is only used in Italy and the word “bancomat” is used in Italy as a synonym for automated teller machine. In 1986, an associated debit card network called PagoBancomat was introduced, which is based on the Bancomat service and is intended for PIN-based POS transactions. Since the Bancomat network is not used outside Italy, almost every Bancomat/PagoBancomat debit card is co-branded with a multinational service, such as Mastercard, Maestro, Visa, Visa Electron or V Pay, for use abroad. A new service called Bancomat Pay was introduced in January 2019. It is intended for electronic payment for online transactions. See also * ATM card * Point of sale The point of sale (POS) or point of purchase (POP) is the time a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Banca Carige
Banca Carige Società per azioni, S.p.A., historically known as Cassa di Risparmio di Genova e Imperia (Ca.Ri.Ge.) is an List of Italian banks, Italian bank based in Genoa, with more than 500 bank branches in Italy. The predecessor of the bank, a mount of piety, was founded in 1483 in Genoa, the Republic of Genoa. Banca Carige and its subsidiaries are known as Banca Carige Group ( it, Gruppo Banca Carige). The banking group, as of 1 April 2018, is one of the larger banking groups that were supervised by the European Central Bank. , the banking group had 529 branches throughout Italy, with one branch in Nice, France. About 37.2% branches are located in the home region Liguria. History 1483–1990: Early Years In 1483, the Franciscan Catholic theology, religious Angelo Da Chivasso, founded the mount of piety ( it, Monte di Pietà) of Genoa. In 1846, a decree of Kingdom of Sardinia, Piedmont-Sardinia King Charles Albert of Sardinia created the Cassa di Risparmio di Genova, which e ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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