In Germany there are 3 different types of card payment. You can choose the bank card, debit card and credit card.
The bank cards are issued directly by the bank and are therefore the most popular cards in Germany. The bank cards are secret with a number, the PIN safe. This map is for payment to the EC-cash and electronic direct debit, which can be used on almost every box office. Each card is closely associated with a checking account.
The second card is not used quite as often, the money card. Cash Cards are non-cash plastic cards, which are provided with a chip. Most of these chips in the bank cards integrated. Over the chip money can be loaded onto the debit card. The amount is limited to 200 €. By this method, customers can pay without having to enter your pin and without a signature. The system works like a prepaid phone card. can be used, the system including at parking meters or on buses.
Another method of card payment is paid with a credit card. The pay with a credit card actually works just like paying with a bank card. The difference is that the payee receives the money directly, but the amount is only at the end of the month by the bank debited from the checking account. This creates an interest rate advantage for the debtor. This brings the Institute, however, mostly due to high annual amounts in again. In addition, the merchant must make a commission from the transfer amount.
Overview
first transfer and standing order
second debit
third Electronic payments
4th card payment
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