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This article is about a European debit card. For the US payment system, see VPAY.
V Pay logo

V PAY is a type of debit card issued by Visa Europe. It provides a fully chip & PIN based card that may be co-branded with various national debit card schemes, such as the German Girocard[1][2][3] or Italy's PagoBancomat.[4] V PAY is designed to provide a SEPA-compliant card that enables use across the whole of Europe,[5] and to compete with MasterCard's similar Maestro debit card product. V PAY began to be accepted at merchants in France and Greece in 2005,[6] and acceptance has since expanded to more European countries. By 2010, 14,000,000 V PAY cards had been issued.[citation needed]

V PAY, unlike its main competitor Maestro, may not be used in non-chip and PIN environments, limiting its acceptance to those countries and merchants that have upgraded to this system, and increasing the safety against fraud. Unlike 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[5] (though it is issued by the European branch of US Military-affiliated Service Credit Union,[7] making the card available to membership-eligible US residents.)

External links[edit]


  1. ^ "V PAY technical requirements". Archived July 1, 2014, at the Wayback Machine.
  2. ^ "Postbank migrates bank cards to V PAY/girocard". 
  3. ^ "German banks have agreed to issue 34 million V PAY". 
  4. ^ "CarigeCash Europa: la carta bancomat per prelievi ed acquisti sicuri". 
  5. ^ a b "V PAY Banks".  Archived June 25, 2014, at the Wayback Machine.
  6. ^ "France and Greece are first countries to accept V PAY". 
  7. ^ "V PAY CARD - Service Credit Union".