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It was a lot of bullets or embarrassing for many of them when they could not suddenly identify a fault with MasterCard last night. What caused the failure and how do you treat it as an entrepreneur and consumer?
The answer to the first question is complex, as we call MasterCard. The company released a new global version of their technology yesterday. "There is a mistake," says director Arjan Bol, director of MasterCard in our country. What an error he can not say, "We will evaluate it."
Also read: Large portion of flat payment traffic due to disruption at Maestro
How many people were disturbed?
How many transactions could not be done, so is still unknown. "Bowl in the Netherlands, we are sorry," says Bol
. The impact of the disruption has been relatively large in the Netherlands, as many Dutch banks use Maestro technology in their debit cards. a lot to be pinned in our country. But the fault was also noticeable abroad.
For example, Thijs Verhoeven, 39, could not pay in a Parisian restaurant, not even with his credit card. When it became clear that it was a failure, he was allowed to pay the bill today. "We just did that."
"What's funny is that my partner said before going on vacation: will I make money in my wallet?" Says Verhoeven. "But yes, I thought 'no, you can pin it anywhere', which is not necessary, but I stopped thinking that you become very dependent on banks and technology for # 39; s time. "
Maestro debit card will suffer. How is it possible?
Maestro is not just a technique that allows debit cards to work, it's also a way to process debit card payments. But there are also other PIN transaction processors, like Equens. The problem with MasterCard yesterday caused a problem when processing transactions.
"Suppose you want to pay with your ING pass at a restaurant in ABN," says Bol. "ABN sends a signal to ING to verify if you have enough funds, and if so, the retailer will receive a guarantee that the money will be paid and ABN will send a signal that ING has to withdraw the money. 39, money account. "
At this intersection of communication between banks, which is organized by Maestro among others, he was deceived yesterday. Entrepreneurs who let their payment transactions go through another processor have not been bothered by this.
What is the damage?
At Retail Netherlands, they do not know it either. About 1 million transactions per hour are made, for an average amount between 20 and 50 euros. "Suppose half of it is not spent, then you get to a sum of several million," says Michel van Bommel of the professional association.
It is difficult to make an assessment, because retailers do not know which purchase is given in the store, adds Van Bommel.
Concert Organizer Mojo also suffered from the disturbance at the Eminem concert yesterday in the Goffertpark. Beverage sales go through the coins that are settled with the debit card.
"It's annoying that this happens during a gig, because of the rows that come up then, but luckily the biggest peak in parts sales at the site's opening," said one spokesperson. It does not mean anything about a possible loss
Can you claim damages?
No, it is not possible, says Van Bommel. You can not make sure for that. In case of remote registration, a compensation system applies, but this only applies after a malfunction of less than 24 hours
What can you do as a consumer or contractor? ?
Retailers can do several things to get their money The PIN traffic is disrupted, tells Simon Lelieveldt, expert in the field of payment transactions in the Netherlands, and Van Bommel of the retail trade association.
One option is to request a single client collection authorization. The retailer may also ask customers to transfer the amount locally via internet banking or even send a Tikkie. Because it worked yesterday.
And money is always an option. That is why Berend Jan Beugel of the Dutch Payments Association advises you to always have money with you so that you can always pay.
Retailers who want to be certain of uncertainty, can better connect with multiple transaction processors. In case of failure to one (MasterCard), payment can still be made via a competitor. "If you as a retailer can not even experience the slightest disruption, you have to spread the risk by connecting to multiple networks," says Beugel.
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