Chipnet

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Chipnet is the electronic wallet system used in the Netherlands. ATM cards issued by Dutch banks have smartcards that can be loaded with value via Chipnet loading stations next to ATMs. All bank cards are interopearable. Chipnet can be used for payments at parking machines, shops etc. No network access is required by the payment collection terminal. The system is therefore complementary to the online electronic point-of-sale payment system known as "PIN" which transfers payments in real-time. The maximum value of Chipnet storage and transactions is quite limited, but adequate for small retail transactions.


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