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Payment systems in Germany

Club, Eurocard in connection with MasterCard, Visa) has grown from approximately 10 million at the end of 1994 to more than 18.8 million at the end of 2001. At the same time, the number of acceptance points (especially in the retail sector and the hotel business) has increased substantially. In 2001, German cardholders made payments by credit card amounting to approximately EUR 37.2 billion. In spite of this, credit cards are still used far less than other payment instruments (eg debit cards) in the Federal Republic of Germany. Owing to the commission charges (a deduction from the credit card turnover. | Payment systems in Germany Germany Table of contents List of abbreviations.149 1. Institutional aspects.151 1.1 The general institutional framework.151 1.1.1 Legal requirements and public bodies.151 1.1.2 Credit Transfer Act and other specific regulations relating to payment services 151 1.2 The role of the central bank.152 1.2.1 Oversight of payment systems.152 1.2.2 Payment systems of the Deutsche Bundesbank.152 1.2.3 Settlement.153 1.2.4 Pricing policy.154 1.3 The role of other private and public institutions.154 2. Payment media used by non-banks.155 2.1 Cash payments.155 2.2 Non-cash payments . 155 2.2.1 Credit transfers.156 2.2.2 Cheques.156 2.2.3 Direct debits.156 2.2.4 Card payments.157 2.2.5 Post office services.159 3. Interbank exchange and settlement systems.160 3.1 General overview.160 Giro network of commercial banks.160 Giro network of savings banks.160 Giro network of credit cooperatives.160 3.2 RTGSplus.162 3.2.1 General overview . 162 3.2.2 Participants.163 3.2.3 Types of transaction handled. 163 3.2.4 Transaction processing environment and liquidity control parameters.164 3.2.5 Operation of the transfer system.165 3.2.6 Credit and liquidity risk.165 3.2.7 Pricing.165 3.3 The retail payment system RPS. 166 3.3.1 General overview . 166 3.3.2 Participants . 166 3.3.3 Types of transaction. 166 3.3.4 Processing environment . 167 CPSS - Red Book - 2003 .