Indeed. Our debit cards are visa/mastercard, but such cards have numbers like NL01BANK012345678901 (IBAN). Credit cards have no additional benefit in day-to-day life but do have an additional cost.
Ideal is actually ideal for consumers, as the merchant doesn't ever receive personal information. For small amounts, it's only a fingerprint away.
Correction. Our debit cards are only mastercard maestro not visa. Maestro is depricated, and soon everyone in EU will have proper international debit cards.
Yeah, only a very low percentage of people will have a creditcard... 99% of dutch online payments will be made using IDeal, which is cheap (free for user, ~20-30ct for the seller) and instant. And works with every bank in the country (and some international ones like Revolut and N26)
It seems to become a European standard: https://nltimes.nl/2023/04/25/dutch-payment-processor-ideal-...