Girokartensysteme
Girokartensysteme, commonly known as debit card systems, are electronic payment networks that allow cardholders to make purchases directly from their bank accounts. When a girokarte is used for a transaction, the funds are debited from the cardholder's linked checking account in near real-time. These systems facilitate a wide range of transactions, from point-of-sale purchases at retail stores to ATM withdrawals and online payments, depending on the card issuer and network capabilities.
The operation of a girokarte system involves several key players: the cardholder, the merchant, the merchant's
Girokartensysteme are widely adopted due to their convenience and security. They reduce the need for carrying