<![CDATA[Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity.]]>Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

]]>https://board.circlewithadot.net/topic/4b23e797-2ca9-41fd-8f26-072f2d08ff4f/finland-denmark-norway-sweden-and-estonia-are-soon-enabling-offline-debit-card-payments-for-at-least-seven-days-without-network-connectivity.RSS for NodeWed, 15 Apr 2026 06:55:34 GMTMon, 13 Apr 2026 12:10:46 GMT60<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:38:17 GMT]]>@christopherkunz A solution that mitigates this risk would be preferable, indeed. As reported in https://www.ecb.europa.eu/press/pr/date/2025/html/ecb.pr250228_1~7f0697af45.en.html in 2022 only 37% of payments used national systems. Even those likely have many dependencies to systems outside of EU.

]]>https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116398377998841212https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116398377998841212Mon, 13 Apr 2026 16:38:17 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:36:29 GMT]]>@harrysintonen
Nothing about my question.

]]>https://board.circlewithadot.net/post/https://c.im/ap/users/116216635389955538/statuses/116398370920394987https://board.circlewithadot.net/post/https://c.im/ap/users/116216635389955538/statuses/116398370920394987Mon, 13 Apr 2026 16:36:29 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:33:36 GMT]]>@harrysintonen Belgium had an electronic offline payment system called Proton, it was stopped in 2014. It was always offline, you had to charge the card with the desired amount which can be used afterwards in every shop with a terminal

]]>https://board.circlewithadot.net/post/https://pouet.chapril.org/users/claudex/statuses/116398359638423447https://board.circlewithadot.net/post/https://pouet.chapril.org/users/claudex/statuses/116398359638423447Mon, 13 Apr 2026 16:33:36 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:32:51 GMT]]>@leeloo See https://www.riksbank.se/en-gb/payments--cash/payment-preparedness/offline-payments/ for rough explanation.

]]>https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116398356638507780https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116398356638507780Mon, 13 Apr 2026 16:32:51 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:29:57 GMT]]>@harrysintonen

Humanity already enabled this with physical money.

I mean: good that working internet is not required for paying with cards, but not making paying with actual money nearly impossible ( which would technically in the worst case not even need electricity) would have prevented making this new step necassary in the first place.

]]>https://board.circlewithadot.net/post/https://literatur.social/users/v_d_richards/statuses/116398345252436057https://board.circlewithadot.net/post/https://literatur.social/users/v_d_richards/statuses/116398345252436057Mon, 13 Apr 2026 16:29:57 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:29:48 GMT]]>@harrysintonen
It works for debit cards? How?

The one reason that I have accepted having a debit card is the absolute guarantee that it cannot be used to spend money I don't have. Otherwise, that's a credit card, and I will not accept a credit card contract.

Without access to my bank, how does this guarantee work?

]]>https://board.circlewithadot.net/post/https://c.im/ap/users/116216635389955538/statuses/116398344682297062https://board.circlewithadot.net/post/https://c.im/ap/users/116216635389955538/statuses/116398344682297062Mon, 13 Apr 2026 16:29:48 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:22:20 GMT]]>@briankrebs The fraud is limited by the fact that this system can only be exploited when the network connection is down. There also is limits for the amounts you can "credit", I believe, and the system is limited to cards issued in that particular country.

Yes, there is possibility for fraud, but these mitigating factors should limit it.

]]>https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116398315293854440https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116398315293854440Mon, 13 Apr 2026 16:22:20 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:21:12 GMT]]>@harrysintonen Seems like good for the consumer, but also good for fraudsters, no?

]]>https://board.circlewithadot.net/post/https://infosec.exchange/users/briankrebs/statuses/116398310838151307https://board.circlewithadot.net/post/https://infosec.exchange/users/briankrebs/statuses/116398310838151307Mon, 13 Apr 2026 16:21:12 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 16:13:59 GMT]]>@harrysintonen even when they do it 😐

]]>https://board.circlewithadot.net/post/https://beige.party/users/Kierkegaanks/statuses/116398282477346572https://board.circlewithadot.net/post/https://beige.party/users/Kierkegaanks/statuses/116398282477346572Mon, 13 Apr 2026 16:13:59 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 15:07:10 GMT]]>@harrysintonen In addition to Russia cutting the cables, my concern is for VISA and other US credit card providers cutting service to specific, targeted individuals or even whole countries. We've already seen precedent for both.

]]>https://board.circlewithadot.net/post/https://chaos.social/users/christopherkunz/statuses/116398019731588654https://board.circlewithadot.net/post/https://chaos.social/users/christopherkunz/statuses/116398019731588654Mon, 13 Apr 2026 15:07:10 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 15:05:31 GMT]]>@sef
In my opinion, it's a really bad idea, but no one ever asks me 😄

@harrysintonen

]]>https://board.circlewithadot.net/post/https://mastodon.social/users/wariat/statuses/116398013261508080https://board.circlewithadot.net/post/https://mastodon.social/users/wariat/statuses/116398013261508080Mon, 13 Apr 2026 15:05:31 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 14:57:02 GMT]]>This paves the way for digital euro, but affects in-person payments only, and relinquishes the consumers' chargeback right because even when delayed, debit is still debit. With buyer behavior moving more and more online, and remote purchases without chargeback right moving all the transaction risk to the consumer, it's not all good.
https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html
@harrysintonen

]]>https://board.circlewithadot.net/post/https://mas.to/users/osma/statuses/116397979876936766https://board.circlewithadot.net/post/https://mas.to/users/osma/statuses/116397979876936766Mon, 13 Apr 2026 14:57:02 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 14:55:05 GMT]]>@harrysintonen What are the odds that 'internet' would morph into network of interconnected drone nets?

*not an endorsement of satellite networks 😉

]]>https://board.circlewithadot.net/post/https://c.im/ap/users/115691859295411580/statuses/116397972196824437https://board.circlewithadot.net/post/https://c.im/ap/users/115691859295411580/statuses/116397972196824437Mon, 13 Apr 2026 14:55:05 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 14:41:54 GMT]]>@wariat That means the end of common access to state-issued money (m0). Not sure that’s a good thing, if not an outright monetary impossibility. https://www.harpercollins.com/products/cloudmoney-brett-scott @harrysintonen

]]>https://board.circlewithadot.net/post/https://social.coop/users/sef/statuses/116397920391821979https://board.circlewithadot.net/post/https://social.coop/users/sef/statuses/116397920391821979Mon, 13 Apr 2026 14:41:54 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 14:08:07 GMT]]>@harrysintonen I am glad that when the world ends, i can still pay my bills.

]]>https://board.circlewithadot.net/post/https://tech.lgbt/users/catraxx/statuses/116397787559526572https://board.circlewithadot.net/post/https://tech.lgbt/users/catraxx/statuses/116397787559526572Mon, 13 Apr 2026 14:08:07 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 14:02:13 GMT]]>@harrysintonen
It's high time they came up with the idea of ​​abolishing cash.

]]>https://board.circlewithadot.net/post/https://mastodon.social/users/wariat/statuses/116397764327732911https://board.circlewithadot.net/post/https://mastodon.social/users/wariat/statuses/116397764327732911Mon, 13 Apr 2026 14:02:13 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:57:59 GMT]]>@leffe @toxy @harrysintonen The advantage would be that it is totally independent of Google... except it maybe isn't, when you need to use Android apps... which is most apps.

🤔

]]>https://board.circlewithadot.net/post/https://mastodonsweden.se/users/kallekn/statuses/116397747686670739https://board.circlewithadot.net/post/https://mastodonsweden.se/users/kallekn/statuses/116397747686670739Mon, 13 Apr 2026 13:57:59 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:55:51 GMT]]>@harrysintonen @slotos Thank you. The nationalbanken.de is the link with more info IMO.

Interesting stuff, thank you for posting, and @skinnylatte for boosting.

]]>https://board.circlewithadot.net/post/https://mastodon.social/users/jandi/statuses/116397739308380576https://board.circlewithadot.net/post/https://mastodon.social/users/jandi/statuses/116397739308380576Mon, 13 Apr 2026 13:55:51 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:55:10 GMT]]>@kallekn @toxy @harrysintonen

Yes, but it was eight years ago. It doesn't have any advantage over other degoogled systems. We'll see what happens whey tighten things this autumn.

]]>https://board.circlewithadot.net/post/https://social.linux.pizza/users/leffe/statuses/116397736617067414https://board.circlewithadot.net/post/https://social.linux.pizza/users/leffe/statuses/116397736617067414Mon, 13 Apr 2026 13:55:10 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:53:11 GMT]]>@leffe @toxy @harrysintonen But did BankID work? What did not work?

]]>https://board.circlewithadot.net/post/https://mastodonsweden.se/users/kallekn/statuses/116397728843409359https://board.circlewithadot.net/post/https://mastodonsweden.se/users/kallekn/statuses/116397728843409359Mon, 13 Apr 2026 13:53:11 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:52:11 GMT]]>@kallekn @leffe @harrysintonen Absolutely.

]]>https://board.circlewithadot.net/post/https://mastodon.acc.sunet.se/users/toxy/statuses/116397724897103595https://board.circlewithadot.net/post/https://mastodon.acc.sunet.se/users/toxy/statuses/116397724897103595Mon, 13 Apr 2026 13:52:11 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:51:46 GMT]]>@toxy @kallekn @harrysintonen

I had Sailfish too for a couple of years. Same problems.

]]>https://board.circlewithadot.net/post/https://social.linux.pizza/users/leffe/statuses/116397723230323784https://board.circlewithadot.net/post/https://social.linux.pizza/users/leffe/statuses/116397723230323784Mon, 13 Apr 2026 13:51:46 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:51:30 GMT]]>@toxy @leffe @harrysintonen Please do tell if that works.

]]>https://board.circlewithadot.net/post/https://mastodonsweden.se/users/kallekn/statuses/116397722189326572https://board.circlewithadot.net/post/https://mastodonsweden.se/users/kallekn/statuses/116397722189326572Mon, 13 Apr 2026 13:51:30 GMT<![CDATA[Reply to Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. on Mon, 13 Apr 2026 13:50:49 GMT]]>@jandi My understanding is that this is all based on the existing EMV technology and doesn't require new hardware. Basically it's just enabling existing features. Sorry, but I don't have technical specs for this.

@slotos
As for the regulation, each country has a slightly different process and bodies doing it. Usually it's the national central bank with some kind of payment council (that has participants from various stakeholders running the payment systems, for example https://www.nationalbanken.dk/en/what-we-do/safe-and-efficient-payments/the-danish-payments-council).

]]>https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116397719488702520https://board.circlewithadot.net/post/https://infosec.exchange/users/harrysintonen/statuses/116397719488702520Mon, 13 Apr 2026 13:50:49 GMT