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/

#resilience #preparedness #infrastructure #payments #banking

Status of the card payment contingency measure in Denmark

In the event of an outage in the card payment infrastructure, or if the internet is down, all adults in Denmark with a Danish-issued payment card from Dankort, Mastercard or Visa can now make offline payments in most nationwide supermarket chains for at least a week. This applies both to their physical payment cards and to card-based wallets on their mobile phones, such as Apple Pay and Google Pay. The same will be the case at 40 per cent of pharmacies in June, and the remaining pharmacies during the third quarter of 2026. This means that the Danish Payments Council will have achieved its objective of establishing a nationwide card payment contingency measure. The resilience of payments in Denmark is further supported by the fact that 80 per cent of Danes have at least one payment card that can be used offline in most stores not covered by the contingency measure.

Nationalbanken

@harrysintonen Sorry to ask before reading, but, are there links to the technical implementations in any of the articles?

If not, do you have any links?

If there are, I'd appreciate if you tell me (a "like" is enough). Sorry for the laziness πŸ˜Άβ€πŸŒ«οΈ