{"id":10671,"date":"2025-10-31T11:18:43","date_gmt":"2025-10-31T10:18:43","guid":{"rendered":"https:\/\/unifits.com\/?p=10671"},"modified":"2025-11-11T08:13:17","modified_gmt":"2025-11-11T07:13:17","slug":"payment-scheme-definition","status":"publish","type":"post","link":"https:\/\/unifits.com\/de\/news\/payment-scheme-definition\/","title":{"rendered":"Payment Scheme Definition: Was ist ein Payment Scheme &#038; warum ist es wichtig?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10671\" class=\"elementor elementor-10671\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf67af e-flex e-con-boxed e-con e-parent\" data-id=\"2bf67af\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-68ba646 e-con-full e-flex e-con e-child\" data-id=\"68ba646\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19f15e6 elementor-widget elementor-widget-text-editor\" data-id=\"19f15e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ob Kartenzahlung im Supermarkt, SEPA-\u00dcberweisung oder Lastschrift f\u00fcrs Abo \u2013 hinter all diesen Transaktionen steckt ein <strong>Payment Scheme<\/strong>. Doch was verbirgt sich genau dahinter? In diesem Artikel erhalten Sie eine leicht <strong>verst\u00e4ndliche Erkl\u00e4rung<\/strong>, spannende Praxisbeispiele und einen <strong>\u00dcberblick<\/strong>, warum Payment Schemes das R\u00fcckgrat des modernen Zahlungsverkehrs sind.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-501c63f e-flex e-con-boxed e-con e-parent\" data-id=\"501c63f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-35163d4 e-con-full e-flex e-con e-child\" data-id=\"35163d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9ccbde elementor-widget elementor-widget-heading\" data-id=\"d9ccbde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Das Wichtigste zusammengefasst<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9119c8b elementor-widget elementor-widget-heading\" data-id=\"9119c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Was ist ein Payment Scheme einfach erkl\u00e4rt?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f9bc4 elementor-widget elementor-widget-text-editor\" data-id=\"79f9bc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein Payment Scheme ist ein Regelwerk, das festlegt, wie Zahlungen zwischen Banken, Unternehmen und Kunden abgewickelt werden. Es definiert die Richtlinien, Prozesse, Sicherheitsanforderungen und Rollen der Beteiligten.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b89a519 elementor-widget elementor-widget-heading\" data-id=\"b89a519\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Warum sind Payment Schemes wichtig?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6149fb elementor-widget elementor-widget-text-editor\" data-id=\"e6149fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sie sorgen f\u00fcr <strong>Sicherheit, Effizienz und Interoperabilit\u00e4t<\/strong> im Zahlungsverkehr. Ohne Schemes g\u00e4be es keine einheitlichen Regeln, was zu Verz\u00f6gerungen, Fehlern oder erh\u00f6htem Risiko f\u00fchren w\u00fcrde.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7581acc e-con-full e-flex e-con e-child\" data-id=\"7581acc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62d63cd elementor-widget elementor-widget-image\" data-id=\"62d63cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"2048\" height=\"1365\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/programming-background-with-person-working-with-codes-computer_small_compressed.png\" class=\"attachment-full size-full wp-image-10518\" alt=\"Programmierhintergrund mit einer Person, die am Computer mit Code arbeitet\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/programming-background-with-person-working-with-codes-computer_small_compressed.png 2048w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/programming-background-with-person-working-with-codes-computer_small_compressed-300x200.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/programming-background-with-person-working-with-codes-computer_small_compressed-1024x683.png 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/programming-background-with-person-working-with-codes-computer_small_compressed-768x512.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/programming-background-with-person-working-with-codes-computer_small_compressed-1536x1024.png 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c9afc6 e-flex e-con-boxed e-con e-parent\" data-id=\"4c9afc6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f5d3f37 e-con-full e-flex e-con e-child\" data-id=\"f5d3f37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-e525749 e-con-full e-flex e-con e-child\" data-id=\"e525749\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-461e22a elementor-widget elementor-widget-jet-inline-svg\" data-id=\"461e22a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg jet-inline-svg--custom-width\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"utf-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.0\" id=\"Ebene_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 200 200\" style=\"enable-background:new 0 0 200 200;\" xml:space=\"preserve\">\n<style type=\"text\/css\">\n\t.st0{fill:none;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st1{fill:none;stroke:#2E64FB;stroke-width:5;stroke-miterlimit:10;}\n\t.st2{fill:#2E64FB;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st3{fill:none;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st4{fill:#2E64FB;}\n\t.st5{fill:none;stroke:#2E64FB;stroke-width:4;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st6{fill:none;stroke:#1466FF;stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st7{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st8{fill:none;stroke:#2E64FB;stroke-width:3.8307;stroke-miterlimit:10;}\n\t.st9{fill:none;stroke:#2E64FB;stroke-width:4.7515;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st10{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-miterlimit:10;}\n\t.st11{fill:none;stroke:#2E64FB;stroke-width:4.6787;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st12{fill:none;stroke:#1466FF;stroke-width:4;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st13{fill:none;stroke:#2E64FB;stroke-width:4.5062;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st14{fill:none;stroke:#2E64FB;stroke-width:4;stroke-miterlimit:10;}\n\t.st15{fill:none;stroke:#2E64FB;stroke-width:5.401;stroke-miterlimit:10;}\n\t.st16{fill:none;stroke:#2E64FB;stroke-width:5.401;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st17{fill:none;stroke:#2E64FB;stroke-width:5.5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st18{fill:none;stroke:#1466FF;stroke-width:5.5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st19{fill:none;stroke:#2E64FB;stroke-width:6;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st20{fill:#1466FF;stroke:#1466FF;stroke-width:2.2948;stroke-miterlimit:10;}\n\t.st21{fill:none;stroke:#1466FF;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st22{fill:#1466FF;}\n\t.st23{fill:none;stroke:#1466FF;stroke-width:5;stroke-miterlimit:10;}\n\t.st24{fill:none;stroke:#2E64FB;stroke-width:4.5062;stroke-miterlimit:10;}\n\t.st25{fill:#FFFFFF;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st26{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st27{fill:#2E64FB;stroke:#2E64FB;stroke-width:3;stroke-miterlimit:10;}\n<\/style>\n<g>\n\t<path class=\"st7\" d=\"M132.5,87.3V53.7c0-3.6-2.9-6.4-6.4-6.4H57.5c-3.6,0-6.4,2.9-6.4,6.4v92.6c0,3.6,2.9,6.4,6.4,6.4h68.5   c3.6,0,6.4-2.9,6.4-6.4v-2.7\"><\/path>\n\t<circle class=\"st8\" cx=\"112.2\" cy=\"112.9\" r=\"23.7\"><\/circle>\n\t<line class=\"st9\" x1=\"130.6\" y1=\"129.8\" x2=\"148.9\" y2=\"148.2\"><\/line>\n\t<polygon class=\"st10\" points=\"106.1,55.4 77.4,55.4 73.7,47.3 109.9,47.3  \"><\/polygon>\n\t<line class=\"st11\" x1=\"65.6\" y1=\"76.8\" x2=\"118.3\" y2=\"76.8\"><\/line>\n\t<line class=\"st11\" x1=\"65.6\" y1=\"94.9\" x2=\"78.1\" y2=\"94.9\"><\/line>\n\t<line class=\"st11\" x1=\"65.6\" y1=\"129\" x2=\"78.1\" y2=\"129\"><\/line>\n\t<line class=\"st11\" x1=\"65.6\" y1=\"112.6\" x2=\"73.7\" y2=\"112.6\"><\/line>\n<\/g>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d4269d e-con-full e-flex e-con e-child\" data-id=\"4d4269d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9def38 elementor-widget elementor-widget-heading\" data-id=\"c9def38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Welche Arten von Payment Schemes gibt es?<\/b><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84ba9c0 elementor-tablet-align-start elementor-widget-mobile__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"84ba9c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Dazu z\u00e4hlen  <strong>Kartenschemes <\/strong> (z. B. Visa, Mastercard),  <strong>\u00dcberweisungs- und Lastschrift-Schemes <\/strong> (z. B. SEPA Credit Transfer (SCT) und SEPA Direct Debit (SDD) und  <strong>Instant Payments <\/strong> (z. B. SEPA Instant Credit Transfer).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7842666 e-con-full e-flex e-con e-child\" data-id=\"7842666\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-38eba18 e-con-full e-flex e-con e-child\" data-id=\"38eba18\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee23f75 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"ee23f75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg jet-inline-svg--custom-width\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Ebene_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 200 200\" style=\"enable-background:new 0 0 200 200;\" xml:space=\"preserve\">\n  <style type=\"text\/css\">\t.st0{fill:none;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\t.st1{fill:none;stroke:#2E64FB;stroke-width:5;stroke-miterlimit:10;}\t.st2{fill:#2E64FB;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\t.st3{fill:none;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\t.st4{fill:#2E64FB;}\t.st5{fill:none;stroke:#2E64FB;stroke-width:4;stroke-linecap:round;stroke-miterlimit:10;}\t.st6{fill:none;stroke:#1466FF;stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\t.st7{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-miterlimit:10;}\t.st8{fill:none;stroke:#2E64FB;stroke-width:3.8307;stroke-miterlimit:10;}\t.st9{fill:none;stroke:#2E64FB;stroke-width:4.7515;stroke-linecap:round;stroke-miterlimit:10;}\t.st10{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-miterlimit:10;}\t.st11{fill:none;stroke:#2E64FB;stroke-width:4.6787;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\t.st12{fill:none;stroke:#1466FF;stroke-width:4;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\t.st13{fill:none;stroke:#2E64FB;stroke-width:4.5062;stroke-linecap:round;stroke-miterlimit:10;}\t.st14{fill:none;stroke:#2E64FB;stroke-width:4;stroke-miterlimit:10;}\t.st15{fill:none;stroke:#2E64FB;stroke-width:5.401;stroke-miterlimit:10;}\t.st16{fill:none;stroke:#2E64FB;stroke-width:5.401;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\t.st17{fill:none;stroke:#2E64FB;stroke-width:5.5;stroke-linecap:round;stroke-miterlimit:10;}\t.st18{fill:none;stroke:#1466FF;stroke-width:5.5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\t.st19{fill:none;stroke:#2E64FB;stroke-width:6;stroke-linecap:round;stroke-miterlimit:10;}\t.st20{fill:#1466FF;stroke:#1466FF;stroke-width:2.2948;stroke-miterlimit:10;}\t.st21{fill:none;stroke:#1466FF;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\t.st22{fill:#1466FF;}\t.st23{fill:none;stroke:#1466FF;stroke-width:5;stroke-miterlimit:10;}\t.st24{fill:none;stroke:#2E64FB;stroke-width:4.5062;stroke-miterlimit:10;}\t.st25{fill:#FFFFFF;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-miterlimit:10;}\t.st26{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\t.st27{fill:#2E64FB;stroke:#2E64FB;stroke-width:3;stroke-miterlimit:10;}<\/style>\n  <g>\t<circle class=\"st17\" cx=\"102.1\" cy=\"74.5\" r=\"28.3\"><\/circle>\t<path class=\"st17\" d=\"M102.1,102.8h3.7c28.1,0,50.9,22.8,50.9,50.9H49.3c0-28.1,22.8-50.9,50.9-50.9h3.7\"><\/path>\t<polygon class=\"st18\" points=\"169.8,88 156,95.8 159.1,80.3 147.5,69.5 163.2,67.7 169.8,53.3 176.4,67.7 192.1,69.5 180.5,80.3   183.6,95.8  \"><\/polygon>\t<path class=\"st18\" d=\"M44.9,98.4H15.3c-4,0-7.3-3.3-7.3-7.3V71.9c0-4,3.3-7.3,7.3-7.3h29.7c4,0,7.3,3.3,7.3,7.3V91  C52.3,95.1,49,98.4,44.9,98.4z\"><\/path>\t<path class=\"st18\" d=\"M41.6,63.1v-7.6c0-2.6-2.1-4.7-4.7-4.7H23.3c-2.6,0-4.7,2.1-4.7,4.7v7.6H41.6z\"><\/path><\/g>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-802094a e-con-full e-flex e-con e-child\" data-id=\"802094a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81eb0bd elementor-widget elementor-widget-heading\" data-id=\"81eb0bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wer ist an Payment Schemes beteiligt?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8593250 elementor-tablet-align-start elementor-widget-mobile__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8593250\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Banken, Zahlungsdienstleister, H\u00e4ndler, Endkunden sowie zentrale Organisationen wie Zentralbanken und Clearingh\u00e4user, die die Governance und Regeln festlegen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab4f5f5 e-con-full e-flex e-con e-child\" data-id=\"ab4f5f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-80c24b5 e-con-full e-flex e-con e-child\" data-id=\"80c24b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d5b646 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"1d5b646\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg jet-inline-svg--custom-width\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"utf-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.0\" id=\"Ebene_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 200 200\" style=\"enable-background:new 0 0 200 200;\" xml:space=\"preserve\">\n<style type=\"text\/css\">\n\t.st0{fill:none;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st1{fill:none;stroke:#2E64FB;stroke-width:5;stroke-miterlimit:10;}\n\t.st2{fill:#2E64FB;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st3{fill:none;stroke:#2E64FB;stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st4{fill:#2E64FB;}\n\t.st5{fill:none;stroke:#2E64FB;stroke-width:4;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st6{fill:none;stroke:#1466FF;stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st7{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st8{fill:none;stroke:#2E64FB;stroke-width:3.8307;stroke-miterlimit:10;}\n\t.st9{fill:none;stroke:#2E64FB;stroke-width:4.7515;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st10{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-miterlimit:10;}\n\t.st11{fill:none;stroke:#2E64FB;stroke-width:4.6787;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st12{fill:none;stroke:#1466FF;stroke-width:4;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st13{fill:none;stroke:#2E64FB;stroke-width:4.5062;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st14{fill:none;stroke:#2E64FB;stroke-width:4;stroke-miterlimit:10;}\n\t.st15{fill:none;stroke:#2E64FB;stroke-width:5.401;stroke-miterlimit:10;}\n\t.st16{fill:none;stroke:#2E64FB;stroke-width:5.401;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st17{fill:none;stroke:#2E64FB;stroke-width:5.5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st18{fill:none;stroke:#1466FF;stroke-width:5.5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st19{fill:none;stroke:#2E64FB;stroke-width:6;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st20{fill:#1466FF;stroke:#1466FF;stroke-width:2.2948;stroke-miterlimit:10;}\n\t.st21{fill:none;stroke:#1466FF;stroke-width:5;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st22{fill:#1466FF;}\n\t.st23{fill:none;stroke:#1466FF;stroke-width:5;stroke-miterlimit:10;}\n\t.st24{fill:none;stroke:#2E64FB;stroke-width:4.5062;stroke-miterlimit:10;}\n\t.st25{fill:#FFFFFF;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-miterlimit:10;}\n\t.st26{fill:none;stroke:#2E64FB;stroke-width:4.6788;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}\n\t.st27{fill:#2E64FB;stroke:#2E64FB;stroke-width:3;stroke-miterlimit:10;}\n<\/style>\n<g>\n\t<circle class=\"st3\" cx=\"100.7\" cy=\"101\" r=\"23.6\"><\/circle>\n\t<circle class=\"st3\" cx=\"94.7\" cy=\"59.2\" r=\"7.6\"><\/circle>\n\t<circle class=\"st3\" cx=\"145.8\" cy=\"78.2\" r=\"11.7\"><\/circle>\n\t<circle class=\"st3\" cx=\"138.5\" cy=\"125.8\" r=\"9.5\"><\/circle>\n\t<circle class=\"st3\" cx=\"63.7\" cy=\"132.3\" r=\"11.7\"><\/circle>\n\t<circle class=\"st3\" cx=\"52\" cy=\"81.8\" r=\"9.5\"><\/circle>\n\t<circle class=\"st3\" cx=\"105.4\" cy=\"140.8\" r=\"7.6\"><\/circle>\n\t<line class=\"st3\" x1=\"96.2\" y1=\"67\" x2=\"98.1\" y2=\"76.9\"><\/line>\n\t<line class=\"st3\" x1=\"122\" y1=\"90.9\" x2=\"134.7\" y2=\"83.8\"><\/line>\n\t<line class=\"st3\" x1=\"120.2\" y1=\"114.3\" x2=\"129.7\" y2=\"120.3\"><\/line>\n\t<line class=\"st3\" x1=\"103.5\" y1=\"124.4\" x2=\"104.4\" y2=\"132.3\"><\/line>\n\t<line class=\"st3\" x1=\"81.8\" y1=\"115.1\" x2=\"72.6\" y2=\"123.8\"><\/line>\n\t<line class=\"st3\" x1=\"78.3\" y1=\"93.4\" x2=\"62.1\" y2=\"86.3\"><\/line>\n<\/g>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b08f02 e-con-full e-flex e-con e-child\" data-id=\"8b08f02\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a1327f elementor-widget elementor-widget-heading\" data-id=\"6a1327f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Wo gelten Payment Schemes?<\/b><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3653a6 elementor-tablet-align-start elementor-widget-mobile__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d3653a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sie gelten <strong>national <\/strong>(z. B. giroCard in Deutschland), <strong>\u00fcbernational<\/strong> (z. B. SEPA in Europa) und <strong>international<\/strong> (z. B. Visa, Mastercard) und sorgen daf\u00fcr, dass Transaktionen \u00fcberall reibungslos abgewickelt werden k\u00f6nnen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bef8a7a e-flex e-con-boxed e-con e-parent\" data-id=\"bef8a7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb4d8ef e-con-full e-flex e-con e-child\" data-id=\"bb4d8ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5dd1bc elementor-widget elementor-widget-heading\" data-id=\"d5dd1bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Grundlegende Definition und Abgrenzung<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d5247a elementor-widget elementor-widget-text-editor\" data-id=\"8d5247a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Um die Funktionsweise moderner Zahlungssysteme zu verstehen, ist es entscheidend, die grundlegenden Begriffe und Strukturen zu kennen, die hinter einem \u201ePayment Scheme\u201c stehen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76993bf elementor-widget elementor-widget-heading\" data-id=\"76993bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Was umfasst ein Payment Scheme?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f928f8 elementor-widget elementor-widget-text-editor\" data-id=\"6f928f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein Payment Scheme ist weit mehr als nur ein System f\u00fcr Zahlungen. <br \/>Es definiert:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b9d84c e-con-full e-flex e-con e-child\" data-id=\"3b9d84c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-8e8fd07 e-con-full e-flex e-con e-child\" data-id=\"8e8fd07\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-645ccfa elementor-tablet-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"645ccfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Regeln und Richtlinien <\/strong>f\u00fcr die Abwicklung von Zahlungen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Rollen der Teilnehmer <\/strong> wie Banken, H\u00e4ndler und Zahlungsdienstleister<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Technische Anforderungen,<\/strong> z. B. Messaging-Formate und Sicherheitsprotokolle<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Governance-Mechanismen,<\/strong>  um Risiken, Haftung und Compliance zu steuern<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Beispiele aus der Praxis sind <strong>SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD)<\/strong> oder <strong>Kartenschemes<\/strong> wie Visa und Mastercard. Ein Scheme legt fest, <strong>wie eine Transaktion vom Initiator zum Empf\u00e4nger gelangt<\/strong>, ohne dass die Teilnehmer jedes technische Detail selbst definieren m\u00fcssen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f608123 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"f608123\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a81ff0 elementor-widget elementor-widget-image\" data-id=\"8a81ff0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/26580-1.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"26580 (1)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTA0MzEsInVybCI6Imh0dHBzOlwvXC91bmlmaXRzLmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMDdcLzI2NTgwLTEuanBnIn0%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1536\" height=\"1024\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/26580-1-1536x1024.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-10431\" alt=\"Digitale Weltkugel in blau\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/26580-1-1536x1024.jpg 1536w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/26580-1-300x200.jpg 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/26580-1-1024x683.jpg 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/26580-1-768x512.jpg 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/26580-1.jpg 2048w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe3f8af e-flex e-con-boxed e-con e-parent\" data-id=\"fe3f8af\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-49601ce e-con-full e-flex e-con e-child\" data-id=\"49601ce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf7adc1 elementor-widget elementor-widget-image\" data-id=\"bf7adc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/1968-1.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"1968 (1)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTA0MzMsInVybCI6Imh0dHBzOlwvXC91bmlmaXRzLmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNVwvMDdcLzE5NjgtMS5qcGcifQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1536\" height=\"987\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/1968-1-1536x987.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-10433\" alt=\"Digitale Weltkarte in blau\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/1968-1-1536x987.jpg 1536w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/1968-1-300x193.jpg 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/1968-1-1024x658.jpg 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/1968-1-768x494.jpg 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/1968-1.jpg 2048w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02b3d7e e-con-full e-flex e-con e-child\" data-id=\"02b3d7e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf3952 elementor-widget elementor-widget-heading\" data-id=\"2bf3952\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Vergleich<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b207133 elementor-widget elementor-widget-heading\" data-id=\"b207133\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Payment Scheme vs Payment System vs Infrastruktur vs Payment Rail <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab792dc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ab792dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hier lohnt sich eine klare Abgrenzung:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Payment Scheme: <\/strong> Das Regelwerk und die Standards, die den Zahlungsverkehr erm\u00f6glichen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Payment System: <\/strong> Die Plattform, \u00fcber die Zahlungen tats\u00e4chlich abgewickelt werden<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Infrastruktur:<\/strong> Physische oder digitale Netzwerke, z. B. Clearingstellen oder Banken-Netzwerke<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Payment Rail: <\/strong> Der konkret genutzte end-to-end Pfad, auf dem eine Zahlung l\u00e4uft (u. a. mit Scheme, System, Infrastruktur)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb6c5ec elementor-widget elementor-widget-text-editor\" data-id=\"fb6c5ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Ein einfaches Beispiel: <\/strong><\/p><p>SEPA SCT ist ein Scheme \u2013 es definiert Regeln. EBA STEP2 ist das System, \u00fcber das die Zahlungen verarbeitet werden. Als Infrastruktur wird u. a. SWIFTNet FileAct verwendet. Als Rail werden Scheme, System und Infrastruktur zusammengefasst im Sinne von \u201eSEPA-Rail via STEP2\u201c.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2874c7a e-flex e-con-boxed e-con e-parent\" data-id=\"2874c7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-61a0fe8 e-con-full e-flex e-con e-child\" data-id=\"61a0fe8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6689a37 elementor-widget elementor-widget-heading\" data-id=\"6689a37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">HIstorie<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e30e035 elementor-widget elementor-widget-heading\" data-id=\"e30e035\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Historische Entwicklung von Payment Schemes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-241ad14 elementor-widget elementor-widget-text-editor\" data-id=\"241ad14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Die ersten Payment Schemes entstanden in den 1960er-Jahren mit der Einf\u00fchrung von Kreditkarten. Visa und Mastercard entwickelten weltweit g\u00fcltige Regelwerke, die H\u00e4ndler und Banken verbanden. In Europa wurde 2014 der <strong>SEPA-Raum<\/strong> eingef\u00fchrt, um \u00dcberweisungen und Lastschriften in allen teilnehmenden L\u00e4ndern einheitlich zu gestalten. Mit Echtzeit-Schemes wie <strong>SCT Inst<\/strong> und Systemen wie <strong>EBA RT1<\/strong> oder <strong>TIPS<\/strong> begann eine neue \u00c4ra: Zahlungen erfolgen nun in Sekunden statt Tagen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58cd6c1 e-flex e-con-boxed e-con e-parent\" data-id=\"58cd6c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-abe8c66 e-con-full e-flex e-con e-child\" data-id=\"abe8c66\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4744ffe elementor-widget elementor-widget-heading\" data-id=\"4744ffe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00dcbersicht der Arten von Payment Schemes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d88ccad elementor-widget elementor-widget-text-editor\" data-id=\"d88ccad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Payment Schemes lassen sich in verschiedene Kategorien unterteilen, je nachdem, wie Zahlungen initiiert, verarbeitet und abgewickelt werden \u2013 von Kartenzahlungen bis hin zu Echtzeit\u00fcberweisungen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f42ad7 elementor-widget elementor-widget-heading\" data-id=\"7f42ad7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kartenschemes\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a4feb2 elementor-widget elementor-widget-text-editor\" data-id=\"6a4feb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kartenschemes wie <strong>Visa, Mastercard<\/strong> oder <strong>American Express<\/strong> legen fest, wie Kartenzahlungen weltweit ablaufen. Sie regeln Autorisierung, Clearing- und Settlement-Prozesse, Sicherheitsstandards wie <strong>3D-Secure<\/strong> sowie die Rollen von <strong>Issuer<\/strong> und <strong>Acquirer<\/strong>.<\/p><p><br \/><strong>Beispiel:<\/strong> Bezahlt ein Kunde in Deutschland mit Mastercard bei einem Online-H\u00e4ndler in Spanien, sorgt das Scheme daf\u00fcr, dass Regeln, Sicherheit und Settlement international funktionieren.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-baf3eb3 elementor-widget elementor-widget-heading\" data-id=\"baf3eb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00dcberweisungs- und Lastschrift-Schemes\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-266a670 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"266a670\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>SEPA Credit Transfer (SCT): <\/strong> Einheitliche \u00dcberweisungen innerhalb Europas<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>SEPA Direct Debit (SDD): <\/strong>Lastschriftverfahren f\u00fcr wiederkehrende Zahlungen in Europa<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Direct Debit au\u00dferhalb SEPA: <\/strong>z. B. BACS Direct Debit in Gro\u00dfbritannien, Autogiro in Schweden und Nz Direct Debit in Neuseeland<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Die Direct Debit Schemes garantieren, dass ein Creditor (Gl\u00e4ubiger) regelm\u00e4\u00dfig und automatisiert Zahlungen einziehen kann \u2013 ein Verfahren, das besonders bei Abonnements oder Energieversorgern unverzichtbar ist.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c82039c elementor-widget elementor-widget-heading\" data-id=\"c82039c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Echtzeit-Payments &amp; Instant Schemes\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac56db2 elementor-widget elementor-widget-text-editor\" data-id=\"ac56db2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Immer mehr Schemes erlauben <strong>Zahlungen in Echtzeit<\/strong>, z. B.:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be6689f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"be6689f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>TIPS (TARGET Instant Payment Settlement) in Europa<\/strong><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>FPS (Faster Payments Service) in UK<\/strong><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>UPI (Unified Payments Interface) in Indien <\/strong>als globaler Vorreiter im mobilen Payment<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sie bieten gro\u00dfe Vorteile: sofortige Liquidit\u00e4t, bessere Kundenerfahrung und neue Gesch\u00e4ftsmodelle.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eefacf8 e-flex e-con-boxed e-con e-parent\" data-id=\"eefacf8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-845600c e-con-full e-flex e-con e-child\" data-id=\"845600c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1135ed5 elementor-widget elementor-widget-image\" data-id=\"1135ed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"448\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/laptop-with-digital-connection-points_small_compressed-1024x573.png\" class=\"attachment-large size-large wp-image-10536\" alt=\"laptop-with-digital-connection-points_small_compressed\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/laptop-with-digital-connection-points_small_compressed-1024x573.png 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/laptop-with-digital-connection-points_small_compressed-300x168.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/laptop-with-digital-connection-points_small_compressed-768x430.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/laptop-with-digital-connection-points_small_compressed-1536x860.png 1536w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/laptop-with-digital-connection-points_small_compressed.png 2000w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0fb94d8 e-con-full e-flex e-con e-child\" data-id=\"0fb94d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e90ab01 elementor-widget elementor-widget-heading\" data-id=\"e90ab01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Teilnehmer, Governance und Regelwerk in Payment Schemes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c146ae elementor-widget elementor-widget-text-editor\" data-id=\"6c146ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein Payment Scheme funktioniert nur durch das Zusammenspiel klar definierter Rollen, Regeln und technischer Standards, die Stabilit\u00e4t und Vertrauen im Zahlungsverkehr gew\u00e4hrleisten.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbb2058 elementor-widget elementor-widget-heading\" data-id=\"cbb2058\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wer sind die Akteure?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f65dbd8 elementor-widget elementor-widget-text-editor\" data-id=\"f65dbd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Beteiligt sind vor allem <strong>Banken und Kreditinstitute<\/strong> als Initiatoren und Empf\u00e4nger von Zahlungen, <strong>H\u00e4ndler und Unternehmen<\/strong>, die Zahlungen akzeptieren, sowie <strong>Endkunden<\/strong>, die Transaktionen ausf\u00fchren. Die <strong>Scheme-Organisationen<\/strong> steuern das Gesamtsystem, legen Regeln fest und \u00fcberwachen deren Einhaltung. So entsteht ein einheitlicher Zahlungsrahmen, der international funktioniert.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d076b78 e-flex e-con-boxed e-con e-parent\" data-id=\"d076b78\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-503df06 e-con-full e-flex e-con e-child\" data-id=\"503df06\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a765275 elementor-widget elementor-widget-heading\" data-id=\"a765275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verantwortlichkeiten, Haftung &amp; Risiko\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb6bdbb elementor-widget elementor-widget-text-editor\" data-id=\"fb6bdbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein Payment Scheme legt klar fest, wer bei Fehlern oder Betrugsf\u00e4llen haftet und wie Risiken verteilt werden. So wird geregelt, wer bei einem betr\u00fcgerischen <strong>Direct Debit<\/strong> oder einer fehlerhaften <strong>SEPA Credit Transfer (SCT)<\/strong>-Transaktion die Kosten tr\u00e4gt. Auch f\u00fcr <strong>R\u00fccklastschriften im SEPA-Raum<\/strong> gelten einheitliche Regeln, die Rechtssicherheit, Transparenz und Vertrauen f\u00f6rdern.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe6f941 elementor-widget elementor-widget-heading\" data-id=\"fe6f941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Messaging, Standards &amp; technische Anforderungen\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8718505 elementor-widget elementor-widget-text-editor\" data-id=\"8718505\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein weiteres Kernelement jedes Schemes sind die technischen und prozessualen Vorgaben, die eine reibungslose Kommunikation zwischen allen Beteiligten erm\u00f6glichen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f989fc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9f989fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Besonders wichtig sind hierbei:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>ISO 20022-Richtlinien, <\/strong>die weltweit zur Vereinheitlichung beitragen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Sicherheitsrichtlinien <\/strong>wie Zwei-Faktor-Authentifizierung (PSD2)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Verarbeitungszeiten, <\/strong>die im Scheme verbindlich festgelegt sind<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Gerade die <b>Einf\u00fchrung von ISO 20022<\/b> stellt viele Institute vor gro\u00dfe Herausforderungen. Um sicherzustellen, dass alle Prozesse fehlerfrei laufen und regulatorische Vorgaben erf\u00fcllt sind, unterst\u00fctzt Unifits mit <a href=\"https:\/\/unifits.com\/de\/loesungen-fuer-banken\/test-engine-fuer-banken\/\">ISO 20022-Testing-Tools<\/a>, die den gesamten <b>Migrations- und Qualit\u00e4tssicherungsprozess<\/b> abdecken.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b84d54 e-flex e-con-boxed e-con e-parent\" data-id=\"9b84d54\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d3aef6d e-con-full e-flex e-con e-child\" data-id=\"d3aef6d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8868d08 elementor-widget elementor-widget-heading\" data-id=\"8868d08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Relevanz &amp; Nutzen von Payment Schemes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d83d198 elementor-widget elementor-widget-text-editor\" data-id=\"d83d198\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Payment Schemes bilden das R\u00fcckgrat des modernen Zahlungsverkehrs. Sie schaffen Vertrauen, Effizienz und Kompatibilit\u00e4t zwischen allen Marktteilnehmern.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc0edf0 elementor-widget elementor-widget-heading\" data-id=\"cc0edf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Effizienz, Sicherheit &amp; Interoperabilit\u00e4t<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d9c7d4 elementor-widget elementor-widget-text-editor\" data-id=\"0d9c7d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Payment Schemes sind <strong>unsichtbares Regelwerk<\/strong>, welches jeder von uns t\u00e4glich nutzt. Ob Gehalts\u00fcberweisung, Online-Einkauf oder Abo-Lastschrift \u2013 ohne Schemes w\u00e4re der Zahlungsverkehr nicht m\u00f6glich.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0aaa1b2 e-flex e-con-boxed e-con e-parent\" data-id=\"0aaa1b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-24ea8cf e-con-full e-flex e-con e-child\" data-id=\"24ea8cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13d963a elementor-widget elementor-widget-image\" data-id=\"13d963a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"457\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/businessman-analyzing-stock-market-data_small_compressed-1024x585.png\" class=\"attachment-large size-large wp-image-10534\" alt=\"Ein Gesch\u00e4ftsmann betrachtet konzentriert B\u00f6rsendaten und Diagramme auf einem digitalen Bildschirm oder Tablet, um Finanztrends zu analysieren.\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/businessman-analyzing-stock-market-data_small_compressed-1024x585.png 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/businessman-analyzing-stock-market-data_small_compressed-300x171.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/businessman-analyzing-stock-market-data_small_compressed-768x439.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/businessman-analyzing-stock-market-data_small_compressed-1536x877.png 1536w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/09\/businessman-analyzing-stock-market-data_small_compressed.png 2000w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ca36c8 e-con-full e-flex e-con e-child\" data-id=\"9ca36c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f9bce1 elementor-widget elementor-widget-heading\" data-id=\"9f9bce1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rechtliche &amp; regulatorische Aspekte<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64e4a78 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"64e4a78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Schemes m\u00fcssen gesetzliche Vorgaben erf\u00fcllen (z. B. PSD2, SEPA-Verordnung)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Regeln f\u00fcr <strong>Haftung, Streitbeilegung und Datenschutz<\/strong> sind integriert<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Unterst\u00fctzen <strong>harmonisierte Standards<\/strong> in einem globalen Zahlungsverkehr<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Die Einhaltung dieser <b>rechtlichen und regulatorischen Anforderungen <\/b>stellt Banken und Zahlungsdienstleister regelm\u00e4\u00dfig vor komplexe Aufgaben.    Um diese zuverl\u00e4ssig zu bew\u00e4ltigen, unterst\u00fctzt Unifits mit    <a href=\"https:\/\/unifits.com\/de\/loesungen-fuer-banken\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"font-weight:600;color:#0073aa\">     L\u00f6sungen   <\/a>,    die sicherstellen, dass Systeme jederzeit konform arbeiten und alle Payment Scheme-Vorgaben erf\u00fcllen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edfd8f2 e-flex e-con-boxed e-con e-parent\" data-id=\"edfd8f2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce54a4b elementor-widget elementor-widget-heading\" data-id=\"ce54a4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Sie m\u00f6chten mehr zur Testautomatisierung bei Unifts erfahren?<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f29fa7a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f29fa7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/unifits.com\/de\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Jetzt mit unseren Experten sprechen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-621fbe5 e-flex e-con-boxed e-con e-parent\" data-id=\"621fbe5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5376d04 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"5376d04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Herausforderungen &amp; Zukunftsaussichten<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3446fb6 elementor-widget elementor-widget-text-editor\" data-id=\"3446fb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Die Zahlungslandschaft befindet sich in einem <strong>tiefgreifenden Wandel<\/strong>. Technologische, regulatorische und strategische Faktoren bestimmen die Zukunft moderner Payment Schemes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e7eb66 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"7e7eb66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Technologische &amp; Sicherheits-H\u00fcrden<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85c6ffc elementor-widget elementor-widget-text-editor\" data-id=\"85c6ffc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mit der zunehmenden Digitalisierung steigen auch die Anforderungen an Sicherheit und Systemarchitektur. Der Schutz vor Cyberangriffen und Betrug bleibt eine der gr\u00f6\u00dften Herausforderungen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26f4882 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"26f4882\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Wesentliche Herausforderungen sind dabei:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Cybersecurity:  <\/strong>Schutz sensibler Daten und Systeme vor Angriffen und Manipulation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Integration von Legacy-Systemen: <\/strong> die Einbindung bestehender IT-Infrastrukturen in moderne Schemes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Skalierbarkeit:  <\/strong>die stabile Abwicklung auch bei stark steigenden Transaktionsvolumen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nur wer diese technologischen und sicherheitsrelevanten Anforderungen meistert, kann langfristig zuverl\u00e4ssige und vertrauensw\u00fcrdige Zahlungsprozesse gew\u00e4hrleisten.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2dbbb0 e-flex e-con-boxed e-con e-parent\" data-id=\"c2dbbb0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3cb15b0 e-con-full e-flex e-con e-child\" data-id=\"3cb15b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bd67da elementor-widget elementor-widget-heading\" data-id=\"1bd67da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Regulatorische Entwicklungen \/ Harmonisierung<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af775d0 elementor-widget elementor-widget-text-editor\" data-id=\"af775d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Regulatorische Vorgaben in Europa und weltweit <strong>pr\u00e4gen die Entwicklung von Payment Schemes<\/strong> entscheidend. Die EU f\u00f6rdert die Harmonisierung, um Innovationen zu st\u00e4rken und grenz\u00fcberschreitende Zahlungen zu vereinheitlichen. Vorgaben zu <strong>Open Banking<\/strong> und <strong>Echtzeit-Zahlungen<\/strong> sowie internationale Regeln f\u00fcr <strong>Cross-Border Payments<\/strong> <strong>erh\u00f6hen Effizienz<\/strong>, schaffen einheitliche Rahmenbedingungen und erh\u00f6hen gleichzeitig den Anpassungsdruck auf Banken und FinTechs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f09a7cd e-con-full e-flex e-con e-child\" data-id=\"f09a7cd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f70df1 elementor-widget elementor-widget-heading\" data-id=\"2f70df1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trends: Open Banking, real-time settlement, digitale W\u00e4hrungen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3a528a elementor-widget elementor-widget-text-editor\" data-id=\"d3a528a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Zukunftsweisende Trends treiben den Wandel weiter voran:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05b557f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"05b557f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Open Banking  <\/strong>erm\u00f6glicht Drittanbietern \u00fcber APIs den sicheren Zugriff auf Kontodaten und Transaktionen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Real-Time Settlement<\/strong> erlaubt die Verbuchung von Zahlungen in Sekunden in Zentralbankgeld.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Digitale W\u00e4hrungen (CBDCs) <\/strong>k\u00f6nnten neue Schemes und Interoperabilit\u00e4tsstandards erforderlich machen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Diese Entwicklungen markieren den \u00dcbergang zu einer offenen, vernetzten und hochgradig digitalen Zahlungswelt.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-778fd8bd e-flex e-con-boxed e-con e-parent\" data-id=\"778fd8bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a142f25 elementor-widget elementor-widget-heading\" data-id=\"2a142f25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">H\u00e4ufig gestellte Fragen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50c394f6 e-con-full e-flex e-con e-child\" data-id=\"50c394f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-18b732b e-con-full e-flex e-con e-child\" data-id=\"18b732b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-674ce6e4 elementor-widget elementor-widget-jet-accordion\" data-id=\"674ce6e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:true,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingTablet&quot;:false,&quot;switchScrollingMobile&quot;:false,&quot;switchScrollingOffset&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetTablet&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetMobile&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingDelay&quot;:500,&quot;switchScrollingDelayTablet&quot;:500,&quot;switchScrollingDelayMobile&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1731\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1731\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Ist ein Payment Scheme das <strong>gleiche wie ein Zahlungssystem?<\/strong><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1731\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Nein. Ein Payment Scheme ist das Regelwerk, ein Zahlungssystem die technische Plattform.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1732\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1732\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Welche bekannten Payment Schemes gibt es in <strong>Europa?<\/strong><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1732\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant Credit Transfer, Visa, Mastercard.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1733\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1733\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\"><strong>Warum<\/strong> braucht man \u00fcberhaupt Payment Schemes?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1733\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Sie stellen sicher, dass Zahlungen sicher, effizient und nach einheitlichen Regeln ablaufen.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a8438be e-con-full e-flex e-con e-child\" data-id=\"1a8438be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc022c0 elementor-widget elementor-widget-jet-accordion\" data-id=\"6bc022c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:true,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingTablet&quot;:false,&quot;switchScrollingMobile&quot;:false,&quot;switchScrollingOffset&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetTablet&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetMobile&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingDelay&quot;:500,&quot;switchScrollingDelayTablet&quot;:500,&quot;switchScrollingDelayMobile&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1801\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1801\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\"><strong>Wie unterscheiden<\/strong> sich SEPA Credit Transfer und SEPA Direct Debit?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1801\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>SCT ist eine \u00dcberweisung, SDD eine Lastschrift.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1802\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1802\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Werden <strong>Kryptow\u00e4hrungen<\/strong> Teil von Payment Schemes sein?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1802\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Ja, voraussichtlich in Zukunft \u2013 entweder durch Integration in bestehende Schemes oder durch neue, speziell f\u00fcr digitale W\u00e4hrungen geschaffene Regelwerke.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4324185 e-flex e-con-boxed e-con e-parent\" data-id=\"4324185\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f2025aa e-con-full e-flex e-con e-child\" data-id=\"f2025aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c88a01 elementor-widget elementor-widget-heading\" data-id=\"9c88a01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fazit zur Definition von Payment Schemes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52fe074 elementor-widget elementor-widget-text-editor\" data-id=\"52fe074\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein <strong>Payment Scheme<\/strong> ist das Herzst\u00fcck moderner Zahlungsverkehrssysteme. Es legt Regeln, Abl\u00e4ufe und Richtlinien fest, die Banken, H\u00e4ndler und Endkunden f\u00fcr eine sichere und effiziente Abwicklung von Zahlungen brauchen. Mit zunehmender Digitalisierung, Echtzeit-Zahlungen und Open-Banking-Anwendungen gewinnen Payment Schemes weiter an Bedeutung.<\/p><p>F\u00fcr Unternehmen und Finanzdienstleister ist es entscheidend, <strong>die Funktionsweise und Regelwerke von Payment Schemes zu verstehen<\/strong>, um die Effizienz ihrer Zahlungsprozesse zu optimieren und regulatorische Anforderungen zu erf\u00fcllen.<\/p><p>Bei <strong>Unifits<\/strong> unterst\u00fctzen wir Unternehmen dabei, Payment-L\u00f6sungen nahtlos zu integrieren, Transaktionen zu optimieren und die Vorteile moderner Payment Schemes voll auszusch\u00f6pfen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2257078 e-con-full e-flex e-con e-child\" data-id=\"2257078\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb7f46d elementor-widget elementor-widget-image\" data-id=\"bb7f46d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"914\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/worldunifits-1-1-896x1024.png\" class=\"attachment-large size-large wp-image-10435\" alt=\"\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/worldunifits-1-1-896x1024.png 896w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/worldunifits-1-1-263x300.png 263w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/worldunifits-1-1-768x878.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/worldunifits-1-1-1344x1536.png 1344w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/worldunifits-1-1-1792x2048.png 1792w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/07\/worldunifits-1-1.png 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a7dcfd e-flex e-con-boxed e-con e-parent\" data-id=\"9a7dcfd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-65b0b3d e-con-full e-flex e-con e-child\" data-id=\"65b0b3d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-ced5f06 e-con-full eop-card e-flex e-con e-child\" data-id=\"ced5f06\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42c867d elementor-widget elementor-widget-image\" data-id=\"42c867d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"2048\" height=\"1152\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-2048x1152.png\" class=\"attachment-2048x2048 size-2048x2048 wp-image-8652\" alt=\"\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-2048x1152.png 2048w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-300x169.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-1024x576.png 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-768x432.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-1536x864.png 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff3cf4e e-con-full e-flex e-con e-child\" data-id=\"ff3cf4e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4e2d3be e-con-full e-flex e-con e-child\" data-id=\"4e2d3be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b2e051 eop-card-h elementor-widget elementor-widget-text-editor\" data-id=\"3b2e051\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u00f6sungen f\u00fcr Finanzmarktinfrastrukturen<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c64eff6 elementor-widget elementor-widget-text-editor\" data-id=\"c64eff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Zentrale Infrastrukturen und ihre Teilnehmer brauchen eine branchenweite L\u00f6sung, die von Anfang an <strong>strukturiertes, skalbierbares Testing<\/strong> erm\u00f6glicht. So lassen sich Risiken minimieren und die Readiness im gesamten \u00d6kosystem gezielt beschleunigen.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de594e4 elementor-widget elementor-widget-button\" data-id=\"de594e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/unifits.com\/de\/loesungen-fuer-fmi\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hier klicken<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-319b225 e-con-full e-flex e-con e-child\" data-id=\"319b225\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-cbbf144 e-con-full eop-card e-flex e-con e-child\" data-id=\"cbbf144\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39b1778 elementor-widget elementor-widget-image\" data-id=\"39b1778\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"2048\" height=\"1152\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-2048x1152.png\" class=\"attachment-2048x2048 size-2048x2048 wp-image-8291\" alt=\"\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-2048x1152.png 2048w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-300x169.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-1024x576.png 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-768x432.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-1536x864.png 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b973769 e-con-full e-flex e-con e-child\" data-id=\"b973769\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-e545a8c e-con-full e-flex e-con e-child\" data-id=\"e545a8c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6179f5 eop-card-h elementor-widget elementor-widget-text-editor\" data-id=\"f6179f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u00f6sungen f\u00fcr Banken<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c61ec9a elementor-widget elementor-widget-text-editor\" data-id=\"c61ec9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Neue Ma\u00dfst\u00e4be in der Qualit\u00e4tssicherung im Zahlungsverkehr. <strong>Automatisierte, standardisierte Tests<\/strong> und ein kontinuierlich aktualisiertes Regelwerk gew\u00e4hrleisten maximale Effizienz und h\u00f6chste Testqualit\u00e4t.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f549bd8 elementor-widget elementor-widget-button\" data-id=\"f549bd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/unifits.com\/de\/loesungen-fuer-banken\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hier Klicken<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Ob Kartenzahlung im Supermarkt, SEPA-\u00dcberweisung oder Lastschrift f\u00fcrs Abo \u2013 hinter all diesen Transaktionen steckt ein Payment Scheme. Doch was verbirgt sich genau dahinter? In diesem Artikel erhalten Sie eine leicht verst\u00e4ndliche Erkl\u00e4rung, spannende Praxisbeispiele und einen \u00dcberblick, warum Payment Schemes das R\u00fcckgrat des modernen Zahlungsverkehrs sind. Das Wichtigste zusammengefasst Was ist ein Payment Scheme [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10536,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-10671","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel"],"_links":{"self":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10671","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/comments?post=10671"}],"version-history":[{"count":12,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10671\/revisions"}],"predecessor-version":[{"id":10726,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10671\/revisions\/10726"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/media\/10536"}],"wp:attachment":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/media?parent=10671"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/categories?post=10671"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/tags?post=10671"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}