{"id":10790,"date":"2026-01-16T14:42:55","date_gmt":"2026-01-16T13:42:55","guid":{"rendered":"https:\/\/unifits.com\/?p=10790"},"modified":"2026-01-21T17:35:08","modified_gmt":"2026-01-21T16:35:08","slug":"payment-schemes","status":"publish","type":"post","link":"https:\/\/unifits.com\/de\/news\/payment-schemes\/","title":{"rendered":"Payment Schemes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10790\" class=\"elementor elementor-10790\" 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>Payment Schemes sind das unsichtbare R\u00fcckgrat unseres Zahlungsverkehrs. Sie sorgen daf\u00fcr, dass <strong>Geld zuverl\u00e4ssig, schnell und sicher von einem Konto zum anderen<\/strong> gelangt. Ob Sie gerade Ihre erste Online-Zahlung t\u00e4tigen oder in einer Bank- oder FinTech-Umgebung arbeiten, <strong>Payment Schemes bestimmen, wie Zahlungen ablaufen<\/strong>. In diesem Artikel erfahren Sie, was Payment Schemes sind, welche Arten es gibt und wie sie funktionieren \u2013 von SEPA Credit Transfer (SCT) bis Visa.<\/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 sind 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-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>Payment Schemes sind <strong>standardisierte Regelwerke<\/strong>, die festlegen, wie Zahlungen zwischen Banken und Zahlungsdienstleistern verarbeitet werden. Sie sorgen f\u00fcr klare Abl\u00e4ufe, einheitliche Formate und sichere Transaktionen. (<em>Mehr dazu im Artikel <\/em><a href=\"https:\/\/unifits.com\/de\/news\/payment-scheme-definition\/\"><em>Payment Schemes Definition<\/em><\/a>)<\/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 gew\u00e4hrleisten <strong>Sicherheit, Interoperabilit\u00e4t und Verl\u00e4sslichkeit<\/strong> im Zahlungsverkehr. Einheitliche Standards stellen sicher, dass Zahlungen weltweit schnell und korrekt ausgef\u00fchrt werden k\u00f6nnen.<\/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=\"1366\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/11\/glasses-office-desktop-with-papers.jpg\" class=\"attachment-full size-full wp-image-10682\" alt=\"\" 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stroke-width=\"5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n  <path d=\"M22.4785 81.7391L31.4567 72.7949\" stroke=\"#3064F5\" stroke-width=\"5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n  <path d=\"M16.9863 95.2979L22.1608 100.459\" stroke=\"#3064F5\" stroke-width=\"5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n  <path d=\"M22.4004 100.414L31.3672 91.458\" stroke=\"#3064F5\" stroke-width=\"5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\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\">Zu den bekanntesten geh\u00f6ren <strong>SEPA<\/strong> (Credit Transfer, Direct Debit, Instant) sowie Kartensysteme wie <strong>Visa, Mastercard oder Girocard.<\/strong><\/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 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 <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\">Beteiligt sind <strong>Banken, Zahlungsdienstleister, Clearingh\u00e4user und Regulierungsinstitutionen<\/strong>. Gemeinsam stellen sie sicher, dass Zahlungen regelkonform und effizient abgewickelt werden.<\/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 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29.9205 22.8379C29.0596 22.5406 28.596 21.5959 28.8941 20.7371C28.9404 20.605 28.9735 20.42 28.9934 20.1756C29.2715 17.031 28.2053 14.1837 25.9801 12.1556C23.6954 10.068 20.4835 9.09687 17.6093 9.60555C14.6755 10.1274 12.159 11.9243 10.7086 14.5338C9.29141 17.0838 9.07286 20.0566 10.1258 22.6793C10.1325 22.7057 10.1457 22.7322 10.1523 22.752C10.6225 24.1129 11.4503 25.3416 12.5563 26.3194L12.6225 26.3788C12.702 26.4449 12.808 26.544 12.8477 26.5704C13.6159 27.0527 13.8676 28.07 13.3907 28.843C13.0795 29.3516 12.5364 29.6357 11.9801 29.6357H11.9934Z\" fill=\"#3064F5\"><\/path>\n  <\/g>\n  <defs>\n    <clipPath id=\"clip0_21_10323\">\n      <rect width=\"67\" height=\"78\" fill=\"white\"><\/rect>\n    <\/clipPath>\n  <\/defs>\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\">Je nach Ausrichtung gelten Payment Schemes <strong>regional oder global<\/strong>. W\u00e4hrend <strong>SEPA<\/strong> den europ\u00e4ischen Zahlungsraum abdeckt, agieren <strong>Visa und Mastercard<\/strong> weltweit und erm\u00f6glichen grenz\u00fcberschreitende Zahlungen \u00fcber nationale Grenzen und W\u00e4hrungen hinweg.<\/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-757e86f e-flex e-con-boxed e-con e-parent\" data-id=\"757e86f\" 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-7cc5194 e-con-full e-flex e-con e-child\" data-id=\"7cc5194\" 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-71721cf elementor-widget elementor-widget-heading\" data-id=\"71721cf\" 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 Aufbau eines 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-31a1047 elementor-widget elementor-widget-text-editor\" data-id=\"31a1047\" 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 <strong>legen die Regeln fest<\/strong>, nach denen Zahlungen zwischen Banken und Zahlungsdienstleistern abgewickelt werden. Sie sorgen f\u00fcr <strong>standardisierte Abl\u00e4ufe, Sicherheit<\/strong> und <strong>Interoperabilit\u00e4t im Zahlungsverkehr<\/strong>. Dazu geh\u00f6ren Vorgaben zu Prozessen, Datenformaten, Sicherheitsstandards und Compliance, die einen stabilen und grenz\u00fcberschreitenden Zahlungsverkehr 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-bdb2e3f elementor-widget elementor-widget-heading\" data-id=\"bdb2e3f\" 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 regelt 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-e06980a elementor-widget elementor-widget-text-editor\" data-id=\"e06980a\" 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 <strong>definiert den Ablauf einer Zahlung<\/strong> von der Ausl\u00f6sung bis zur Abrechnung. Es legt Sicherheitsanforderungen, Datenformate wie <a href=\"https:\/\/unifits.com\/de\/news\/iso-20022-was-ist-das\/\">ISO 20022<\/a> sowie <strong>Teilnahmebedingungen f\u00fcr Banken und Zahlungsdienstleister<\/strong> fest. Auch Regelungen zu R\u00fcckbuchungen, Streitf\u00e4llen und Compliance sind Bestandteil des 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-5b5ad40 elementor-widget elementor-widget-heading\" data-id=\"5b5ad40\" 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\">Unterschied zwischen Zahlungssystem (Payment System) und Zahlungsschema (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-e994caa elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e994caa\" 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\">Obwohl beide Begriffe eng miteinander verbunden sind, beschreiben sie unterschiedliche Aspekte des Zahlungsverkehrs. <\/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>Zahlungssystem: <\/strong> Die technische Infrastruktur f\u00fcr die Abwicklung von Zahlungen, z.\u202fB. RTGS-Netzwerke wie TARGET2.<\/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>Zahlungsschema: <\/strong>Das Regelwerk, das Abl\u00e4ufe, Rechte und Pflichten der Teilnehmer festlegt, z.B. SEPA Credit Transfer (SCT)<\/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-0ae9649 elementor-widget elementor-widget-heading\" data-id=\"0ae9649\" 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\">Technische Infrastruktur vs. regulatorische Anforderungen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e39308d elementor-widget elementor-widget-text-editor\" data-id=\"e39308d\" 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 Systems stellen die technische Basis f\u00fcr Clearing und Settlement bereit. Payment Schemes definieren die fachlichen und regulatorischen Regeln, die in diesen Systemen umgesetzt werden. Dazu z\u00e4hlen Anforderungen an Schnittstellen, Sicherheit, Compliance und Tests, etwa \u00fcber Sandbox-Umgebungen.<\/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-421bf9e elementor-widget elementor-widget-heading\" data-id=\"421bf9e\" 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\">Zugangskriterien f\u00fcr Banken und Anbieter<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3f148b elementor-widget elementor-widget-text-editor\" data-id=\"f3f148b\" 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>Damit Banken und Zahlungsdienstleister an einem Payment Scheme teilnehmen k\u00f6nnen, m\u00fcssen sie <strong>bestimmte Voraussetzungen erf\u00fcllen<\/strong>. Dazu geh\u00f6ren unter anderem:<\/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-f541b68 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f541b68\" 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>Regulatorische Zulassung<\/strong>: Die Institution muss h\u00e4ufig offiziell f\u00fcr den Zahlungsverkehr zugelassen sein.<\/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>Technische Schnittstellen gem\u00e4\u00df Standardvorgaben: <\/strong>Alle beteiligten Systeme m\u00fcssen kompatibel mit den technischen Anforderungen des Schemes sein.<\/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>Erf\u00fcllung von Compliance- und Reporting-Anforderungen: <\/strong>H\u00e4ufig sind strikte Vorgaben zu Compliance und Reportiu befolgen, um die Sicherheit und Transparenz der Transng zaktionen zu 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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90c8528 e-flex e-con-boxed e-con e-parent\" data-id=\"90c8528\" 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-13d452c e-con-full e-flex e-con e-child\" data-id=\"13d452c\" 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-2d68835 elementor-widget elementor-widget-image\" data-id=\"2d68835\" 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-35e27c1 e-con-full e-flex e-con e-child\" data-id=\"35e27c1\" 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-31ec8c5 elementor-widget elementor-widget-heading\" data-id=\"31ec8c5\" 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\">Typen 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-ceacbd9 elementor-widget elementor-widget-text-editor\" data-id=\"ceacbd9\" 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 nach <strong>Struktur, Teilnehmern<\/strong> und <strong>Anwendungsbereich<\/strong> unterscheiden. Sie reichen von klassischen Kartennetzwerken \u00fcber \u00dcberweisungssysteme bis hin zu modernen Echtzeit- und digitalen Zahlungsl\u00f6sungen:<\/p><ul><li><strong>Drei-Parteien-Schemes <\/strong><br \/>wie American Express b\u00fcndeln Karteninhaber, H\u00e4ndler und Scheme-Anbieter in einem System. Der Anbieter \u00fcbernimmt dabei auch die Bankrolle, was <strong>Prozesse vereinfacht<\/strong>, jedoch die Interoperabilit\u00e4t einschr\u00e4nken kann.<\/li><\/ul><ul><li><strong>Vier-Parteien-Schemes<\/strong><br \/>wie Visa oder Mastercard bestehen aus Karteninhaber, H\u00e4ndler, kartenausgebender Bank und H\u00e4ndlerbank. Diese Struktur bietet <strong>hohe Flexibilit\u00e4t<\/strong> und erm\u00f6glicht <strong>internationale Akzeptanz<\/strong><\/li><li><a href=\"\/de\/news\/faster-payment\/\"><strong>Echtzeit-Payments<\/strong><\/a><br \/>wie SEPA Instant (SCT Inst) erlauben <strong>\u00dcberweisungen in Sekunden<\/strong>, rund um die Uhr, auf Basis standardisierter Messaging-Formate.<\/li><li><strong>Regionale und internationale Schemes<\/strong><br \/>bedienen entweder einzelne L\u00e4nder oder erm\u00f6glichen <strong>grenz\u00fcberschreitende Zahlungen<\/strong> \u00fcber <strong>verschiedene W\u00e4hrungen<\/strong><\/li><li><strong>Mobile Wallets und digitale Schemes<\/strong><br \/>wie Apple Pay oder Google Pay bauen auf bestehenden Karten- und Bankensystemen auf und erweitern diese um Funktionen wie Tokenisierung und <strong>starke Kundenauthentifizierung<\/strong>.<\/li><\/ul><p>Diese Typen zeigen, wie Payment Schemes unterschiedliche Anforderungen von nationalen Zahlungen bis hin zu globalen Zahlungsprozessen abdecken.<\/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-827d3c2 e-flex e-con-boxed e-con e-parent\" data-id=\"827d3c2\" 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-3c3251c elementor-widget elementor-widget-heading\" data-id=\"3c3251c\" 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\">Wie funktionieren Payment Schemes technisch?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-890c006 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"890c006\" 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 definieren die Regeln und Prozesse f\u00fcr die technische Zahlungsabwicklung, etwa zu Autorisierung, Clearing, Settlement, Datenformaten, Sicherheit und Haftung. Die konkrete Umsetzung erfolgt durch das jeweilige Payment System und die zugrunde liegende Infrastruktur.<\/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-9549588 elementor-widget elementor-widget-heading\" data-id=\"9549588\" 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\">Ablauf einer Kartenzahlung im Scheme<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-431f754 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"431f754\" 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 Schritt-f\u00fcr-Schritt-Ablauf einer typischen Kartenzahlung im Scheme:<\/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-a4d7682 e-con-full e-flex e-con e-child\" data-id=\"a4d7682\" 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-18a9a06 e-con-full e-flex e-con e-child\" data-id=\"18a9a06\" 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-673203b elementor-widget elementor-widget-jet-inline-svg\" data-id=\"673203b\" 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 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y2=\"94.3\"><\/line>\n\t<\/g>\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-ddf5154 e-con-full e-flex e-con e-child\" data-id=\"ddf5154\" 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-ab671c2 elementor-widget elementor-widget-heading\" data-id=\"ab671c2\" 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\"><b>1. Zahlungsausl\u00f6sung durch Karteninhaber<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59980e5 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=\"59980e5\" 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\">Der Kunde initiiert die Zahlung am POS oder online.<\/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-e27cc42 e-con-full e-flex e-con e-child\" data-id=\"e27cc42\" 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r=\"5.3\"><\/circle>\n\t<circle class=\"st4\" cx=\"63.4\" cy=\"123\" r=\"5.3\"><\/circle>\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-0a5aafc e-con-full e-flex e-con e-child\" data-id=\"0a5aafc\" 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-27dd0fd elementor-widget elementor-widget-heading\" data-id=\"27dd0fd\" 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\"><b>2.\tAutorisierungsanfrage \u00fcber das Scheme\u200b\u200b<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff870da 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=\"ff870da\" 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\">Das Zahlungssystem pr\u00fcft, ob die Karte g\u00fcltig ist und die Mittel verf\u00fcgbar sind.<\/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-a16e78f e-con-full e-flex e-con e-child\" data-id=\"a16e78f\" 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-725f7a5 e-con-full e-flex 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elementor-element-27c3b20 elementor-widget elementor-widget-heading\" data-id=\"27c3b20\" 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\"><b>3. Entscheidung der kartenausgebenden Bank<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10d748e 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=\"10d748e\" 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\">Die Bank autorisiert oder lehnt die Transaktion ab.<\/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-c9be41f e-con-full e-flex e-con e-child\" data-id=\"c9be41f\" data-element_type=\"container\" 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y2=\"124.9\"><\/line>\n\t<line class=\"st0\" x1=\"140.4\" y1=\"111\" x2=\"126.6\" y2=\"111\"><\/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-2299207 e-con-full e-flex e-con e-child\" data-id=\"2299207\" 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-12fbe61 elementor-widget elementor-widget-heading\" data-id=\"12fbe61\" 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\"><b>4. Clearing der Transaktionsdaten<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b4d03 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=\"28b4d03\" 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\">Alle Zahlungsinformationen werden zwischen den Banken und dem Scheme ausgetauscht und aggregiert.<\/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-56ff06d e-con-full e-flex e-con e-child\" 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M96.4,69.4c-0.2,0-0.3,0-0.5,0\"><\/path>\n\t<circle id=\"eye_00000106113052717078317650000011710242937835274677_\" class=\"st27\" cx=\"54.5\" cy=\"104.9\" r=\"3.2\"><\/circle>\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-a617c50 e-con-full e-flex e-con e-child\" data-id=\"a617c50\" 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-1a6b9b5 elementor-widget elementor-widget-heading\" data-id=\"1a6b9b5\" 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\"><b>5. Settlement der Betr\u00e4ge<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4b6e4f 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=\"c4b6e4f\" 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\">Die tats\u00e4chliche Wert\u00fcbertragung zwischen den Banken erfolgt.<\/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-b6f486d e-con-full e-flex e-con e-child\" data-id=\"b6f486d\" 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y2=\"74.1\"><\/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-adcca47 e-con-full e-flex e-con e-child\" data-id=\"adcca47\" 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-1eeb9eb elementor-widget elementor-widget-heading\" data-id=\"1eeb9eb\" 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\"><b>6. Buchung &amp; Reconciliation<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72d485a 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=\"72d485a\" 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\">Die Transaktionen werden in den Konten der Teilnehmer verbucht und abgeglichen.<\/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-13b0135 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"13b0135\" 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>Dieser Ablauf zeigt die enge Verzahnung von Scheme-Regeln und technischer Infrastruktur.<\/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>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa73592 e-flex e-con-boxed e-con e-parent\" data-id=\"fa73592\" 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-add425c e-con-full e-flex e-con e-child\" data-id=\"add425c\" 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-a4906cd elementor-widget elementor-widget-heading\" data-id=\"a4906cd\" 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\">Datenformate und Clearing-Prozesse<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bec5fac elementor-widget elementor-widget-text-editor\" data-id=\"bec5fac\" 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 definieren klare Standards f\u00fcr die Daten, die im Zahlungsverkehr \u00fcbertragen werden.<\/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-21de127 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"21de127\" 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>Trennung Clearing vs. Settlement<\/strong><br>Clearing beschreibt den Austausch und die Pr\u00fcfung der Zahlungsdaten; Settlement ist die tats\u00e4chliche Wert\u00fcbertragung zwischen den Konten.<\/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>Rollen-Zuordnung<\/strong><br> Die kartenausgebende Bank autorisiert, die H\u00e4ndlerbank empf\u00e4ngt die Zahlung, Clearingh\u00e4user verarbeiten die Daten, und das Scheme \u00fcberwacht die Einhaltung der Regeln.<\/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<\/strong><br> Der Standard sorgt f\u00fcr einheitliche Datenformate, die scheme-\u00fcbergreifend kompatibel sind. Er wird f\u00fcr Nachrichten \u00fcber \u00dcberweisungen, Lastschriften oder Kreditkartentransaktionen genutzt, reduziert Fehler und erleichtert Automatisierung.<\/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-b988dc1 elementor-widget elementor-widget-text-editor\" data-id=\"b988dc1\" 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\tISO\u202f20022 ist besonders f\u00fcr Echtzeitzahlungen und internationale Transaktionen relevant, da er Interoperabilit\u00e4t und Automatisierung unterst\u00fctzt.<br><br>\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-059cbb0 elementor-widget elementor-widget-heading\" data-id=\"059cbb0\" 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\">Regelwerke und technische Standards\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcb1b7f elementor-widget elementor-widget-text-editor\" data-id=\"dcb1b7f\" 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 Kombination aus regulatorischen Vorgaben und technischen Standards sorgt daf\u00fcr, dass alle Teilnehmer eines Schemes konsistente, sichere und \u00fcberpr\u00fcfbare Zahlungen abwickeln k\u00f6nnen. Folgende Regeln\/Standards finden hier Anwendung:<\/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-6704897 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6704897\" 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>Verpflichtende Regeln <\/strong><br> z.\u202fB. Sicherheitsanforderungen, Datenformate, Autorisierungsprozesse, Clearing- und Settlementpflichten<\/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>Optionale Regeln <\/strong><br> z.\u202fB. Zusatzservices, Reporting-Funktionen, Boni f\u00fcr H\u00e4ndler<\/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>Technische Standards <\/strong><br> PCI DSS f\u00fcr Kartensicherheit, 3-D Secure f\u00fcr Authentifizierung, ISO 20022 f\u00fcr Nachrichtenformate<\/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-4ddb049 e-flex e-con-boxed e-con e-parent\" data-id=\"4ddb049\" 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>Kontaktieren Sie unsere Experten<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73ed6cb elementor-align-center elementor-widget elementor-widget-button\" data-id=\"73ed6cb\" 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 Beratung anfordern<\/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-73cf5e6 e-flex e-con-boxed e-con e-parent\" data-id=\"73cf5e6\" 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-2f0131a e-con-full e-flex e-con e-child\" data-id=\"2f0131a\" 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-7a10acb elementor-widget elementor-widget-heading\" data-id=\"7a10acb\" 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\">Beteiligte Parteien und ihre Rollen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cb913 elementor-widget elementor-widget-text-editor\" data-id=\"e9cb913\" 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>Mehrere Akteure arbeiten in einem Payment Scheme zusammen, um Zahlungen sicher und effizient zu erm\u00f6glichen. Jede Partei, vom Karteninhaber bis zur Bank, \u00fcbernimmt dabei eine spezifische Aufgabe im Ablauf.<\/p><p>\u00a0<\/p><p><strong>Im Kartenbereich:<\/strong><\/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-e6a21ae e-con-full e-flex e-con e-child\" data-id=\"e6a21ae\" 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-cda8cb8 e-con-full e-flex e-con e-child\" data-id=\"cda8cb8\" 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-6342829 elementor-tablet-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6342829\" 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>Karteninhaber <\/strong> initiieren Zahlungen und geben Mittel frei.<\/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>Kartenausgebende Banken <\/strong> \u00fcbernehmen Autorisierung, Risiko und Auszahlung.<\/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>H\u00e4ndlerbanken <\/strong> leiten Zahlungen weiter und sorgen f\u00fcr Akzeptanz beim H\u00e4ndler.<\/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>Zahlungsdienstleister und Gateways <\/strong> erm\u00f6glichen die Anbindung an verschiedene Schemes und optimieren Autorisierung, Clearing und Settlement. <\/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-6d38118 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"6d38118\" 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-f3c9d3f elementor-widget elementor-widget-image\" data-id=\"f3c9d3f\" 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-9b8aaea e-flex e-con-boxed e-con e-parent\" data-id=\"9b8aaea\" 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-08bbf25 e-con-full e-flex e-con e-child\" data-id=\"08bbf25\" 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-54d8cf7 elementor-widget elementor-widget-text-editor\" data-id=\"54d8cf7\" 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>Im kontobasierten Zahlungsverkehr:<\/strong><\/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-e6c33ca elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e6c33ca\" 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>Auftraggeber<\/strong> initiieren Zahlungen und geben Mittel frei.<\/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>Auftraggeber Banken  <\/strong> \u00fcbernehmen \u00dcberpr\u00fcfung des Auftraggebers (z.B. Liquidit\u00e4t, Identit\u00e4t des Kunden) und leiten die Zahlung weiter<\/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>Beg\u00fcnstigten Banken <\/strong>empfangen die Zahlung und \u00fcberpr\u00fcfen, ob diese auch dem Beg\u00fcnstigen gutgeschrieben werden kann.<\/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>Beg\u00fcnstigte <\/strong>erhalten den Zahlungsbetrag<\/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-183475cb e-flex e-con-boxed e-con e-parent\" data-id=\"183475cb\" 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\t\t<div class=\"elementor-element elementor-element-197cac07 elementor-widget elementor-widget-jet-headline\" data-id=\"197cac07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"jet-headline jet-headline--direction-vertical\"><span class=\"jet-headline__part jet-headline__first\"><span class=\"jet-headline__label\">Vergleich klassischer und moderner Schemes<\/span><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e3cd12 elementor-widget elementor-widget-text-editor\" data-id=\"0e3cd12\" 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 Digitalisierung wandeln sich Payment Schemes rasant. Neben traditionellen Kartenmodellen gewinnen Instant Payments und mobile L\u00f6sungen zunehmend an Bedeutung.<\/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-5bf53a40 e-con-full e-flex e-con e-child\" data-id=\"5bf53a40\" 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-1833f44f e-con-full e-flex e-con e-child\" data-id=\"1833f44f\" 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-1247c5df elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1247c5df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"60\" height=\"57\" viewBox=\"0 0 60 57\" fill=\"none\"><path d=\"M30.005 54.4368C29.5444 54.4368 29.1016 54.2011 28.8536 53.7768C28.4816 53.1404 28.7001 52.3331 29.3319 51.9618C30.678 51.1781 31.918 50.2235 33.0162 49.1275C34.2974 47.8428 35.372 46.3932 36.2045 44.8081C36.6001 44.0597 36.9367 43.276 37.2201 42.4805C37.4621 41.791 38.2238 41.4257 38.9146 41.6673C39.6054 41.9089 39.9715 42.6691 39.7294 43.3585C39.4047 44.2778 39.015 45.1793 38.5604 46.0397C37.6038 47.8605 36.3698 49.534 34.8997 51.0013C33.642 52.2565 32.2191 53.3525 30.6721 54.2482C30.4596 54.3719 30.2293 54.4309 30.005 54.4309V54.4368Z\" fill=\"#3064F5\"><\/path><path d=\"M20.3769 57.0003C15.0334 57.0003 9.88484 54.9084 5.98206 51.0075C-1.98881 43.0523 -1.98881 30.1002 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44.8443 56.9824 39.5481 56.9824H39.5422Z\" fill=\"#3064F5\"><\/path><path d=\"M30.0068 54.4366C29.7824 54.4366 29.5521 54.3777 29.3455 54.2598C27.8044 53.37 26.3756 52.274 25.1062 51.0071C21.2447 47.1533 19.1191 42.0266 19.1191 36.5759C19.1191 31.1251 21.2447 25.9985 25.1062 22.1447C31.6009 15.6627 41.7092 14.3015 49.6801 18.833C50.3177 19.1983 50.5421 20.0056 50.176 20.642C49.81 21.2785 49.0011 21.5024 48.3634 21.137C41.4258 17.1948 32.6342 18.3792 26.9837 24.0186C20.0461 30.9425 20.0461 42.2034 26.9837 49.1273C28.0878 50.2292 29.3337 51.1839 30.674 51.9558C31.3116 52.3211 31.5301 53.1343 31.1581 53.7707C30.9101 54.195 30.4673 54.4366 30.0068 54.4366Z\" fill=\"#3064F5\"><\/path><path d=\"M29.9404 40.7539C28.11 40.7539 26.2738 40.5182 24.4789 40.0291C23.7703 39.8346 23.3511 39.1098 23.546 38.4027C23.7408 37.6956 24.467 37.2772 25.1756 37.4716C30.2946 38.8564 37.6751 38.002 42.6288 32.9637C48.6513 26.8353 50.0919 15.2798 42.6406 7.84319C35.703 0.919277 24.4198 0.919277 17.4822 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32.6342 18.3792 26.9837 24.0186C20.0461 30.9425 20.0461 42.2034 26.9837 49.1273C28.0878 50.2292 29.3337 51.1839 30.674 51.9558C31.3116 52.3211 31.5301 53.1343 31.1581 53.7707C30.9101 54.195 30.4673 54.4366 30.0068 54.4366Z\" fill=\"#3064F5\"><\/path><path d=\"M29.9404 40.7539C28.11 40.7539 26.2738 40.5182 24.4789 40.0291C23.7703 39.8346 23.3511 39.1098 23.546 38.4027C23.7408 37.6956 24.467 37.2772 25.1756 37.4716C30.2946 38.8564 37.6751 38.002 42.6288 32.9637C48.6513 26.8353 50.0919 15.2798 42.6406 7.84319C35.703 0.919277 24.4198 0.919277 17.4822 7.84319C14.4828 10.8367 12.6052 15.0676 12.3277 19.44C12.2805 20.1707 11.6487 20.7246 10.9166 20.6834C10.1844 20.6362 9.62351 20.0057 9.67075 19.275C9.98368 14.2603 12.1447 9.41064 15.5987 5.96342C23.5696 -1.99171 36.5473 -1.99171 44.5182 5.96342C53.0854 14.5137 51.4381 27.7841 44.53 34.8199C40.769 38.6443 35.4078 40.7539 29.9463 40.7539H29.9404Z\" fill=\"#3064F5\"><\/path><path d=\"M20.4356 38.2494C20.2053 38.2494 19.975 38.1905 19.7625 38.0668C18.2391 37.1711 16.8339 36.0868 15.5881 34.8317C14.0884 33.329 11.396 30.0881 10.221 25.3209C10.0439 24.6079 10.4808 23.889 11.1953 23.7122C11.9097 23.5354 12.63 23.9714 12.8071 24.6845C13.8286 28.8329 16.1726 31.6496 17.4775 32.9578C18.5462 34.0303 19.8038 35.0026 21.1146 35.7745C21.7463 36.1457 21.9589 36.9589 21.5869 37.5895C21.3389 38.0078 20.8961 38.2435 20.4415 38.2435L20.4356 38.2494Z\" fill=\"#3064F5\"><\/path><path d=\"M30.5608 40.4831C30.2183 40.4831 29.8818 40.3534 29.622 40.0942L20.919 31.4083C20.3994 30.8898 20.3994 30.0471 20.919 29.5286C21.4386 29.01 22.2829 29.01 22.8025 29.5286L31.5055 38.2144C32.0251 38.7329 32.0251 39.5756 31.5055 40.0942C31.2457 40.3534 30.9032 40.4831 30.5667 40.4831H30.5608Z\" fill=\"#3064F5\"><\/path><path d=\"M35.4794 39.3574C35.137 39.3574 34.8004 39.2277 34.5406 38.9685L22.6729 27.1242C22.1533 26.6056 22.1533 25.7629 22.6729 25.2444C23.1925 24.7258 24.0368 24.7258 24.5564 25.2444L36.4241 37.0887C36.9437 37.6073 36.9437 38.4499 36.4241 38.9685C36.1643 39.2277 35.8219 39.3574 35.4853 39.3574H35.4794Z\" fill=\"#3064F5\"><\/path><path d=\"M39.5591 37.2242C39.2167 37.2242 38.8801 37.0946 38.6203 36.8353L25.7784 24.0187C25.2588 23.5001 25.2588 22.6575 25.7784 22.1389C26.2979 21.6204 27.1423 21.6204 27.6618 22.1389L40.5038 34.9555C41.0234 35.4741 41.0234 36.3167 40.5038 36.8353C40.244 37.0946 39.9016 37.2242 39.565 37.2242H39.5591Z\" fill=\"#3064F5\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tKartenbasierte Schemes vs. Mobile Wallets\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tKlassische Schemes wie Visa oder Mastercard sind weltweit etabliert, w\u00e4hrend Girocard das nationale Karten-Scheme in Deutschland ist. Mobile Wallets wie Apple Pay oder Google Pay integrieren diese klassischen Systeme, bieten aber zus\u00e4tzliche Komfort- und Sicherheitsfunktionen.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\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-63658bd6 e-con-full e-flex e-con e-child\" data-id=\"63658bd6\" 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-f2e80ec elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f2e80ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"54\" height=\"57\" viewBox=\"0 0 54 57\" fill=\"none\"><path d=\"M27.0031 56.9998C12.112 56.9998 0 44.8066 0 29.8157C0 14.8248 12.112 2.6377 27.0031 2.6377C33.7645 2.6377 40.2389 5.16488 45.2229 9.75808C45.8459 10.3299 45.8887 11.3014 45.3207 11.9286C44.7526 12.5558 43.7876 12.5989 43.1646 12.027C38.7424 7.95647 33.001 5.71213 27.0031 5.71213C13.7978 5.71213 3.05395 16.528 3.05395 29.8157C3.05395 43.1034 13.7978 53.9254 27.0031 53.9254C40.2083 53.9254 50.9522 43.1095 50.9522 29.8157C50.9522 29.1516 50.9277 28.4875 50.8727 27.8296C50.8056 26.9811 51.4286 26.2432 52.2715 26.1694C53.1082 26.1018 53.8473 26.729 53.9145 27.5775C53.9756 28.3154 54.0061 29.0717 54.0061 29.8157C54.0061 44.8066 41.8941 56.9998 27.0031 56.9998Z\" fill=\"#3064F5\"><\/path><path d=\"M34.8757 12.9554C34.0572 12.9554 33.3792 12.3036 33.3487 11.4674C33.3181 10.6188 33.9778 9.90555 34.8207 9.88096L44.3124 9.56121C45.1553 9.53662 45.8638 10.1945 45.8882 11.0431C45.9187 11.8916 45.2591 12.6049 44.4162 12.6295L34.9245 12.9492C34.9245 12.9492 34.8879 12.9492 34.8695 12.9492L34.8757 12.9554Z\" fill=\"#3064F5\"><\/path><path d=\"M44.3671 12.6295C43.5486 12.6295 42.8707 11.9777 42.8401 11.1414L42.5225 1.5861C42.492 0.737555 43.1516 0.0242866 43.9945 -0.000308914C44.8374 -0.0249044 45.5459 0.633024 45.5703 1.48157L45.888 11.0369C45.9185 11.8855 45.2588 12.5987 44.416 12.6233C44.3976 12.6233 44.3793 12.6233 44.361 12.6233L44.3671 12.6295Z\" fill=\"#3064F5\"><\/path><path d=\"M48.21 18.348C49.5492 18.348 50.6348 17.2551 50.6348 15.9069C50.6348 14.5587 49.5492 13.4658 48.21 13.4658C46.8708 13.4658 45.7852 14.5587 45.7852 15.9069C45.7852 17.2551 46.8708 18.348 48.21 18.348Z\" fill=\"#1966F8\"><\/path><path d=\"M51.4834 24.0482C52.8226 24.0482 53.9083 22.9553 53.9083 21.6071C53.9083 20.2589 52.8226 19.166 51.4834 19.166C50.1442 19.166 49.0586 20.2589 49.0586 21.6071C49.0586 22.9553 50.1442 24.0482 51.4834 24.0482Z\" fill=\"#1966F8\"><\/path><path d=\"M52.1135 29.2444H48.2106C47.3677 29.2444 46.6836 28.5557 46.6836 27.7071C46.6836 26.8586 47.3677 26.1699 48.2106 26.1699H52.1135C52.9564 26.1699 53.6405 26.8586 53.6405 27.7071C53.6405 28.5557 52.9564 29.2444 52.1135 29.2444Z\" fill=\"#3064F5\"><\/path><path d=\"M7.14087 29.2444H3.23791C2.39502 29.2444 1.71094 28.5557 1.71094 27.7071C1.71094 26.8586 2.39502 26.1699 3.23791 26.1699H7.14087C7.98376 26.1699 8.66784 26.8586 8.66784 27.7071C8.66784 28.5557 7.98376 29.2444 7.14087 29.2444Z\" fill=\"#3064F5\"><\/path><path d=\"M27.0035 10.3981C26.1606 10.3981 25.4766 9.70942 25.4766 8.86087V4.93175C25.4766 4.0832 26.1606 3.39453 27.0035 3.39453C27.8464 3.39453 28.5305 4.0832 28.5305 4.93175V8.86087C28.5305 9.70942 27.8464 10.3981 27.0035 10.3981Z\" fill=\"#3064F5\"><\/path><path d=\"M27.0035 56.9997C26.1606 56.9997 25.4766 56.311 25.4766 55.4624V51.5333C25.4766 50.6848 26.1606 49.9961 27.0035 49.9961C27.8464 49.9961 28.5305 50.6848 28.5305 51.5333V55.4624C28.5305 56.311 27.8464 56.9997 27.0035 56.9997Z\" fill=\"#3064F5\"><\/path><path d=\"M25.47 36.1734C25.0791 36.1734 24.6882 36.0258 24.3889 35.7245L18.904 30.2029C18.3054 29.6003 18.3054 28.6287 18.904 28.0262C19.5026 27.4236 20.4676 27.4236 21.0662 28.0262L26.5511 33.5478C27.1497 34.1504 27.1497 35.122 26.5511 35.7245C26.2518 36.0258 25.8609 36.1734 25.47 36.1734Z\" fill=\"#3064F5\"><\/path><path d=\"M25.7195 36.1184C25.3286 36.1184 24.9377 35.9708 24.6384 35.6695C24.0398 35.0669 24.0398 34.0954 24.6384 33.4928L34.1545 23.9129C34.7531 23.3103 35.7181 23.3103 36.3167 23.9129C36.9153 24.5155 36.9153 25.487 36.3167 26.0896L26.8006 35.6695C26.5013 35.9708 26.1104 36.1184 25.7195 36.1184Z\" fill=\"#3064F5\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tInstant Payments vs. Batch-Verarbeitung\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInstant Payments erm\u00f6glichen Zahlungen innerhalb von Sekunden rund um die Uhr. Batch-Verarbeitung b\u00fcndelt Zahlungen und f\u00fchrt sie zu festgelegten Zeiten durch \u2013 oft kosteng\u00fcnstiger, aber auch langsamer bis zur Gutschrift beim Empf\u00e4nger.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\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<div class=\"elementor-element elementor-element-4824e04 elementor-widget elementor-widget-text-editor\" data-id=\"4824e04\" 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>Moderne Entwicklungen zeigen, dass Schemes zunehmend digitale Services und Analysefunktionen integrieren, um Transaktionen noch schneller und transparenter zu gestalten.<\/p>\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-40a274c e-flex e-con-boxed e-con e-parent\" data-id=\"40a274c\" 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-69f49d7 e-con-full e-flex e-con e-child\" data-id=\"69f49d7\" 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-69dfbe8 elementor-widget elementor-widget-heading\" data-id=\"69dfbe8\" 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\">Regulierung und Aufsicht 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-46eece8 elementor-widget elementor-widget-text-editor\" data-id=\"46eece8\" 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>Da Payment Schemes zentrale Regelwerke des Finanzsystems sind, unterliegen sie strengen Aufsichts- und Sicherheitsvorgaben. Regulatorische Rahmenwerke sichern Stabilit\u00e4t, Vertrauen und Compliance im Zahlungsverkehr.<\/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-cf4231c elementor-widget elementor-widget-heading\" data-id=\"cf4231c\" 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\">PISA Framework der EZB<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c59a2c9 elementor-widget elementor-widget-text-editor\" data-id=\"c59a2c9\" 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>Das Framework definiert Sicherheits- und \u00dcberwachungsanforderungen f\u00fcr Payment Schemes und legt einen Schwerpunkt auf Risiko-Management und Systemstabilit\u00e4t f\u00fcr den Euro Raum.<\/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-dc48754 elementor-widget elementor-widget-heading\" data-id=\"dc48754\" 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\">Nationale Aufsichtsbeh\u00f6rden<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfc0ba2 elementor-widget elementor-widget-text-editor\" data-id=\"bfc0ba2\" 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 \u00fcberwachen lokale Zahlungssysteme, lizenzieren Banken und Zahlungsdienstleister und kontrollieren die Einhaltung von Standards.<\/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-200b243 elementor-widget elementor-widget-heading\" data-id=\"200b243\" 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\">Sicherheitsstandards und Compliance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0e0800 elementor-widget elementor-widget-text-editor\" data-id=\"f0e0800\" 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>Moderne Schemes setzen auf PCI DSS, <a href=\"https:\/\/unifits.com\/de\/news\/iso-20022-was-ist-das\/\">ISO 20022<\/a> und regelm\u00e4\u00dfige Audits, um Betrugsrisiken zu minimieren und die Integrit\u00e4t des Zahlungsverkehrs zu gew\u00e4hrleisten. Auch neue Regulierungen f\u00fcr Instant Payments oder internationale Transfers erfordern kontinuierliche Anpassungen.<\/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-27ba2cc e-flex e-con-boxed e-con e-parent\" data-id=\"27ba2cc\" 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-997e157 e-con-full e-flex e-con e-child\" data-id=\"997e157\" 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-2389555 elementor-widget elementor-widget-heading\" data-id=\"2389555\" 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\">Fazit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0894687 elementor-widget elementor-widget-text-editor\" data-id=\"0894687\" 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 die Grundlage f\u00fcr sichere und interoperable Zahlungen \u2013 von der Girocard bis zu globalen Anbietern wie Visa und Mastercard. Wer ihre Funktionsweise versteht, kann Zahlungsprozesse optimieren, Compliance sicherstellen und digitale Innovationen effizient integrieren. Unifits unterst\u00fctzt Banken und Zahlungsdienstleister dabei.<\/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-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>Payment Schemes sind das unsichtbare R\u00fcckgrat unseres Zahlungsverkehrs. Sie sorgen daf\u00fcr, dass Geld zuverl\u00e4ssig, schnell und sicher von einem Konto zum anderen gelangt. Ob Sie gerade Ihre erste Online-Zahlung t\u00e4tigen oder in einer Bank- oder FinTech-Umgebung arbeiten, Payment Schemes bestimmen, wie Zahlungen ablaufen. In diesem Artikel erfahren Sie, was Payment Schemes sind, welche Arten es [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10696,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-10790","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\/10790","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=10790"}],"version-history":[{"count":9,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10790\/revisions"}],"predecessor-version":[{"id":10881,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10790\/revisions\/10881"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/media\/10696"}],"wp:attachment":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/media?parent=10790"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/categories?post=10790"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/tags?post=10790"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}