Debit cards are usually directly linked to a current account, from which the corresponding amount is debited within a few days when a cashless payment or cash withdrawal is made. The local credit institutions usually combine different procedures on a debit card to increase its flexibility when paying. A classic combination is, for example, girocard with Maestro or V PAY and GeldKarte including girogo. Cards with the girocard function can also be used for electronic direct debiting. It is becoming increasingly important for merchants to offer acceptance of Maestro and V PAY in addition to the girocard at the POS, as there are now more and more cards that are exclusively equipped with these payment methods.