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Card Payments in 2026: What Merchants Really Need to Know and Implement Now

04-16-2026 03:02 PM CET | Business, Economy, Finances, Banking & Insurance

Press release from: REA Card GmbH

( (C) REA Card GmbH)

( (C) REA Card GmbH)

The debate over a mandatory card payment requirement in 2026 is causing uncertainty in the retail sector--but the current situation is clearer than many headlines suggest. A fully developed legal requirement does not yet exist in Germany. The political intention is that consumers will be able to pay both in cash and digitally in the future. However, the specific legal framework remains open.

For retailers, this means: A practical approach is needed. Because regardless of legal requirements, payment behavior has already changed significantly. Even today, over 60 percent of sales in brick-and-mortar retail are made by card. At the same time, customers increasingly expect flexible payment options--the lack of card payment often leads to abandoned purchases and lost revenue.

Sectors with high customer traffic and spontaneous purchasing decisions are particularly affected, such as restaurants, bakeries, kiosks, or mobile service providers. It is precisely here that the payment method directly influences speed, service quality, and customer satisfaction.

The crucial question is therefore not whether, but when card payments can be integrated into your business. Factors such as walk-in customers, peak hours, average receipt value, or target audience influence this. Modern solutions--from brick-and-mortar terminals to mobile devices or SoftPOS--enable flexible adaptation to different locations.

Structured preparation is key: analyzing payment processes, conducting in-store testing, training staff, and ensuring support in case of technical failures.

Ultimately, the need for action is real even without a legal mandate. Those who invest now in suitable solutions and clear processes not only ensure legal compliance for the future but also immediately improve service, efficiency, and revenue potential.

For more information, suitable terminal solutions, and much more, see the REA Card guide: Mandatory Card Payments in Germany by 2026: What Merchants Need to Know - REA Card

REA Card GmbH
Teichwiesenstrasse 1
64367 Muehltal
Germany

https://www.rea-card.de/

Frau Larissa Feldmann
+49(0) 6154 / 638 - 200

presse@rea-card.de

REA Card is one of the leading providers of innovative payment and POS systems. Since 1988, the company has been developing and distributing reliable EC terminals, modern POS solutions, and high-performance software for various industries--always with a commitment to the highest quality, security, and personalized service. As a family-run business, REA Card places particular emphasis on long-term partnerships and personalized support for its customers.

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