244:
However, customers began to complain almost immediately about numerous difficulties caused by the premature withdrawal of Laser cards. Some retailers who were able to give cashback on Laser cards were unwilling or unable to do so on the replacement cards; Permanent TSB issued a second replacement
171:
When purchasing goods or services with a Laser card up to €100 cashback could be given to cardholders and this value was simply added to the purchase price. Some retailers set a lower maximum cashback value, depending on what cash was available to them in the till or their own policy. Many Irish
140:
The Laser scheme was maintained and operated by Laser Card
Services Ltd., a not for profit body owned by four leading financial institutions in Ireland and overseen since 2008 by the Oversight Unit of the Central Bank. The scheme was launched in April 1996, and in 2010, there were almost three
183:
cards with both Laser and
Maestro functions. The Laser facility was for use in the Republic of Ireland only whereas the Maestro facility was, in theory, used both domestically and internationally, but international Maestro payments were quite often rejected.
259:
companies did not advertise whether there were any differences in their charges for the two types of debit card. Some customers reported being charged foreign usage fees on Visa Debit cards in
Northern Ireland, which had not been charged on the old cards.
240:
as the final issuer in the Laser card system, leading to speculation that the scheme would close in 2012. It was reported that banks were turning away from Laser because of some difficulties encountered by consumers in making online purchases.
248:
Other retailers who had been charged a small flat-rate per-transaction fee for Laser transactions found that they were charged a percentage of the value of the transaction for the replacement cards. Organisations such as
207:
announced that it would be the first bank in the
Republic of Ireland to offer a Visa Debit card rather than the Laser debit card (Halifax was never a member of Laser Card Services Limited). In 2008,
144:
195 million transactions worth almost €11.2 billion were carried out on those cards in 2009. From 2007, the financial institutions which had issued Laser cards began to replace them with
1531:
1541:
529:
761:
482:
337:
245:
Visa Debit card to its customers in April 2011 due to the initial replacement chip and some older terminals not being compatible (resulting in refusal of cashback).
253:
which did not charge customers for Laser card transactions began to charge these customers 1.5% commission on transactions using the replacement Visa Debit cards.
774:
1551:
514:
369:
670:
651:
608:
301:
584:
1546:
1526:
833:
1536:
1023:
29:
195:, regardless of location, to join the Laser card scheme, no interest in joining the scheme was expressed by banks outside Ireland.
1033:
1469:
716:"Forums > General Financial Issues > Banking, credit cards, etc > Billpay will not process Halifax Visa Debit Card"
489:
344:
735:
1306:
1190:
988:
931:
390:
188:
165:
437:
1342:
978:
696:"Forums > General Financial Issues > Banking, credit cards, etc > Halifax Visa Debit Card - Beware of Issues"
1363:
826:
466:
452:
325:
1373:
1316:
1089:
1058:
1013:
966:
192:
1449:
1429:
1378:
403:
1114:
281:
574:
556:
1474:
983:
633:
417:
1439:
1413:
1321:
1109:
819:
674:
612:
533:
305:
801:
1521:
1459:
1272:
1104:
1079:
1018:
879:
176:
92:
1434:
1215:
1180:
1159:
1149:
1119:
720:
700:
237:
42:
1398:
1048:
993:
951:
806:
233:
said that it would issue MasterCard debit cards instead of Laser from the second half of 2011.
1454:
1408:
1290:
1285:
1205:
1144:
941:
508:
363:
256:
204:
1464:
1403:
1244:
1200:
1185:
1154:
1139:
1134:
874:
864:
149:
1337:
1220:
1210:
579:
560:
470:
441:
223:
219:
withdrew Laser cards and began to replace them with Visa Debit cards in
September 2010.
1500:
1232:
778:
695:
236:
In July 2011, AIB announced that it would cease issuing Laser cards from 2011, leaving
179:
cards; from 1 January 2008, all Laser cards were co branded. The co branded cards were
715:
1515:
961:
921:
896:
216:
161:
172:
businesses that operate online accepted Laser cards prior to their discontinuation.
1495:
1280:
1252:
1195:
1003:
180:
28:
811:
1347:
1094:
846:
842:
208:
121:
739:
1479:
1311:
1257:
1063:
891:
869:
850:
230:
212:
145:
134:
95:
152:
debit cards. Laser cards were withdrawn from the market on 28 February 2014.
946:
926:
901:
886:
519:
Ireland’s
Payment and Securities Settlement Systems Infrastructure (page 59)
463:
434:
226:
announced they were ceasing their involvement in the partnership in 2011.
1262:
1227:
1099:
1084:
1053:
1008:
998:
269:
1368:
956:
936:
250:
175:
From 2005, some Laser card holders were provided with co branded Laser/
1129:
1038:
973:
268:
Ogone, ICEPAY, WorldPay, Netbanx.com, Moneybookers.com, CreditCall,
1164:
1043:
1028:
374:
Ireland’s
Payment and Securities Settlement Systems Infrastructure
116:
815:
671:"Laser admits trouble ahead as EBS latest lender to ditch card"
652:"Laser admits trouble ahead as EBS latest lender to ditch card"
609:"Laser admits trouble ahead as EBS latest lender to ditch card"
385:
302:"Laser admits trouble ahead as EBS latest lender to ditch card"
1444:
88:
386:"New Laser card set to take a swipe out of cheque business"
272:, Realex, TNS and SagePay provided Laser payment gateways.
187:
The
Maestro facility was not usable internationally
168:, at ATMs and to pay regular bills by direct debit.
1488:
1422:
1391:
1356:
1330:
1299:
1271:
1243:
1173:
1072:
912:
857:
112:
104:
81:
66:
48:
38:
775:"Beware of those hidden Visa debit card charges"
530:"Consumers turn to debit cards for transactions"
1532:Financial services in the Republic of Ireland
827:
8:
721:Askaboutmoney.com - the Irish consumer forum
701:Askaboutmoney.com - the Irish consumer forum
191:. While it was possible for any bank in the
21:
575:"BoI to replace Laser card with Visa Debit"
557:"BoI to replace Laser card with Visa Debit"
1542:Products and services discontinued in 2014
1353:
834:
820:
812:
27:
20:
137:scheme in Ireland between 1996 and 2014.
292:
513:: CS1 maint: archived copy as title (
506:
368:: CS1 maint: archived copy as title (
361:
264:Website and e-commerce system gateways
164:debit card, but could also be used by
141:million Laser cards in circulation.
7:
807:Irish Payments Services Organisation
669:Weston, Charlie (10 February 2011).
607:Weston, Charlie (10 February 2011).
587:from the original on 29 October 2010
300:Weston, Charlie (10 February 2011).
199:Participating financial institutions
736:"Betfair payments help for Ireland"
634:"AIB to introduce Visa Debit cards"
989:European Payments Initiative (EPI)
160:Laser was primarily an electronic
16:Irish debit card scheme, 1996–2014
14:
1552:2014 disestablishments in Ireland
979:Electronic Payment Services (EPS)
555:Maguire, Adam (29 October 2010).
418:"BoI confirms Laser card switch"
1547:1996 establishments in Ireland
1527:Debit card issuer associations
1470:Personal identification number
773:White, Dan (1 November 2010).
1:
1307:Card not present transaction
1191:Credit card balance transfer
384:Webb, Nick (10 March 1996).
222:In the end of October 2010,
211:dropped Laser, in favour of
1537:Products introduced in 1996
54:; 28 years ago
1568:
70:28 February 2014
1317:Controlled payment number
193:Single Euro Payments Area
26:
1450:Hardware security module
1430:Automated teller machine
1216:Current/checking account
572:(Archived by WebCite at
469:23 November 2007 at the
404:Irish Newspaper Archives
326:Laser Card Services Ltd.
464:Laser Card Services Ltd
435:Laser Card Services Ltd
282:List of Irish companies
108:Laser Card Services Ltd
1475:Secure cryptoprocessor
189:online or by telephone
166:telephone and internet
1440:Credit card imprinter
1414:Credit card hijacking
675:The Irish Independent
613:The Irish Independent
534:The Irish Independent
440:11 April 2011 at the
306:The Irish Independent
33:Laser debit card logo
1460:Magnetic stripe card
231:EBS Building Society
229:On 9 February 2011,
1435:Contactless payment
1181:Payment card number
658:. 10 February 2011.
495:on 31 December 2010
350:on 31 December 2010
238:National Irish Bank
23:
1399:Card security code
1357:Interbank networks
994:Forbrugsforeningen
424:. 10 October 2010.
391:Sunday Independent
1509:
1508:
1455:Interbank network
1409:Credit card fraud
1387:
1386:
1291:Universal default
1286:Introductory rate
1206:Revolving account
724:. 2 October 2007.
704:. 3 October 2007.
656:Irish Independent
536:. 14 October 2010
257:Merchant services
128:
127:
1559:
1465:Payment terminal
1404:Chargeback fraud
1354:
1201:Installment loan
1186:Card association
1135:Rail Travel Card
865:American Express
836:
829:
822:
813:
790:
789:
787:
785:
770:
764:
758:
752:
751:
749:
747:
742:on 30 April 2011
738:. Archived from
732:
726:
725:
712:
706:
705:
692:
686:
685:
683:
681:
666:
660:
659:
648:
642:
641:
630:
624:
623:
621:
619:
604:
598:
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594:
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571:
569:
567:
552:
546:
545:
543:
541:
526:
520:
518:
512:
504:
502:
500:
494:
488:. Archived from
487:
479:
473:
461:
455:
453:Bank of Scotland
450:
444:
432:
426:
425:
414:
408:
407:
401:
399:
381:
375:
373:
367:
359:
357:
355:
349:
343:. Archived from
342:
334:
328:
323:
317:
316:
314:
312:
297:
77:
75:
62:
60:
55:
31:
24:
1567:
1566:
1562:
1561:
1560:
1558:
1557:
1556:
1512:
1511:
1510:
1505:
1484:
1418:
1383:
1352:
1326:
1295:
1267:
1239:
1221:Savings account
1211:Deposit account
1169:
1140:Revolution Card
1068:
915:specialty cards
914:
908:
853:
840:
798:
793:
783:
781:
772:
771:
767:
759:
755:
745:
743:
734:
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729:
714:
713:
709:
694:
693:
689:
679:
677:
668:
667:
663:
650:
649:
645:
638:The Irish Times
632:
631:
627:
617:
615:
606:
605:
601:
590:
588:
580:The Irish Times
573:
565:
563:
561:The Irish Times
554:
553:
549:
539:
537:
528:
527:
523:
505:
498:
496:
492:
485:
483:"Archived copy"
481:
480:
476:
471:Wayback Machine
462:
458:
451:
447:
442:Wayback Machine
433:
429:
422:The Irish Times
416:
415:
411:
397:
395:
383:
382:
378:
360:
353:
351:
347:
340:
338:"Archived copy"
336:
335:
331:
324:
320:
310:
308:
299:
298:
294:
290:
278:
266:
224:Bank of Ireland
205:Halifax Ireland
201:
158:
120:
100:
93:Magnetic stripe
91:and previously
73:
71:
58:
56:
53:
52:April 1996
34:
17:
12:
11:
5:
1565:
1563:
1555:
1554:
1549:
1544:
1539:
1534:
1529:
1524:
1514:
1513:
1507:
1506:
1504:
1503:
1501:Acquiring bank
1498:
1492:
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1483:
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1477:
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867:
861:
859:
855:
854:
841:
839:
838:
831:
824:
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804:
797:
796:External links
794:
792:
791:
779:Evening Herald
765:
753:
727:
707:
687:
661:
643:
625:
599:
547:
521:
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200:
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85:
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68:
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63:
50:
46:
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40:
36:
35:
32:
15:
13:
10:
9:
6:
4:
3:
2:
1564:
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1502:
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1468:
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1234:
1231:
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1199:
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1133:
1131:
1128:
1126:
1123:
1121:
1118:
1116:
1113:
1111:
1108:
1106:
1103:
1101:
1098:
1096:
1093:
1091:
1090:Carte Blanche
1088:
1086:
1083:
1081:
1078:
1077:
1075:
1073:Defunct cards
1071:
1065:
1062:
1060:
1057:
1055:
1052:
1050:
1047:
1045:
1042:
1040:
1037:
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992:
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977:
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948:
945:
943:
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938:
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933:
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928:
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923:
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919:
917:
911:
903:
900:
898:
895:
893:
890:
889:
888:
885:
881:
878:
876:
873:
872:
871:
868:
866:
863:
862:
860:
856:
852:
848:
844:
837:
832:
830:
825:
823:
818:
817:
814:
808:
805:
803:
802:Official site
800:
799:
795:
780:
776:
769:
766:
763:
757:
754:
741:
737:
731:
728:
723:
722:
717:
711:
708:
703:
702:
697:
691:
688:
676:
672:
665:
662:
657:
653:
647:
644:
639:
635:
629:
626:
614:
610:
603:
600:
586:
582:
581:
576:
562:
558:
551:
548:
535:
531:
525:
522:
516:
510:
491:
484:
478:
475:
472:
468:
465:
460:
457:
454:
449:
446:
443:
439:
436:
431:
428:
423:
419:
413:
410:
405:
393:
392:
387:
380:
377:
371:
365:
346:
339:
333:
330:
327:
322:
319:
307:
303:
296:
293:
287:
283:
280:
279:
275:
273:
271:
263:
261:
258:
254:
252:
246:
242:
239:
234:
232:
227:
225:
220:
218:
217:Permanent TSB
214:
210:
206:
198:
196:
194:
190:
185:
182:
178:
173:
169:
167:
163:
162:point of sale
155:
153:
151:
147:
142:
138:
136:
132:
123:
118:
115:
111:
107:
103:
97:
94:
90:
87:
86:
84:
80:
69:
65:
51:
47:
44:
41:
37:
30:
25:
19:
1496:Issuing bank
1281:Grace period
1253:Cash advance
1196:Credit limit
1124:
1004:Hyundai Card
913:Regional and
782:. Retrieved
768:
756:
744:. Retrieved
740:the original
730:
719:
710:
699:
690:
678:. Retrieved
664:
655:
646:
637:
628:
616:. Retrieved
602:
589:. Retrieved
578:
564:. Retrieved
550:
538:. Retrieved
524:
497:. Retrieved
490:the original
477:
459:
448:
430:
421:
412:
402:– via
396:. Retrieved
394:. p. 16
389:
379:
352:. Retrieved
345:the original
332:
321:
309:. Retrieved
295:
267:
255:
247:
243:
235:
228:
221:
202:
186:
181:chip and PIN
174:
170:
159:
143:
139:
130:
129:
122:Irish pounds
67:Discontinued
18:
1522:Debit cards
1348:Card scheme
1331:Interchange
1095:Carte Bleue
967:Diners Club
858:Major cards
851:debit cards
784:24 February
760:See, e.g.,
746:24 February
680:24 February
618:24 February
540:24 February
499:25 February
354:25 February
311:24 February
209:Ulster Bank
124:(1996–2002)
119:(2002–2014)
1516:Categories
1480:Smart card
1423:Technology
1312:Chargeback
1258:Charge-off
1120:Everything
870:Mastercard
762:Streamline
591:29 October
566:29 October
288:References
213:Visa Debit
150:MasterCard
135:debit card
96:debit card
82:Technology
74:2014-02-28
1343:Surcharge
947:Cabcharge
927:AzeriCard
203:In 2007,
1392:Security
1273:Interest
1263:Debt-lag
1228:ATM card
1174:Accounts
1115:Eurocard
1100:Chipknip
1085:Bankcard
1054:UnionPay
1009:Isracard
999:Girocard
962:Discover
942:BCA Card
932:Bancomat
897:Electron
585:Archived
509:cite web
467:Archived
438:Archived
398:26 April
364:cite web
276:See also
270:DataCash
113:Currency
105:Operator
49:Launched
39:Location
1489:Banking
1369:Interac
1322:Dispute
1300:Payment
1110:enRoute
957:Dankort
937:BC Card
880:Maestro
251:Betfair
177:Maestro
72: (
59:1996-04
57: (
43:Ireland
1364:Cirrus
1160:Proton
1150:Switch
1130:Mondex
1105:Choice
1080:Access
1039:PayPak
974:EFTPOS
847:charge
843:Credit
133:was a
1374:Pulse
1165:V Pay
1125:Laser
1064:Verve
1044:RuPay
1029:Meeza
892:Debit
875:Debit
493:(PDF)
486:(PDF)
348:(PDF)
341:(PDF)
131:Laser
22:Laser
1379:Plus
1245:Debt
1233:Fees
1145:Solo
1059:UATP
1049:Troy
1034:NETS
1024:MEPS
922:ArCa
902:Cash
887:Visa
849:and
786:2012
748:2011
682:2012
620:2012
593:2010
568:2010
542:2011
515:link
501:2011
400:2024
370:link
356:2011
313:2012
146:Visa
117:Euro
1445:EMV
1338:Fee
1155:PIN
1019:Mir
1014:JCB
984:Elo
156:Use
148:or
89:EMV
1518::
952:CB
845:,
777:.
718:.
698:.
673:.
654:.
636:.
611:.
583:.
577:.
559:.
532:.
511:}}
507:{{
420:.
388:.
366:}}
362:{{
304:.
215:.
835:e
828:t
821:v
788:.
750:.
684:.
640:.
622:.
597:)
595:.
570:.
544:.
517:)
503:.
406:.
372:)
358:.
315:.
76:)
61:)
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