See
the article in Het Financieele Dagblad to find out that as of June this year, after 18 years of monopoly, Equens is no longer the single central switch for routing/processing the domestic debit-card payments at the point of sale (PIN). As a result the market for debitcard transactions with PIN at the point of sale is now completely open. Merchants can compare banks, banks may compare switch processors at the acquiring side and card issuing service companies on the issuing side.