{"id":26083,"date":"2022-06-16T17:47:44","date_gmt":"2022-06-16T15:47:44","guid":{"rendered":"https:\/\/we.secupay.com\/?p=26083"},"modified":"2026-10-22T18:09:11","modified_gmt":"2026-10-22T18:09:11","slug":"e-money-sector-exceptions","status":"publish","type":"post","link":"https:\/\/secupay.com\/en\/knowledge-hub\/artikel\/e-geld-bereichsausnahmen-wir-helfen-bei-der-abgrenzung\/","title":{"rendered":"Assistance for correct classification"},"content":{"rendered":"<h2 id=\"h-was-ist-e-geld-und-welche-besonderheiten-sind-zu-beachten\" class=\"wp-block-heading\">What is e-money and what are the special features?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\t\t\t\t\tWe'll tell you!<br>\n\t\tVouchers are a good alternative to gifts in kind for many consumers, but the issuing traders also benefit from the sale: voucher cards have been proven to increase sales. However, caution is advised when issuing vouchers: as a trader or trader association, you quickly find yourself with your voucher system in the area of electronic money (e-money), for which a permit from <a href=\"https:\/\/www.bafin.de\/SharedDocs\/Veroeffentlichungen\/DE\/Fachartikel\/2014\/fa_bj_1404_bezahlverfahren_im_internet.html\" target=\"_blank\" rel=\"noopener\">BaFin<\/a> is required.\t\t<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/secupay.com\/wp-content\/uploads\/2022\/06\/E-Geld-Bereichsausnahmen.jpg\" alt=\"E-Geld-Bereichsausnahmen\" style=\"aspect-ratio:1.778975741239892;width:1320px;height:auto\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#1\">What is e-money?<\/a><\/li>\n\n\n\n<li><a href=\"#2\">What are the exceptions?<\/a><\/li>\n\n\n\n<li><a href=\"#3\">Use cases for card programmes<\/a><\/li>\n\n\n\n<li><a href=\"#4\">Summary<\/a><\/li>\n<\/ul>\n\n\n\n<h2 id=\"1\" class=\"wp-block-heading\">What is e-money?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to \u00a7 1 para. 3 of the Payment Services Supervision Act (Zahlungsdiensteaufsichtsgesetz - ZAG), e-money is any electronically stored monetary value in the form of a claim on the issuer, which is issued against payment of an amount of money, in order to carry out payment transactions with it and which is also accepted by persons other than the issuer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In simple terms, the following e-money guidelines must be met:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>It is a monetary value stored on an electronic device or remotely on a server.<\/li>\n\n\n\n<li>E-money must be accepted as a means of payment by at least one entity other than the issuing entity.<\/li>\n\n\n\n<li>The value is issued against payment of a \"real\" amount of money. It does not matter whether the payment is settled in cash or not.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">E-money is issued by e-money institutions, which must comply with certain due diligence requirements. For example, new customers must undergo a legitimation check.<\/p>\n\n\n\n<h3 id=\"2\" class=\"wp-block-heading\">What are the exceptions?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a7 2 para. 1 no. 10 and no. 11 of the ZAG list exceptions that are clearly distinguished from e-money. Accordingly, it is no longer electronic money as soon as<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>monetary values only for acquisition within a limited trader network<\/li>\n\n\n\n<li>can be used for a limited range of services or goods, or<\/li>\n\n\n\n<li>a social and fiscal purpose is achieved.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Limited network<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the customer can only use the voucher or gift cards of a store chain in its shops. The prerequisite is a uniform market presence (use of a uniform payment brand). In addition, the product may only be redeemed in Germany - and accordingly only in the German branches of the store chain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Limited range of goods or services<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the customer can only redeem the voucher or gift card for a specific product group - for example, so-called beauty cards for the purchase of perfume, cosmetics and skin and hair care products.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether an exception applies can only be clarified with legal certainty by an enquiry to <a href=\"https:\/\/www.bafin.de\/\" target=\"_blank\" rel=\"noopener\">BaFin<\/a> .<\/p>\n\n\n\n<h3 id=\"3\" class=\"wp-block-heading\">Use cases for card programmes<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7788c425 wp-block-columns-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0;flex-basis:40%\">\n<p class=\"has-large-font-size wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><strong>Card programme<\/strong><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">eWallet for cross-centre parking<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>An electronic credit card that can be used at any centre to pay parking fees - and only to pay them.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-large-font-size wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><strong>Framework conditions<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>YES: electronically stored monetary value<\/li>\n\n\n\n<li>YES: value must be available for payment to at least one person or entity other than the issuer.<\/li>\n\n\n\n<li>YES: issued against payment of a sum of money<\/li>\n\n\n\n<li>YES: use only possible for a limited range of services<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-large-font-size wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"><strong>E-money status<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left has-xx-large-font-size wp-block-paragraph\">NO<\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">It does not constitute <strong>e-money<\/strong> within the meaning of the ZAG.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7788c425 wp-block-columns-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0;flex-basis:40%\">\n<p class=\"has-medium-font-size wp-block-paragraph\">Retailer chain voucher<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Eine Gutscheinl\u00f6sung f\u00fcr H\u00e4ndler mit und im Filialsystem (H&amp;M, ECE, New Yorker): Die Gutscheinkarte kann innerhalb von Deutschland in jeder Filiale des Filialnetzwerkes eingel\u00f6st werden.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>YES: electronically stored monetary value<\/li>\n\n\n\n<li>YES: value must be available for payment to at least one person or entity other than the issuer.<\/li>\n\n\n\n<li>YES: issued against payment of a sum of money<\/li>\n\n\n\n<li>NO: use only possible for a limited range of services<\/li>\n\n\n\n<li>NO: use only within a limited network<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-left has-xx-large-font-size wp-block-paragraph\">YES<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Attention!<\/strong> This constitutes e-money within the meaning of the ZAG.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7788c425 wp-block-columns-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0;flex-basis:40%\">\n<p class=\"has-medium-font-size wp-block-paragraph\">Non-cash remuneration voucher<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Eine Gutscheinl\u00f6sung f\u00fcr H\u00e4ndler mit und im Filialsystem (H&amp;M, ECE, New Yorker): Die Gutscheinkarte kann innerhalb von einer Filiale des Filialnetzwerkes eingel\u00f6st werden.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>YES: electronically stored monetary value<\/li>\n\n\n\n<li>YES: value must be available for payment to at least one person or entity other than the issuer.<\/li>\n\n\n\n<li>YES: issued against payment of a sum of money<\/li>\n\n\n\n<li>NO: use only possible for a limited range of services<\/li>\n\n\n\n<li>NO: use only within a limited network<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-left has-xx-large-font-size wp-block-paragraph\">NO<\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">It does not constitute <strong>e-money<\/strong> within the meaning of the ZAG.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7788c425 wp-block-columns-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0;flex-basis:40%\">\n<p class=\"has-medium-font-size wp-block-paragraph\">Cross-centre bonus programme<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<ul class=\"wp-block-list\">\n<li>YES: electronically stored monetary value<\/li>\n\n\n\n<li>YES: value must be available for payment to at least one person or entity other than the issuer.<\/li>\n\n\n\n<li>NO: issued against payment of a sum of money<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-left has-xx-large-font-size wp-block-paragraph\">YES<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Attention!<\/strong> This constitutes e-money within the meaning of the ZAG.<\/p>\n<\/div>\n<\/div>\n\n\n\n<h5 id=\"4\" class=\"wp-block-heading\">Summary<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">\t\tWhether a merchant needs a <a href=\"https:\/\/www.bafin.de\/SharedDocs\/Veroeffentlichungen\/DE\/Fachartikel\/2014\/fa_bj_1404_bezahlverfahren_im_internet.html\" target=\"_blank\" rel=\"noopener\">BaFin permit<\/a> for issuing vouchers or gift cards, is subject to notification or has no ZAG obligations at all depends on the individual case. The answers to questions such as \"Who will accept my voucher?\" or \"Which products are available with my gift card?\" are decisive. Issuers of vouchers should therefore always keep the issue of ZAG in mind when specifically designing vouchers and gift cards.\t\t<\/p>\n\n\n\n<p class=\"has-large-font-size wp-block-paragraph\"><a href=\"https:\/\/secupay.com\/en\/produkt\/vouchers-prepaid-cards\/\">Our customer loyalty and voucher solution secucard \u00bb<\/a><br>\t\t\t\t\t\t\t\t\t<\/p>","protected":false},"excerpt":{"rendered":"<p>In many cases vouchers can be classified as electronic money. However, legal exceptions justify which card programs are actually classified as e-money within the meaning of the ZAG.<\/p>","protected":false},"author":4,"featured_media":26085,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_acf":"","inline_featured_image":false,"footnotes":""},"categories":[9],"tags":[34,69,76],"class_list":["post-26083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pos-karten-kundenbindung","tag-e-geld","tag-loyality","tag-nachrichten-neu-22"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>E-Geld &#038; Bereichsausnahmen: Wir helfen bei der Abgrenzung | secupay AG<\/title>\n<meta name=\"description\" content=\"Ist mein Gutschein E-Geld und damit erlaubnispflichtig? secupay hilft bei der Abgrenzung und erkl\u00e4rt geltende Bereichsausnahmen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/secupay.com\/en\/knowledge-hub\/article\/e-money-sector-exceptions\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"E-Geld &#038; Bereichsausnahmen: Wir helfen bei der Abgrenzung\" \/>\n<meta property=\"og:description\" content=\"Hinter Gutscheinen kann sich schnell elektronisches Geld verstecken. 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