The National Bank of Denmark has published an analysis on the resilience of Denmark’s payment system and updated its payment recommendations for citizens, while issuing new guidance for retailers and shop owners on how to keep payments flowing during operational disruptions, internet outages and potential crises. The update highlights offline card payments as a primary fallback when regular card payment systems are unavailable, alongside maintaining access to cash and bank transfers. For businesses, the guidance focuses on pre-planning for disruptions, including deciding whether to accept payment cards and bank transfers in addition to cash, preparing to accept offline card payments and considering solutions that can also handle offline wallet payments, and ensuring staff have instructions and know how to switch terminals into offline mode. For citizens, the recommendations stress maintaining multiple payment options, including payment cards, cash and an instant payment app such as a mobile banking app or MobilePay; having at least two physical payment cards from separate issuers and memorising PIN codes; and holding a limited cash reserve, with a rule of thumb of DKK 250 per adult in the household, preferably in coins and small notes. Through the Danish Payments Council, the central bank is working with the retail sector, banks and other payments stakeholders to enable offline payments later this year using physical payment cards from Dankort, Mastercard and Visa, as well as mobile wallets including Apple Pay and Google Pay, at all pharmacies and nationwide supermarket chains.

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