The debate surrounding mandatory digital payment options in Germany’s hospitality sector has intensified, with the Dehoga, the national hotel and restaurant association, voicing strong reservations. Ingrid Hartges, the Dehoga’s CEO, cautioned against a blanket requirement, arguing that transaction fees associated with card payments represent a disproportionate burden for small-value purchases such as ice cream, beer, or coffee. Her comments follow a recent push from Lower Saxony advocating for compulsory digital payment infrastructure within the industry.
While Hartges acknowledged that the vast majority of establishments – nearly 90%, according to a Mastercard survey – already offer cashless payment methods, she emphasized the practical and financial challenges imposed on smaller businesses by a mandated system. Critics suggest the push for compulsory digital payments stems from a broader governmental effort to combat tax evasion, but the Dehoga’s stance highlights the potential for unintended consequences impacting the viability of smaller, traditionally cash-dependent enterprises.
Beyond the payment debate, Hartges also offered qualified support for the federal government’s planned introduction of the “Aktivrente” – a system allowing individuals to gradually retire while continuing to work, beginning January 1, 2026. She suggested that the scheme could facilitate a flexible return to work for older employees, citing examples of older staff members who remain enthusiastic about contributing to the industry. Hartges underscored the potential for this to maintain workforce experience and provide supplementary income for retirees, while also contributing to a perceived generational gap that has been plaguing the industry.
While recognizing the government’s intention to address labor shortages and incentivize workforce participation, Hartges advocated for a period of evaluation following the Aktivrente’s implementation, suggesting a review after three or five years to determine its effectiveness and impact. The comments reflect a wider internal dialogue within Germany regarding strategies to navigate demographic shifts and adapt to changing economic landscapes.