Participation in the girocard scheme of the German Banking Industry Committee. The Merchant is entitled to participate in the girocard scheme of the German Banking Industry Com- mittee subject to these Terms and Conditions. The girocard scheme enables cashless payments to be made at automated cash registers - girocard terminals. The Merchant‘s contracting partner with regard to authorisation of any single payment transaction is a relevant card-issuing payment service provider (see section 5 below). The entirety of payment service providers participating in the girocard scheme is hereinafter referred to as the Banking Industry.