> our own separate payment networks called Maestro

You mean Mastercard's brand?

Yes, technically. But you won't be able to use an American Mastercard. Maestro is a debit card, generally it will look like this: https://www.abnamro.com/en/news/pin-needed-less-often-when-m.... I've never seen it in the US.

I haven't seen Maestro-exclusive terminals for 10 years, at least with support of Mastercard, but the survivorship bias is hard because my country was a playground for all new tech of both Visa and MC.

The issue is that Albert Heijn, and many other stores in the Netherlands, will not accept credit cards. And then American-issued debit cards do not seem to work either (eg, Bank of America shows the symbol "Debit Visa"). Perhaps debit cards from say Austria work (they're often on similar networks as the Dutch banks).

Sounds like American debit cards have a different code than elsewhere.

Any Mastercard/Visa, no matter where it's issued :)