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世界のインターチェンジ関連規制:デビットカードへの影響

Global Interchange Regulation: Impact on Debit Cards

出版日: | 発行: Mercator Advisory Group, Inc. | ページ情報: 英文 15 Pages | 納期: 即日から翌営業日

価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=105.15円
世界のインターチェンジ関連規制:デビットカードへの影響
出版日: 2018年10月22日
発行: Mercator Advisory Group, Inc.
ページ情報: 英文 15 Pages
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

当レポートでは、インターチェンジフィの低下に伴うデビットカード業界への派生的影響を調査し、インターチェンジフィに関するイシュアと加盟店の対立の背景、各国における監督機関の重要性と各種規制・規則の動向、リアルタイムPOSソリューションの発展など、インターチェンジフィの低下による各種影響などをまとめています。

調査ハイライト

  • デビットカードインターチェンジ:イシュアと加盟店の対立の経緯
  • 各国の監督機関の重要性
  • 決済監督機関の動向
  • ネットワークおよび決済処理業者のフィーの拡大と新サービスに対する新たな料金の追加・これらの料金に対する監督機関による注力の不足
  • 比較的低いインターチェンジレート:プライスポイントへの影響とリアルタイムPOSソリューションなどの新しい決済タイプの導入

掲載企業

  • Eftpos
  • Interac
  • Mastercard
  • Visa
目次

The impact of reduced global card interchange rates on debit cards.

The card payment network infrastructure is so vital to how commerce is conducted that it is considered a utility and as a utility, has become highly regulated in many countries. As government regulators take on the job of setting interchange, rates are moving closer to zero and transaction liability is being more equally shared between merchants and issuers. A new research report from Mercator Advisory Group titled “Global Interchange Regulation: Impact on Debit Cards” explores the ramifications of lower interchange on debit card activity.

“As regulators reduce interchange, it is interesting to note that network and processing fees are not simultaneously regulated. This means the impact of lower interchange is muted for merchants and networks while processors continue to generate fee income for their services. Financial institutions and cardholders are most negatively affected by these changes,” comments Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group and author of the report.

This research report has 15 pages and 3 exhibits.

Companies mentioned in this report include: Eftpos, Interac, Mastercard, and Visa.

Highlights of the research report include:

  • A brief history of how debit card interchange became a divisive topic in the payments industry pitting issuers, who rely on interchange to fund card rewards programs and offset the cost of free checking accounts, against merchants, who pay interchange on card payments and resent having to subsidize products that they no longer feel the lift in sales that they once did now that card acceptance has become a necessity rather than a choice.
  • The role that regulators in various countries have taken as they see debit card payments as a public good and are regulating the global payment networks as if they were utilities rather than private profit-making enterprises.
  • The trend for payments regulators to set rules also on surcharging for card transactions, the option to accept only some card types under a card brand but not all card types (known as “honor all cards”), and unbundling interchange charges from processors' fees and other fees.
  • The growth of network and processor fees and the addition of new fees for new services and the lack of attention given to these rising fees by regulators.
  • The impact that relatively low interchange rates have on the price point and therefore adoption of new payment types such as evolving real-time point-of-sale solutions.
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