Regulations on Interchange Fee in the European Union and the United States: an Overview

• Autorzy: Damian Cyman

Warianty tytułu

Regulacje opłaty interchange w Unii Europejskiej i Stanach Zjednoczonych. Wybrane zagadnienia

• Języki publikacji: EN

Abstrakty

EN

This paper examines the impact of the reductions in interchange fees in the United States of America and the European Union. First, the author describes payment card schemes and interchange fees. The focus of this analysis were the regulations of the amount of interchange fees that issuers receive in the United States and the European Union, as well as the legal acts that regulate this subject. The United States experience with the Durbin Amendment provides a useful test case for understanding the costs of interchange fees and interchange fee price controls, so the impact of those regulations on card scheme participants were described. The paper ends with conclusions in which emphasis was placed on ensuring adequate protection to cardholders. (original abstract)

Artykuł opisuje skutki zmniejszenia wysokości opłat interchange w Stanach Zjednoczonych Ameryki oraz w Unii Europejskiej. Opisuje system płatności kartą płatniczą oraz opłaty pobierane w związku z wykonywaniem i rozliczaniem transakcji. W dalszej kolejności skupia się na analizie regulacji odnoszących się do opłaty interchange, w tym uchwalonych aktów prawnych. Doświadczenia rynku finansowego Stanów Zjednoczonych wynikające z wprowadzenia tzw. Poprawki Durbina dostarczają istotnych danych pozwalających na zrozumienie kosztów opłaty interchange dla uczestników rynku usług płatniczych. Artykuł zakończony jest wnioskami, w których główny akcent skupia się na zapewnieniu odpowiedniej ochrony posiadaczom kart płatniczych. (abstrakt oryginalny)

Słowa kluczowe

EN

Payment cards; Consumer protection; Interchange fee

PL

Karty płatnicze; Ochrona konsumenta; Opłata interchange

• Czasopismo: International Business and Global Economy
• Rocznik: 2016
• Numer: nr 35/2
• Strony: 212--221

Twórcy

autor

Damian Cyman

• Uniwersytet Gdański

Bibliografia

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Identyfikatory

DOI

10.4467/23539496IB.16.058.5639