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Federal Reserve Bank of Kansas City: Interchange poplatky u platebnich karet  ve vybranych zemich
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Federal Reserve Bank of Kansas City: Interchange poplatky u platebnich karet ve vybranych zemich

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Stav z cervna 2012

Stav z cervna 2012

Published in: Economy & Finance

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  • 1. Credit and Debit Card Interchange Fees in Various Countries June 2012 Update Payments System Research Department † Federal Reserve Bank of Kansas City† Fumiko Hayashi, a senior economist, and Elizabeth Antonious, a research associate, compiled this update. The original charts are appeared in Hayashi, Fumiko. 2010. “PaymentCard Interchange Fees and Merchant Service Charges – An International Comparison,” Lydian Payments Journal, 1(3): 6-22.
  • 2. 0.0 0.5 1.0 1.5 2.0 2.5 Austria (12) Percent Belgium (11) Bulgaria (1) Cyprus (21) Czech Republic (2) Denmark (13) Estonia (13) EU cross-border (-) Finland (16) France (-) Germany (6) ( ) Per capita credit or delayed debit card transactions per year. MC no-premium Greece (6) Hungary (3) Ireland (24) Italy (10) Latvia (8) MC premium Lithuania (3) Luxembourg (57) Malta (12) Netherlands (6) Norway (16) Poland (5) Visa no-premium Portugal (19) Romania (1) Slovakia (2) 2012 Credit IF Rates: Retail (Face-to-Face) Slovenia (20) Spain (27) Visa premium Sweden (37) Switzerland (21) UK (35) Australia (77) New Zealand (103) Canada (88) US (69)2
  • 3. 0.0 0.5 1.0 1.5 2.0 2.5 Austria (12) Percent *Belgium (11) *Bulgaria (1) Cyprus (21) *Czech Republic (2) Denmark (13) *Estonia (13) *EU cross-border (-) *Finland (16) *France (-) Germany (6) MC no-premium *Greece (6) *Hungary (3) *Ireland (24) *Italy (10) *Latvia (8) MC premium *Lithuania (3) *Luxembourg (57) *Malta (12) *Netherlands (6) Norway (16) *Poland (5) Visa no-premium *Portugal (19) 2012 Credit IF Rates: Grocery *Romania (1) Slovakia (2) *Slovenia (20) Spain (27) Visa premium *Sweden (37) Switzerland (21) *UK (35) *Australia (77) ( ) Per capita credit or delayed debit card transactions per year. *No grocery specific rate set by either or both networks; retail rate from Visa, MasterCard or both applies. *New Zealand (103) Canada (88) US (69)3
  • 4. 0.0 0.5 1.0 1.5 2.0 2.5 Austria (12) Percent *Belgium (11) *Bulgaria (1) Cyprus (21) *Czech Republic (2) *Denmark (13) *Estonia (13) *EU cross-border (-) *Finland (16) *France (-) Germany (6) MC no-premium *Greece (6) *Hungary (3) *Ireland (24) Italy (10) *Latvia (8) MC premium *Lithuania (3) *Luxembourg (57) *Malta (12) *Netherlands (6) *Norway (16) *Poland (5) Visa no-premium Portugal (19) 2012 Credit IF Rates: Gas Station Romania (1) Slovakia (2) *Slovenia (20) Spain (27) Visa premium *Sweden (37) Switzerland (21) *UK (35) Australia (77) *New Zealand (103) ( ) P er capita credit or delayed debit card transactions per year. *No gas station specific rate set by either ot both networks; retail rate from Visa, MasterCard or both applies. Canada (88) US (69)4
  • 5. 0.0 0.5 1.0 1.5 2.0 2.5 3.0 Austria (12) Percent Belgium (11) Bulgaria (1) Cyprus (21) Czech Republic (2) Denmark (13) Estonia (13) EU cross-border (-) Finland (16) France (-) Germany (6) ( ) Per capita credit or delayed debit card transactions per year. MC no-premium Greece (6) Hungary (3) Ireland (24) Italy (10) Latvia (8) MC premium Lithuania (3) Luxembourg (57) Malta (12) Netherlands (6) Norway (16) Poland (5) Visa no-premium Portugal (19) Romania (1) 2012 Credit IF Rates: E-Merchant Slovakia (2) Slovenia (20) Spain (27) Visa premium Sweden (37) Switzerland (21) UK (35) Australia (77) New Zealand (103) Canada (88) US (69)5
  • 6. 10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0 0.0 Austria (38) Cents Belgium (87) Bulgaria (2) Cyprus (22) Czech Republic (18) *Denmark (183) Estonia (111) EU cross-border (-) *Finland (178) France (-) Germany (27) Greece (1) Hungary (18) MC Ireland (50) Italy (15) Visa Latvia (35) Lithuania (27) *Luxembourg (71) Domestic Malta (19) ( ) Per capita debit card transactions per year. *The domestic debit card scheme has zero interchange fees. Netherlands (132) *Norway (261) Poland (17) Retail Store (Face-to-Face) Regulated Portugal (90) Romania (4) Slovakia (21) Slovenia (37) Spain (22) 2012 Debit IF for a US$40-Equivalent Transaction: Sweden (154) Switzerland (50) UK (106) Australia (103) *New Zealand (205) *Canada (116) US (125)6
  • 7. Notes:The 2011 average exchange rates are used to convert debit card interchange fees.As for MasterCard interchange fees, Maestro fees are used for European countries and MasterCard signature debit fees are used for Australia and the United States.As for the U.S. domestic interchange fee, the average PIN debit interchange fee for exempt issuers reported by the Federal Reserve Board is used.Sources:Europehttp://www.ecb.int/pub/pdf/scpops/ecbocp131.pdfhttp://www.mastercard.com/us/company/en/whatwedo/interchange/Intra-EEA.htmlhttp://www.mastercard.com/us/company/en/whatwedo/interchange/Country.htmlhttp://www.visaeurope.com/en/about_us/our_business/fees_and_interchange.aspxAustraliahttp://www.eftposaustralia.com.au/corporate/resources/scheme-fees-and-interchange-feeshttp://www.mastercard.com.au/merchant/getting_started/interchange_rates.htmlhttp://www.visa-asia.com/ap/au/mediacenter/factsheets/interchange.shtmlNew Zealandhttp://www.mastercard.com/nz/merchant/en/interchangefees/index.htmlhttp://www.visa-asia.com/ap/nz/mediacenter/factsheets/interchange.shtmlCanadahttp://www.mastercard.com/ca/wce/PDF/MasterCard_Canada_Interchange_Rate_Programs.pdfhttp://www.visa.ca/en/aboutcan/mediacentre/interchange/interchange-reimbursement-fees/index.jspUnited Stateshttp://www.federalreserve.gov/paymentsystems/regii-average-interchange-fee.htmhttp://www.mastercard.com/us/merchant/pdf/MasterCard_Interchange_Rates_and_Criteria.pdfhttp://usa.visa.com/download/merchants/visa-usa-interchange-reimbursement-fees-april2012.pdfhttp://usa.visa.com/download/merchants/interlink-interchange-reimbursement-fees-april2012.pdf 7

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