Visa and payment processing mc
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The payment processing industry has high barriers to entry due to economies of scale, large fixed infrastructure investments, and strong network effects. The three large incumbent players, Visa, Mastercard, and American Express, cooperate to reinforce each other's competitive advantages and collectively control over 90% of the market. They also exert market power over merchants through no-discount policies and colluding to raise interchange fees. As a result, the industry enjoys very high profitability as evidenced by returns on capital of 60-70%, operating margins of 50-60%, and stock returns over 100% in the last 5 years.
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Visa and payment processing mc
- 1. Barriers to Entry: Significant • Economies of Scale • Fixed Investment: Processing infrastructure with speed and security • Network effects (Customers/Merchants) • The more retailers that accept Visa, the more valuable it is to customers • The more customers that carry Visa, the more valuable it is to merchants • Customer Captivity • High Switching Costs • Balance Transfer, Application/Credit Check, Credit Score History • Brand loyalty (rewards points) Strong Incumbent Position-Based Advantages
- 5. Strategic Interactions • 3 big players share the competitive advantage • Visa + MasterCard + Amex > 90% of market • Incumbents are largely cooperating • Reinforcing incumbent competitive advantages • V+MA uses same processor at the merchant • Strong marketing, but no real attacks on each other’s market share • Use of Market Power against merchants • Policies: No discounts or surcharges between cards/cash • Price Fixing: Rising interchange fees • One Result: Merchant litigation • Visa and MasterCard agreed to split merchant litigation settlement 66%- 33%! • Proposed settlement favorable to Visa/Mastercard
- 6. Industry Profitability: High 0% 10% 20% 30% 40% 50% 60% 70% 80% 2008 2009 2010 2011 2012 Returns on Invested Capital Visa Mastercard American Express Discover Source: Capital IQ and Google Finance. Return on equity shown for AXP and DFS. 0% 10% 20% 30% 40% 50% 60% 70% 2008 2009 2010 2011 2012 Operating Margins Visa Mastercard American Express Discover Stock Performance • ROIC: ~60-70% • Operating Margin: ~50-60% • 5-year stock performance: >100%