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Renny 发表于 2017-3-2 11:07 
有利于商家，不利于持卡者
美国运通年报里有一段，对商家的确是好新闻
Australia Payments Regulation
Following a formal review of the regulatory framework for card payments in Australia, the Reserve Bank of Australia adopted
new regulations on May 26, 2016, including the following:
• Interchange caps – As of July 1, 2017, the interchange fee paid on Visa and MasterCard credit transactions must not
exceed a weighted-average benchmark of 0.50 percent across all transactions, with a maximum interchange fee cap of
0.80 percent for each individual credit card transaction.
• The inclusion of our GNS business in Australia under interchange regulation, which subjects GNS payments to bank
partners to the same interchange caps and regulations that apply to Visa and MasterCard credit card transactions in
Australia, effective July 1, 2017.
• Broadening the definition of interchange fees to include any fees paid by networks to card-issuing banks as incentives to
issue cards, as well as any other net payments made to card issuers.
• Increasing the frequency of periodic weighted-average benchmark calculations from every three years to quarterly to
confirm compliance with the interchange caps. In determining compliance, all transactions at Australian merchants
(including commercial card transactions, but excluding those on foreign-issued cards) will be taken into consideration.
• Changing the rules on merchant surcharging to limit surcharging to the actual cost of card acceptance paid to the
merchant acquirer, as recorded on the merchant statement issued by the merchant acquirer; the changes took effect as of
September 1, 2016 for large merchants and will take effect September 1, 2017 for other merchants.
The inclusion of our GNS business under interchange regulation may undermine our ability to attract and retain GNS partners.
While the discount rates we agree to with merchants are not capped, the interchange caps, once effective, will likely exert
downward pressure on merchant fees across the industry, including our discount rates. |
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墨尔本一日游 (2010-5-8) dickson 
从住院医生到主治程序员，最后又当回了GP (2014-1-24) ppt123 
发表于 2017-3-1 21:02
