Review of Retail Payments Regulation – Phase 3Review of Merchant Card Payment Costs and Surcharging

Contents

• Glossary of Key Terms
• Executive Summary
• 1. Introduction
• 2. Surcharging
• 3. Interchange Fees
• 4. Scheme Fees
• 5. Transparency of Wholesale Fees
• 6. Competition in Card Acquiring Services
• 7. Least-cost Routing of Debit Card Transactions
• 8. Impact and Implementation
• References
• Appendix A: RBA Consumer Survey Questions
• Appendix B: Issuer Cost Study
• Appendix C: Transparency Requirements
• Appendix D: Varied Standards
  • Standard No. 1 of 2016
  • Standard No. 2 of 2016
  • Standard No. 3 of 2016

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ISBN 978-1-7645772-1-2