Review of Retail Payments Regulation – Issues Paper –
November 2019

Australian Payments Network (2019), ‘Process for Considering Non-Standard Technologies at the Point of Interaction’, January. Available at <>.

Australian Securities and Investments Commission (2018), ‘Review of buy now pay later arrangements’, November. Available at <>.

Bendigo and Adelaide Bank & Ors (2016), A91546 & A91547, 26 July. Available at <>.

Black Economy Taskforce (2017), ‘Final Report’, October. Available at <>.

Dark C, C Fisher, K McBey and E Tellez (2018), ‘Payment Surcharges: Economics, Regulation and Enforcement’, RBA Bulletin, December.

European Commission (2013), ‘Proposal for a Regulation of the European Parliament and the Council on interchange fees for card-based payment transactions’, 24 July. Available at <>.

European Commission (2019), ‘Antitrust: Commission accepts commitments by Mastercard and Visa to cut inter-regional interchange fees’, 29 April. Available at <>.

Hayashi F and JL Maniff (2019), ‘Public Authority Involvement in Payment Card Markets: Various Countries – August 2019 Update’ Payments System Research Department, Federal Reserve Bank of Kansas., August. Available at <>.

House of Representatives Standing Committee on Economics (2017), ‘Review of the Four Major Banks (Third Report)’, 7 December. Available at <>.

Payment Systems Regulator (2018), ‘Contactless mobile payments’, A PSR Report, July. Available at <Contactless mobile payments>.

Productivity Commission (2018), ‘Competition in the Australian Financial System’, Inquiry Report No. 89, 29 June. Available at <>.

Reserve Bank of Australia (2013), ‘Dual-network Debit Cards’, Media Release No 2013-16, 21 August. Available at <>.

Reserve Bank of Australia (2016a), ‘Review of Card Payments Regulation’, Conclusions Paper, May.

Reserve Bank of Australia (2016b), Dual-Network Cards and Mobile Wallet Technology, December.

Reserve Bank of Australia (2017), ‘Payments System Board Update: November 2017 Meeting’, Media Release No 2017-24, 17 November. Available at <>.

Rochet J-C and J Tirole (2011), ‘Must-take cards: Merchant discounts and avoided costs’, Journal of the European Economic Association, 9(3), pp 462–495.

Stewart C, I Chan, C Ossolinski, D Halperin and P Ryan (2014), ‘The Evolution of Payment Costs in Australia’, RBA Research Discussion Paper No 14.

Wakefield M and R Finlay (2018), ‘Understanding Demand for Australia's Banknotes’, RBA Bulletin, December.