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RBA Glossary definition for debit card

debit card – A debit card is a card that enables the holder to access funds in a deposit account at an authorised deposit-taking institution.

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Attachment 2 – Draft Variation to the Access Regimes | Proposed Variation to the MasterCard and Visa Access Regimes: Consultation Document…

6 Dec 2013 Consultations
merchant’ means a merchant in Australia that accepts a debit card for payment for goods or services;. ... debit card issuing, debit card acquiring or both. credit card issuing, credit card acquiring or both.
https://www.rba.gov.au/publications/consultations/20131206-prop-variations-to-mc-visa-access-regimes/attachment-2.html

Attachment 1 | A Variation to the Surcharging Standards: A Consultation Document | Consultations

10 Dec 2011 Consultations
a merchant from charging a Visa Debit cardholder any fee or surcharge for a credit card transaction:. ... i. a merchant from recovering part or all of the reasonable cost of acceptance of credit cards issued under the Scheme by the merchant charging fees
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/attachment-1.html

Options for Reform | Proposed Variation to the MasterCard and Visa Access Regimes: Consultation Document December 2013 | Consultations

6 Dec 2013 Consultations
However, Visa indicated that since the Access Regime strictly applied only to the credit card system, its rules may have precluded an SCCI from acquiring debit card transactions, given that an ... A draft revised Access Regime for the Visa Debit system
https://www.rba.gov.au/publications/consultations/20131206-prop-variations-to-mc-visa-access-regimes/options-reform.html

Background and Potential Issues | Review of Card System Access Regimes: A Consultation Document May 2013 | Consultations

28 May 2013 Consultations
credit and debit card transactions might not be able to join the scheme. ... In addition, debit card acquiring is not defined as ‘banking business’ under the.
https://www.rba.gov.au/publications/consultations/201305-review-card-sys-access-regimes/background-potential-issues.html

Attachment 3 | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | Consultations

8 Jun 2012 Consultations
debit card transaction’ or ‘transaction’ means a transaction in Australia using the EFTPOS system;. ... an ‘issuer’ is a participant in the EFTPOS system that issues debit cards to its customers;.
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/attachment-3.html

Insights into the Impact of Payment Systems Reforms | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 …

7 Jun 2011 Consultations
These include reforms to the charging of ATM fees, which increased their transparency and flexibility, and earlier reforms to remove rules which prevented merchants surcharging for credit and scheme debit cards. ... The application of surcharges is quite
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/impact-payment-systems-reforms.html

Introduction | Review of Card System Access Regimes: A Consultation Document May 2013 | Consultations

28 May 2013 Consultations
Introduction. As part of its payments system reforms, the Reserve Bank introduced access regimes for the MasterCard and Visa credit card systems in 2004 and for the Visa Debit system in ... The reforms have promoted efficiency and competition in the
https://www.rba.gov.au/publications/consultations/201305-review-card-sys-access-regimes/introduction.html

Some Emerging Issues | Dual-Network Cards and Mobile Wallet Technology – Consultation Paper – December 2016

10 Dec 2016 Consultations
Hence, it would be concerning if, as a new technology is adopted, protocols or rules were put in place that have the effect of reducing competition in the debit card market ... Are the issues raised relevant only to dual-network debit cards or are they
https://www.rba.gov.au/publications/consultations/201612-dual-network-cards-and-mobile-wallet-technology/some-emerging-issues.html

Background | A Variation to the Surcharging Standards: A Consultation Document December 2011 | Consultations

10 Dec 2011 Consultations
2, Merchant Pricing for Credit Card Purchases; and The ‘Honour All Cards’ Rule in the Visa Debit and the Visa Credit Card Systems and the ‘No Surcharge’ Rule in the Visa ... Paragraph 8 of the Standard titled The ‘Honour All Cards’ Rule in
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/background.html

A Variation to the Surcharging Standards: A Consultation Document – December 2011 | Consultations

10 Dec 2011 Consultations
This document provides background on surcharging practices in Australia and the current Standards it also discusses the various views from a public consultation and the Board's consideration of those views. The document also outlines the various
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/