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RBA Glossary definition for interchange fee

interchange fee – A fee paid between card issuers and acquirers when cardholders make transactions.

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Banking Fees in Australia

10 May 2007 Bulletin – May 2007
fees. Graph 2. Banks' fee income from businesses rose by 3 per cent to $5.7 billion in 2006 (Table 2). ... reflecting a fall in interchange fees and strong competition among banks for merchant business.
https://www.rba.gov.au/publications/bulletin/2007/may/2.html

Banking Fees in Australia

24 Jun 2013 Bulletin – June 2013
Jessica Pratten
The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the most recent survey suggest that banks' fee income from households continued to decline in 2012, but fee income from businesses increased substantially.
https://www.rba.gov.au/publications/bulletin/2013/jun/5.html

Payments System Review Conference

10 Apr 2008 Bulletin – April 2008
More recently, the literature has begun to consider multiple competing payment systems, each with its own interchange fee. ... Finally, another perspective was that the regulation of interchange fees has not met its objectives and should be unwound.
https://www.rba.gov.au/publications/bulletin/2008/apr/2.html

How Australians Pay: Evidence from the 2016 Consumer Payments Survey

24 Jul 2017 RDP PDF 1438KB
Reserve Bank’s reforms to interchange fees since the early 2000s, which have reduced incentives. ... a reduction in interchange fees for small/contactless card payments by one of the international.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf

RBA The Introduction of Direct Charging for ATMs

10 Apr 2009 Bulletin – April 2009
As part of the package of reforms, the interchange fee paid by the cardholder's financial institution has been eliminated and, in line with this, foreign fees have also fallen. ... In order to allow small financial institutions with very few ATMs to
https://www.rba.gov.au/publications/bulletin/2009/apr/1.html

Appendix A: Additional Detailed Results

31 Dec 2014 RDP 2014-14
Chris Stewart, Iris Chan, Crystal Ossolinski, David Halperin and Paul Ryan
Interchange fees (issuers to acquirers). 0.49. 0.04. Memo item: average withdrawal value. ... na. 0.01. Issuers – interchange fees (to acquirers). 0.16. 0.22. Acquirers – fee rebates (to merchants).
https://www.rba.gov.au/publications/rdp/2014/2014-14/appendix-a.html
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Merchant Service Fees and Market Shares for Credit and Charge Cards

17 Aug 2005 Bulletin PDF 104KB
Reserve Bank of Australia Bulletin August 2005
https://www.rba.gov.au/publications/bulletin/2005/aug/pdf/bu-0805-2.pdf

Evidence on Policy Reforms

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
Interchange fees are typically a major determinant of the per-transaction merchant service fees charged by financial institutions. ... Published interchange fees in 2013 ranged from 0.20 or 0.23 per cent for strategic merchants, up to 2.0 per cent.
https://www.rba.gov.au/publications/rdp/2014/2014-05/evi-pol-ref.html
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Cash

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
Similarly, a reduction in interchange fees for small/contactless card payments by one of the international card schemes in late 2012 may have contributed to a greater willingness by some businesses ... ATM withdrawals that incurred a fee was 28 per cent
https://www.rba.gov.au/publications/rdp/2017/2017-04/cash.html
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The Cost of Card Payments for Merchants

15 Sep 2022 Bulletin – September 2022
Troy Gill, Cara Holland and Georgia Wiley
The average cost for a merchant to accept a card payment has declined over recent years.
https://www.rba.gov.au/publications/bulletin/2022/sep/the-cost-of-card-payments-for-merchants.html