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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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The Australian Payments Landscape

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
Similar interchange fees also applied for the Visa Debit system (the only scheme debit system then in operation). ... These included setting interchange fee benchmarks for the credit card, debit card and EFTPOS systems, and removing scheme rules that
https://www.rba.gov.au/publications/rdp/2009/2009-04/australian-payments-landscape.html
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Competition Between Payment Systems

17 Apr 2009 RDP 2009-02
George Gardner and Andrew Stone
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2009/2009-02.html
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The Social Costs of Currency Counterfeiting

1 May 2015 RDP PDF 881KB
as merchant surcharges and fees.
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-05.pdf

Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey

14 Sep 2020 RDP 2020-06
James Caddy, Luc Delaney and Chay Fisher
This high rate of acceptance is likely to partly reflect reductions in merchant acceptance fees over time, which in turn has been associated with Reserve Bank interchange and surcharging regulation (Occhiutto ... To recover their costs, a merchant may
https://www.rba.gov.au/publications/rdp/2020/2020-06/full.html
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References

11 Sep 2015 RDP 2015-05
Nathan Viles, Alexandra Rush and Thomas Rohling
Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access. ,
https://www.rba.gov.au/publications/rdp/2015/2015-05/references.html
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Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey

9 Sep 2020 RDP PDF 1619KB
This high rate of acceptance is likely to partly reflect reductions in merchant acceptance fees over. ... time, which in turn has been associated with Reserve Bank interchange and surcharging regulation.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-06.pdf

Valuing Safety and Privacy in Retail Central Bank Digital Currency

4 Apr 2024 RDP PDF 1594KB
choice experiment technique. An associated challenge is that any differences in fees seen by. ... willingness to pay to switch product characteristics. It is therefore common to calibrate fees with.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-02.pdf

Appendix A: Survey Methodology

27 Nov 2023 RDP 2023-08
Tanya Livermore, Jack Mulqueeney, Thuong Nguyen and Benjamin Watson
Along with their payments, respondents were asked to include details of cash top-ups, including the value of any ATM fee paid. ... Date. Day-of-week. Cash top-up amount. ATM fee paid (dollar amount). Total value of banknotes in wallet after top-up.
https://www.rba.gov.au/publications/rdp/2023/2023-08/appendix-a.html
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The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey

21 Nov 2023 RDP PDF 2354KB
ownership and use among consumers, as well as reductions in merchant acceptance fees over time. ... 5.4 Surcharging of card transactions. To recover the cost of accepting card payments, a merchant may apply an additional fee, or.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf

The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data

8 Jun 2023 RDP PDF 1310KB
increasing their non-interest income (for example, fee income) and reducing their costs of operating. ... that interest rates have a negligible effect on US banks’ profitability, mainly because higher fees and.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf