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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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ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia

9 Aug 2012 RDP 2012-03
Clare Noone
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2012/2012-03.html

Theoretical Models of ATM Fees and Empirical Findings

31 Dec 2012 RDP 2012-03
Clare Noone
Croft and Spencer (2004) incorporate interchange fees as well as endogenously determined foreign fees. ... Donze and Dubec (2008) use a model where only interchange fees are charged to make predictions regarding the adjustment of the ATM market in the
https://www.rba.gov.au/publications/rdp/2012/2012-03/theoretical-models-findings.html

The Model and Implications

31 Dec 2012 RDP 2012-03
Clare Noone
foreign and direct fees will shift by an amount equal to the interchange fee when the interchange fee is banned. ... That is, foreign and direct fees adjusted by twice as much as the change in the interchange fee.
https://www.rba.gov.au/publications/rdp/2012/2012-03/model-implications.html

The ATM Market in Australia

31 Dec 2012 RDP 2012-03
Clare Noone
Foreign fees adjusted in the opposite direction, by around twice the change in interchange fees. ... June 2009. May 2010. Fees for foreign ATM use. Interchange fee.
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html

Introduction

31 Dec 2012 RDP 2012-03
Clare Noone
A number of fees can be associated with a single transaction at a foreign ATM: an interchange fee (that the cardholder's bank pays to the ATM owner); a foreign fee ... ATM transaction will be unchanged, but that the change in foreign and direct fees need
https://www.rba.gov.au/publications/rdp/2012/2012-03/introduction.html

Conclusion

31 Dec 2012 RDP 2012-03
Clare Noone
Second, having three banks makes the model more realistic and provides a mechanism whereby interchange fee neutrality is maintained but foreign and direct fees no longer need to move in ... step with changes in the interchange fee, matching the
https://www.rba.gov.au/publications/rdp/2012/2012-03/conclusion.html

Appendix B: Definitions

31 Dec 2012 RDP 2012-03
Clare Noone
F. i. Account-keeping fee charged by bank i. τ. Interchange fee. ... σ. i. Direct fee charged by bank i. f. i. Foreign fee charged by bank i.
https://www.rba.gov.au/publications/rdp/2012/2012-03/appendix-b.html

References

31 Dec 2012 RDP 2012-03
Clare Noone
Journal of Economic Psychology. , 24(5), pp 589–602. Donze J and I Dubec (2006), ‘The Role of Interchange Fees in ATM Networks’,. ... International Journal of Industrial Organization. , 24(1), pp 29–43. Donze J and I Dubec (2008), ‘The Effects
https://www.rba.gov.au/publications/rdp/2012/2012-03/references.html