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RBA Glossary definition for HAC Rule

HAC Rule – Honour All Cards Rule

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Submission to Payments System Review – January 2021 | Responses and Options Paper

8 May 2024 Submissions
Individual payment schemes (such as the card schemes) also have their own rules and standards that members of those schemes must follow. ... accordance with the rules governing the operation of the system.’ Subsequent case law has provided some
https://www.rba.gov.au/publications/submissions/payments-system/submission-to-payments-system-review-01-2021/index.html

Proposed Merger Between Armaguard and Prosegur – April 2023 | Responses and Options Paper

8 May 2024 Submissions
ACDES provides rules for the exchange and distribution of wholesale cash between ACDES participants (ANZ, CBA, Westpac and NAB – the Applicants are not ACDES participants).
https://www.rba.gov.au/publications/submissions/payments-system/proposed-merger-armaguard-and-prosegur-submission-april-2023/index.html

Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates-Credit Cards as Payment Instruments

8 May 2024 Submissions
required merchants to take all cards associated with a particular scheme's brand – ‘honour-all-cards’ rules. ... In the Bankcard, MasterCard and Visa systems, participation was restricted to authorised deposit-taking institutions (ADIs), and rules
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/credit-cards-as-payment-instruments.html

Monetary Policy Decision

7 May 2024 Speech
Michele Bullock
Media Conference 7 May 2024 – Monetary Policy Decision, Sydney
https://www.rba.gov.au/speeches/2024/mc-gov-2024-05-07.html

Reserve Bank of Australia Annual Report 2023

1 May 2024 RBA Annual Report - 2023 PDF 9575KB
https://www.rba.gov.au/publications/annual-reports/rba/2023/pdf/rba-annual-report-2023.pdf

Report Highlights Benefits and Challenges of Interlinking Fast Payment Systems for Cross-border Payments

23 Apr 2024 Media Releases
The Reserve Bank of Australia (RBA) today released a report analysing the benefits, design choices and challenges associated with linking fast payment systems across countries.
https://www.rba.gov.au/media-releases/2024/mr-24-07.html

Interlinking Fast Payment Systems for Cross-border Payments

23 Apr 2024 PDF 2747KB
Interlinking arrangements involve standardised message and data requirements and a common set of rules to enable interoperability between multiple fast payment systems. ... Many of the key frictions arise from differences in technical standards,
https://www.rba.gov.au/payments-and-infrastructure/pdf/report-interlinking-fast-payment-systems-for-cross-border-payments-april-2024.pdf

RBAFOI-232441 - documents for release

18 Apr 2024 PDF 1458KB
three historical documents
https://www.rba.gov.au/information/foi/disclosure-log/pdf/232441.pdf

The Effect of Least-cost Routing on Merchant Payment Costs

18 Apr 2024 Bulletin – April 2024
Boston Dobie and Benjamin Watson
The RBA supports all merchants being able to choose the card network used to process debit transactions – a functionality known as least-cost routing (LCR) – with the aim of increasing competition and reducing the cost of accepting card payments.
https://www.rba.gov.au/publications/bulletin/2024/apr/the-effect-of-least-cost-routing-on-merchant-payment-costs.html

Bulletin

17 Apr 2024 Bulletin - April 2024 PDF 7253KB
https://www.rba.gov.au/publications/bulletin/2024/apr/pdf/bulletin-2024-04.pdf