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RBA Glossary definition for card issuer

card issuer – An institution that provides its customers with debit or credit cards.

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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

The Cash-use Cycle in Australia

16 Mar 2023 Bulletin – March 2023
Rochelle Guttmann, Tanya Livermore and Zhan Zhang
The use of cash for day-to-day transactions has been declining for many years and this has implications for all aspects of the cash system.
https://www.rba.gov.au/publications/bulletin/2023/mar/the-cash-use-cycle-in-australia.html

2017

6 Oct 2022 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2017/

2016

6 Oct 2022 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2016/

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

Developments in the Buy Now, Pay Later Market

18 Mar 2021 Bulletin – March 2021
Chay Fisher, Cara Holland and Tim West
The buy now, pay later (BNPL) sector is growing rapidly and new providers and business models are emerging.
https://www.rba.gov.au/publications/bulletin/2021/mar/developments-in-the-buy-now-pay-later-market.html

Retail Central Bank Digital Currency: Design Considerations, Rationales and Implications

17 Sep 2020 Bulletin – September 2020
Tony Richards, Chris Thompson and Cameron Dark
There has recently been increasing international focus on the possible issuance of central bank digital currencies (CBDC), or what might be considered a digital equivalent of banknotes.
https://www.rba.gov.au/publications/bulletin/2020/sep/retail-central-bank-digital-currency-design-considerations-rationales-and-implications.html

The Cost of Card Payments for Merchants

19 Mar 2020 Bulletin – March 2020
Kateryna Occhiutto
Data on merchants’ costs of accepting card payments show large differences in payment costs across both merchants and card systems.
https://www.rba.gov.au/publications/bulletin/2020/mar/the-cost-of-card-payments-for-merchants.html

Consumer Payment Behaviour in Australia

19 Mar 2020 Bulletin – March 2020
James Caddy, Luc Delaney, Chay Fisher and Clare Noone
The Reserve Bank’s 2019 Consumer Payments Survey has provided further evidence that Australian consumers are increasingly preferring to use electronic payment methods.
https://www.rba.gov.au/publications/bulletin/2020/mar/consumer-payment-behaviour-in-australia.html

June | 2019

20 Jun 2019 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2019/jun/