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RBA Glossary definition for charge card

charge card – A charge card is a card whose holder has been granted a non-revolving credit line enabling the holder to make purchases and possibly make cash advances. A charge card does not offer extended credit; the full amount of any debt incurred must be settled at the end of a specified period.

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Summary

11 Feb 2020 DOCX 175KB
fees? The 2016 Review of Card Payments Regulation Conclusions Paper summarised complexities arising from extending interchange regulation to foreign-issued cards used in Australia. ... considered. [9: Issues Paper, Graph 4, page 7. See also ‘C1.3
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/anz.DOCX

Submission for the Review of Retail Payments Regulation

11 Feb 2020 DOCX 33KB
Some or all debit card payments should not be surcharged if debit cards have replaced cash as the payment method of choice. ... For example, charge cards are like a credit card where you choose to pay the full balance by the due date, except that you
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/liron-lightwood.DOCX

Review of Retail Payments Regulation Saurav Dutta, Lien Duong, ...

11 Feb 2020 DOCX 23KB
Payment of cash;. Payment through credit card;. Use “buy-now-pay-later” (BNPL) services. ... However, from an alternative perspective, the merchant is paying Afterpay a charge towards factoring of accounts receivable.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/curtin-university.DOCX

29th January 2020 Head of Payments Policy Department Reserve ...

11 Feb 2020 DOCX 103KB
by the lack of choice to route these payments using domestic systems like eftpos, so as to not incur higher international charges. ... Card issuers should be required to have a mix of cards with different scheme priorities across their base.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/australasian-association-of-convenience-stores.DOCX

19 February 2020 Tony Richards Head of Payments Policy ...

19 Feb 2020 DOCX 95KB
Many of Cuscal’s clients are smaller card issuers, these clients suffer a disproportionate cost per cardholder to support dual-network debit cards (DNDC), due to the need to comply with ... Q12: Is there a case for applying regulation to three-party
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/cuscal.DOCX

REVIEW OF RETAIL PAYMENTS REGULATION: ISSUES PAPER

12 Feb 2020 DOCX 55KB
In doing so, control over payments is being driven away from banks and larger payment card issuers, which drives innovation and competition. ... Are there issues that arise for the Bank’s regulatory regime for card payments or that are relevant to
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/truelayer.DOCX

29 January 2020 Head of Payments Policy Department Reserve ...

11 Feb 2020 DOCX 92KB
In addition to this, card payments are typically higher in value than transactions paid for in cash. ... Businesses get guaranteed payment when they accept credit cards, freeing them from the worry of non-payment risk.
https://www.rba.gov.au/payments-and-infrastructure/submissions/review-of-retail-payments-regulation/restaurant-and-catering-industry-association.DOCX