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RBA Glossary definition for dual-network card

dual-network card – A payment card that can be used to initiate transactions, typically from the same deposit account, for two different payment processing networks. For example, a debit card (sometimes also known as an ATM card) that can be used to make a payment via either the eftpos network or one of the international scheme networks. These cards usually have an international scheme logo (Mastercard or Visa) on one side and the eftpos logo on the other.

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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

Bulletin

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

The Effect of Least-cost Routing on Merchant Payment Costs

17 Apr 2024 Bulletin - April 2024 PDF 746KB
https://www.rba.gov.au/publications/bulletin/2024/apr/pdf/the-effect-of-least-cost-routing-on-merchant-payment-costs.pdf

Consultations

4 Apr 2024 Consultations
Index of Consultations
https://www.rba.gov.au/publications/consultations/

Payments & Infrastructure Resources – Media Releases

29 Feb 2024
Media releases relating to the Payments System
https://www.rba.gov.au/payments-and-infrastructure/resources/media-releases.html

Reserve Bank of Australia Annual Report 2023

8 Feb 2024 RBA Annual Report - 2023 PDF 9570KB
https://www.rba.gov.au/publications/annual-reports/rba/2023/pdf/rba-annual-report-2023.pdf

Glossary

22 Jan 2024
A glossary of terms used on the RBA website
https://www.rba.gov.au/glossary/

Payments System

4 Jan 2024
Overview of the Australian Payments System
https://www.rba.gov.au/payments-and-infrastructure/payments-system.html

Expectations for Tokenisation of Payment Cards and Storage of PANs

21 Dec 2023 Media Releases
The Bank has released a final set of expectations for the Tokenisation of Payment Cards and Storage of PANs, aimed at improving security, efficiency and competition for online card payments.
https://www.rba.gov.au/media-releases/2023/mr-23-37.html

Consultations

21 Dec 2023
Links to Consultations
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/consultations.html