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RBA Glossary definition for ePAL

ePAL – eftpos Payments Australia Ltd

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Abbreviations | 2020 Assessment of the Reserve Bank Information and Transfer System

9 Mar 2023
DE. Direct entry. ePAL. eftpos Payments Australia Limited. EPMO. Enterprise Project Management Office.
https://www.rba.gov.au/payments-and-infrastructure/rits/self-assessments/2020/abbreviations.html

Issues for the Review | Review of Card Payments Regulation

9 Mar 2023
Sources: ePAL; MasterCard; RBA; Visa. Broadly similar developments have also occurred with respect to the debit interchange rates of MasterCard and Visa. ... ePAL does not have ‘premium’ category cards and therefore does not have any such interchange
https://www.rba.gov.au/payments-and-infrastructure/review-of-card-payments-regulation/issues-for-review.html

Consultation | A Revised Interchange Standard for the EFTPOS System – November 2009

9 Mar 2023
Some submissions suggested that access was a relatively minor problem and that EPAL could now work to further reduce any access problems to the system.
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/rev-inter-stand-eftpos/consultation.html

Proposed Changes to the EFTPOS Interchange Standard | A Revised Interchange Standard for the EFTPOS System – November 2009

9 Mar 2023
EPAL was required to publish any multilateral interchange fees for the EFTPOS system on its website or make them available in some other way.
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/rev-inter-stand-eftpos/proposed-changes.html

Issues for the Review | Review of Retail Payments Regulation – Issues Paper

9 Mar 2023
Review of Retail Payments Regulation – Issues Paper
https://www.rba.gov.au/payments-and-infrastructure/review-of-retail-payments-regulation/issues-for-the-review.html

3. Dual-network debit cards and least-cost routing | Review of Retail Payments Regulation – Conclusions Paper

9 Mar 2023
Review of Retail Payments Regulation – Conclusions Paper
https://www.rba.gov.au/payments-and-infrastructure/review-of-retail-payments-regulation/conclusions-paper-202110/dual-network-debit-cards-and-least-cost-routing.html

Interchange Fees and Transparency of Card Payments | Review of Card Payments Regulation – May 2016 | Conclusions Paper | Submissions

9 Mar 2023
Review of Card Payments Regulation 3. Interchange Fees and Transparency of Card Payments. This Review has addressed a number of issues relating to the regulation of interchange payments. These include: issues relating to the level of interchange fees
https://www.rba.gov.au/payments-and-infrastructure/review-of-card-payments-regulation/conclusions-paper-may2016/interchange-fees-and-transparency-of-card-payments.html

Payments System Governance | Strategic Review of Innovation in the Payments System: Summary of Consultation – February 2012

9 Mar 2023
The Deloitte/ePAL submission bears some similarity to that of APCA, proposing a mix of private and public sector governance. ... Footnote. The establishment of ePAL and the separation of its rules from the relevant APCA clearing stream is an example of
https://www.rba.gov.au/payments-and-infrastructure/payments-system-regulation/past-regulatory-reviews/strategic-review-of-innovation-in-the-payments-system/summary-consultation/pay-sys-gov.html

Overview of the Payments Landscape | 2013 Self-assessment of the Reserve Bank of Australia – Systemically Important Payment Systems

9 Mar 2023
There are two main types of debit cards issued in Australia: those issued for access to the domestic eftpos system (which is managed by ePal), and those issued as international scheme
https://www.rba.gov.au/payments-and-infrastructure/financial-market-infrastructure/principles/assessment-against-responsibilities/systemically-important/2013/overview.html

Varied standards and implementation | Review of Retail Payments Regulation – Conclusions Paper

9 Mar 2023
Review of Retail Payments Regulation – Conclusions Paper
https://www.rba.gov.au/payments-and-infrastructure/review-of-retail-payments-regulation/conclusions-paper-202110/varied-standards-and-implementation.html