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RBA Glossary definition for ePAL

ePAL – eftpos Payments Australia Ltd

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Consultation | Proposed Variation to the MasterCard and Visa Access Regimes: Consultation Document December 2013 | Consultations

6 Dec 2013 Consultations
A retailer with a significant payments presence contrasted the restrictive entry requirements for the MasterCard and Visa schemes with the flexibility shown by both APCA and ePAL, in which the major
https://www.rba.gov.au/publications/consultations/20131206-prop-variations-to-mc-visa-access-regimes/consultation.html

Proposed Variation to the MasterCard and Visa Access Regimes: Consultation Document - December 2013

6 Dec 2013 Consultations PDF 608KB
MasterCard and Visa Access Regimes
https://www.rba.gov.au/publications/consultations/20131206-prop-variations-to-mc-visa-access-regimes/pdf/20131206-prop-variations-to-mc-visa-access-regimes.pdf

Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform

12 Jun 2012 Consultations PDF 518KB
Consultation on the Future Regulatory Framework for the EFTPOS System
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/pdf/201206-rev-reg-frmwrk-eftpos-sys-doc.pdf

Interchange Fees Standard | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 |…

8 Jun 2012 Consultations
These rates will apply to transactions with merchants that satisfy certain criteria set by EPAL. ... seek to access these fees rather than the multilateral fees set by EPAL.
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/interchange-fees-std.html

Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | Consultations

8 Jun 2012 Consultations
The paper discusses the new form of designation for the EFTPOS system. Based on the views expressed in consultation, the Payments System Board has concluded that the new form of designation should be narrow in scope, defining the EFTPOS system based
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/

Background | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | Consultations

8 Jun 2012 Consultations
The multilateral interchange fee schedule introduced by EPAL reverses the direction of interchange fees from previous bilateral arrangements on most purchase transactions. ... In addition, EPAL members may bilaterally agree to an interchange fee that is
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/background.html

Access Framework | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | Consultations

8 Jun 2012 Consultations
In general it could be expected to be in EPAL's interests to encourage participation in the system. ... system. With the establishment of EPAL's multilateral interchange fee schedule, fees for most transactions flow in the reverse direction – from the
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/access-framework.html

Introduction | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | Consultations

8 Jun 2012 Consultations
In particular, much of the current regulatory framework was put in place prior to the establishment of the new management structure for the EFTPOS system under EFTPOS Payments Australia Limited (EPAL). ... Payment Systems (Regulation) Act 1998. apply
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/intro.html

Designation of the EFTPOS System | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | …

8 Jun 2012 Consultations
the EFTPOS system would be defined to extend beyond the bounds of EPAL. ... In making its decision, the Board recognised the central governing role that EPAL has now undertaken.
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/designation-efpos-system.html

Conclusion and Next Steps | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 |…

8 Jun 2012 Consultations
Download the complete document 519. KB. The Board has decided to designate the EFTPOS system, based on a narrow definition of that system focused on EPAL's Scheme Rules. ... The practical effect of this is that any regulation imposed by the Bank in
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/conclusion-next-steps.html