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RBA Glossary definition for ePAL

ePAL – eftpos Payments Australia Ltd

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Background | Review of the Regulatory Framework for the eftpos System: Consultation on Designation March 2012 | Consultations

9 Mar 2012 Consultations
ePAL is owned and funded by 14 member institutions, including two large merchants. ... A particularly notable strategic decision made by ePAL has been the introduction of a common multilateral interchange fee schedule for the eftpos system.
https://www.rba.gov.au/publications/consultations/201203-replacing-eftpos-designation/background.html

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

Abbreviations

14 Sep 2017 PSB Annual Report – 2017
ePAL. eftpos Payments Australia Ltd. ETF. Exchange traded fund. EU. European Union.
https://www.rba.gov.au/publications/annual-reports/psb/2017/abbreviations.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

Payments System Board Annual Report 2017 - Abbreviations

12 Sep 2017 PSB Annual Report 2017 PDF 782KB
https://www.rba.gov.au/publications/annual-reports/psb/2017/pdf/abbreviations.pdf

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

9 Mar 2023
While EFTPOS Payments Australia Limited (EPAL) is not yet fully operational, its formation provides the potential for more active promotion of the system and for decisions to be made about interchange ... But without some flexibility in setting its
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/rev-inter-stand-eftpos/background.html

Payments System Board Annual Report 2012 - Regulatory Developments in Retail Payments

14 Sep 2012 PSB Annual Report 2012 PDF 358KB
https://www.rba.gov.au/publications/annual-reports/psb/2012/pdf/reg-dev-ret-pay.pdf

The Changing Way We Pay: Trends in Consumer Payments

4 Feb 2015 RDP PDF 1225KB
4 eftpos is the domestic debit network in Australia managed by eftpos Payments Australia Limited (ePAL) and owned by 12 financial institutions and 2 retailers.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-05.pdf

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

Payments System Board Annual Report 2016 - Abbreviations

12 Oct 2016 PSB Annual Report 2016 PDF 91KB
https://www.rba.gov.au/publications/annual-reports/psb/2016/pdf/abbreviations.pdf