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RBA Glossary definition for ePAL

ePAL – eftpos Payments Australia Ltd

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

9 Mar 2023
This will be a decision for EPAL, based on its judgements about the best commercial strategy. ... Indeed, it would be possible for EPAL to decide to set a multilateral interchange fee for purchases at the current level.
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/rev-inter-stand-eftpos/options.html

Abbreviations

17 Oct 2019 PSB Annual Report – 2019
ePAL. eftpos Payments Australia Limited. ESA. Exchange settlement account. EU. European Union.
https://www.rba.gov.au/publications/annual-reports/psb/2019/abbreviations.html

The Current Agenda in Retail Payments Regulation

20 Mar 2012 Speech
Malcolm Edey
Address by Malcolm Edey to the Cards & Payments Australasia 2012 Conference, Sydney
https://www.rba.gov.au/speeches/2012/sp-ag-200312.html

Submissions on a Variation to the Surcharging Standards: Consultation on Designation

9 Mar 2023
Submissions on Review of the Regulatory Framework for the eftpos System: Consultation on Designation
https://www.rba.gov.au/payments-and-infrastructure/debit-cards/sub-rev-reg-frame-eftpos-sys/

Details of the Survey

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
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/2014/2014-05/det-survey.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

2018 Assessment of the Reserve Bank Information and Transfer System – Material Developments

9 Mar 2023
Under normal operations, ePAL submits one batch per RITS business day for settlement in the morning settlement session. ... ATM transactions processed by ePAL are currently not included in the eftpos Batch and are settled under the existing LVSS
https://www.rba.gov.au/payments-and-infrastructure/rits/self-assessments/2018/material-developments.html

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

Competition and Co-operation in Retail Payments

25 Oct 2010 PSB Annual Report – 2010
The Board has acknowledged that EPAL may wish to realign interchange fees in the interests of promoting the system. ... The establishment of EPAL has meant that some broader changes in governance structures for consumer payments are required.
https://www.rba.gov.au/publications/annual-reports/psb/2010/competition-payments.html

Abbreviations

12 Sep 2014 PSB Annual Report – 2014
EMV. Europay, MasterCard & Visa chip card standard. ePAL. eftpos Payments Australia Ltd.
https://www.rba.gov.au/publications/annual-reports/psb/2014/abbreviations.html