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RBA Glossary definition for interchange fee
interchange fee – A fee paid between card issuers and acquirers when cardholders make transactions.
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The Shift to Electronic Payments – Some Policy Issues
12 Apr 2023
Speech
PDF
615KB
Speech - 2023
https://www.rba.gov.au/speeches/2023/pdf/sp-so-2023-03-28.pdf
Innovation and Regulation in the Australian Payments System
6 Dec 2020
Speech
PDF
181KB
1. interchange fee regulation. 2. dual-network debit cards and least-cost routing. ... Interchange fee regulationThe Board's view is that interchange fees should generally be as low as possible, especially in maturepayments systems.
https://www.rba.gov.au/speeches/2020/pdf/sp-gov-2020-12-07.pdf
Panic, Pandemic and Payment Preferences
5 Jun 2020
Speech
PDF
256KB
From the early days ofits work on interchange fees, the Bank has been concerned with the way in which competitionbetween payment systems works. ... Theymay not even need to surcharge – in some cases simply the threat of surcharging may be enough
https://www.rba.gov.au/speeches/2020/pdf/sp-ag-2020-06-03.pdf
An Efficient, Competitive and Safe Payments System
14 Dec 2022
Speech
PDF
638KB
Speech - 2022
https://www.rba.gov.au/speeches/2022/pdf/sp-gov-2022-12-14.pdf
11/12/2019 What's on the Cards? | Speeches ...
11 Dec 2019
PDF
156KB
One concern was the introduction of new higher interchange fees. The highest credit interchangerate had risen to 200 basis points and high debit rates were also being introduced. ... This, plus the narrowing of the interchange fee schedules,
https://www.rba.gov.au/speeches/2019/pdf/sp-so-2019-12-10.pdf
Competition and Regulation in the Card Payments Market
18 Mar 2010
Speech
PDF
39KB
Card Payments Market
https://www.rba.gov.au/speeches/2010/pdf/sp-ag-150310.pdf
A Journey Towards a Near Cashless Payments System
28 Nov 2018
Speech
PDF
315KB
TheRBA's reforms reduced average interchange fees in the Mastercard and Visa systems by around 45basis points. ... The Payments System Board will again examine the argumentsfor lower interchange fees when it next conducts a formal review of the card
https://www.rba.gov.au/speeches/2018/pdf/sp-gov-2018-11-26.pdf
13/12/2017 Merchant Payment Costs and Least-cost Routing | Speeches ...
13 Dec 2017
PDF
291KB
This should not be surprising given thatscheme fees and interchange fees have both tended to be lower for eftpos than for the internationaldebit systems. ... Merchants have typically had little ability to offset thesepressures (in the absence of
https://www.rba.gov.au/speeches/2017/pdf/sp-so-2017-12-13.pdf
Attachment: Decisions of the Payments System Board
12 May 2006
Speech
PDF
18KB
Attachment to Opening Remarks to the House of Representatives Standing Committee on Economics, Finance and Public Administration, Sydney, 15 May 2006
https://www.rba.gov.au/speeches/2006/pdf/sp-ag-150506-attachment.pdf
Presentation to Australian Bankers' Association and Australian Payments Clearing Association Forum on Payment Systems Evolution: Where to…
26 Sep 2006
Speech
PDF
374KB
Payment Systems
https://www.rba.gov.au/speeches/2006/pdf/sp-ag-270906-slides.pdf