Marked cards; Payment-card fees

American merchants paid more than $40 billion to process debit- and credit-card transactions in 2015. Despite a reform by the Federal Reserve in 2011 aimed at reducing these costs, revenue from these so-called "interchange fees" has more than doubled since the financial crisis. Retailers a...
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Format:	Artikel
Sprache:	Englisch

Erschienen:	2016

Rechteinformationen:	Nutzungsrecht: © COPYRIGHT 2016 Economist Intelligence Unit N.A. Incorporated

Schlagwörter:	Costs (Law) Credit card processing services Laws, regulations and rules Credit and debit card industry Political aspects Retailing Debit cards Credit cards Statistical data Fees & charges

Übergeordnetes Werk:	Enthalten in: The economist - London : Economist, 1843, 421(2016), 9011, Seite 71
Übergeordnetes Werk:	volume:421 ; year:2016 ; number:9011 ; pages:71

Links:	Link aufrufen

Katalog-ID:	OLC1983942324

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520			\|a American merchants paid more than $40 billion to process debit- and credit-card transactions in 2015. Despite a reform by the Federal Reserve in 2011 aimed at reducing these costs, revenue from these so-called "interchange fees" has more than doubled since the financial crisis. Retailers are still in revolt; banks are still resisting. That is not surprising, since they rely on the fees for a large and growing share of their income. American consumers favour debit and credit cards over cash by more than two to one. But this convenience comes at a cost. The seller is charged a fee for every card purchase: in America, typically 0.5% to 3% of its value. These fees are set by payment-card networks, such as Visa and MasterCard and collected by card issuers, such as Wells Fargo and JPMorgan Chase. Retailers have long argued that card networks use their market power to set excessively high fees.
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650		4	\|a Costs (Law)
650		4	\|a Credit card processing services
650		4	\|a Laws, regulations and rules
650		4	\|a Credit and debit card industry
650		4	\|a Political aspects
650		4	\|a Retailing
650		4	\|a Debit cards
650		4	\|a Credit cards
650		4	\|a Statistical data
650		4	\|a Fees & charges
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language	English
source	Enthalten in The economist 421(2016), 9011, Seite 71 volume:421 year:2016 number:9011 pages:71
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topic_facet	Costs (Law) Credit card processing services Laws, regulations and rules Credit and debit card industry Political aspects Retailing Debit cards Credit cards Statistical data Fees & charges
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abstract	American merchants paid more than $40 billion to process debit- and credit-card transactions in 2015. Despite a reform by the Federal Reserve in 2011 aimed at reducing these costs, revenue from these so-called "interchange fees" has more than doubled since the financial crisis. Retailers are still in revolt; banks are still resisting. That is not surprising, since they rely on the fees for a large and growing share of their income. American consumers favour debit and credit cards over cash by more than two to one. But this convenience comes at a cost. The seller is charged a fee for every card purchase: in America, typically 0.5% to 3% of its value. These fees are set by payment-card networks, such as Visa and MasterCard and collected by card issuers, such as Wells Fargo and JPMorgan Chase. Retailers have long argued that card networks use their market power to set excessively high fees.
abstractGer	American merchants paid more than $40 billion to process debit- and credit-card transactions in 2015. Despite a reform by the Federal Reserve in 2011 aimed at reducing these costs, revenue from these so-called "interchange fees" has more than doubled since the financial crisis. Retailers are still in revolt; banks are still resisting. That is not surprising, since they rely on the fees for a large and growing share of their income. American consumers favour debit and credit cards over cash by more than two to one. But this convenience comes at a cost. The seller is charged a fee for every card purchase: in America, typically 0.5% to 3% of its value. These fees are set by payment-card networks, such as Visa and MasterCard and collected by card issuers, such as Wells Fargo and JPMorgan Chase. Retailers have long argued that card networks use their market power to set excessively high fees.
abstract_unstemmed	American merchants paid more than $40 billion to process debit- and credit-card transactions in 2015. Despite a reform by the Federal Reserve in 2011 aimed at reducing these costs, revenue from these so-called "interchange fees" has more than doubled since the financial crisis. Retailers are still in revolt; banks are still resisting. That is not surprising, since they rely on the fees for a large and growing share of their income. American consumers favour debit and credit cards over cash by more than two to one. But this convenience comes at a cost. The seller is charged a fee for every card purchase: in America, typically 0.5% to 3% of its value. These fees are set by payment-card networks, such as Visa and MasterCard and collected by card issuers, such as Wells Fargo and JPMorgan Chase. Retailers have long argued that card networks use their market power to set excessively high fees.
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