Research and Markets: Global Regulatory Trends: Interchange Regulation

DUBLIN--()--Research and Markets ( has announced the addition of the "Global Regulatory Trends: Interchange Regulation" report to their offering.

Around the world, legislators and regulators are taking aim at interchange fees and trying to reduce or cap the amount of fees financial institutions and the global card networks can charge merchants for accepting payment card transactions.

Despite scant evidence from countries that were among the first to introduce interchange regulation that regulation achieves its intended purpose, namely increased savings to both consumers and merchants, regulatory authorities are imposing or proposing to impose debit and credit interchange rate caps and interchange revenue streams globally are under threat.

Though the full effects of interchange regulation are not felt for years after, based on empirical evidence from Spain and Australia among other countries, the cap the European Commission proposed in July 2013 will have a considerable impact on all participating countries across the region set the domestic industry back a number of years as happened following domestic regulation in Spain and Australia.

From creating standards around data privacy to classifying new payment players, European authorities have demonstrated in the past a strong desire and willingness to introduce broad reaching payments regulation. While interchange regulation in Europe prior to 2013 was largely done at the domestic level, new proposals point to a pan European approach to interchange fee regulation (however not exclusively), comments Tristan Hugo-Webb, primary author of the report.


  • Global and Europe-specific payment card usage trends
  • A summary history of interchange regulation around the world
  • An in-depth examination of the European Commission's 2013 proposals to cap debit and credit card transactions across Europe
  • A review of evidence from Spain and Australia, early adopters of interchange regulation, on the effects of regulation on the local payments industry

Key Topics Covered

Executive Summary


Global Payment Card Use Rising

  • European Payment Card Trends

The History of Interchange Regulation

  • European Interchange Developments

European Payment Services Directive (PSD2) and Interchange Fee Cap

  • Interchange Cap's Impact on EU Member States
  • Interchange Cap's Impact on Debit Card Transactions
  • Interchange Cap Impact on Credit Card Transactions
  • Potential Consequences of Proposed Interchange Regulation: United Kingdom

Interchange Regulation: Desired Outcomes and Realities

  • Interchange Regulations' Desired Outcomes
  • The Realities of Regulation in Spain and Australia
  • Global Trends in Regulatory Impacts


Companies Mentioned

- American Express

- Diner's Club

- Groupement des Cartes Bancaires

- MasterCard

- Visa

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Research and Markets
Laura Wood, Senior Manager.
U.S. Fax: 646-607-1907
Fax (outside U.S.): +353-1-481-1716
Sector: Banking and Financial Services, Cards


Research and Markets
Laura Wood, Senior Manager.
U.S. Fax: 646-607-1907
Fax (outside U.S.): +353-1-481-1716
Sector: Banking and Financial Services, Cards