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#Antitrust-委员会发布有关#InterchangeFeesRegulation影响的报告

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The European Commission has published a report on the impact of the Interchange Fees Regulation (IFR) for card-based payment transactions.欧盟委员会已经发布了一份报告,说明了《交换费用条例》(IFR)对基于卡的支付交易的影响。 In line with the requirements on the IFR itself, it has been sent to the European Parliament and the Council.根据IFR本身的要求,已将其发送给欧洲议会和理事会。 The report concludes that the main objectives of the Regulation have been achieved, as interchange fees for consumer cards have decreased, leading to reduced merchants' charges for card payments, and ultimately resulting in improved services to consumers and lower consumer prices.该报告的结论是,由于减少了消费者卡的交换费,从而降低了商家的卡支付费用,最终实现了对消费者的服务并降低了消费者价格,从而实现了该法规的主要目标。

Furthermore, market integration has improved through the increased use by merchants of acquirers (banks servicing merchants) located in other member states (cross-border acquiring services) and more cross-border card transactions.此外,通过更多地使用位于其他成员国的收单行(跨境收单服务)以及更多的跨境卡交易,商家的市场整合得到了改善。 However, further monitoring and reinforced data gathering are necessary in some areas, including those where only limited time has elapsed since the regulation entered into force.但是,在某些地区,包括自法规生效以来仅经过有限时间的地区,有必要进一步监控和加强数据收集。

IFR于2015年生效的主要目标是解决高度多样化,高额和不透明的卡和基于卡的支付交易的交换费。 These fees represented an obstacle to Single Market integration and created distortions of competition, including higher costs for retailers and consumers.这些费用代表了单一市场整合的障碍,并造成了竞争扭曲,包括零售商和消费者的成本增加。

To this effect, the IFR caps interchange fees for consumer cards, introduces business rules and prohibits practices that create market barriers, such as territorial restrictions or the prevention of choice of payment brand or payment application by merchants and consumers.为此,IFR限制了消费卡的交换费,引入了业务规则,并禁止了构成市场障碍的做法,例如领土限制或阻止商人和消费者选择支付品牌或支付应用程序。 The Commission's report builds on a comprehensive委员会的报告建立在全面的 根据一项研究, 应委员会委托外部承包商对IFR的申请 发表于11年2020月XNUMX日.

It further relies on extensive additional input provided by stakeholders including major card schemes, retailers and payment service providers including business associations, consumers and national competent authorities.它进一步依赖于利益相关者(包括主要的信用卡计划,零售商和支付服务提供商,包括商业协会,消费者和国家主管部门)提供的大量额外投入。 The full press release is available完整的新闻稿可用 在线

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EU Reporter 发表来自各种外部来源的文章,表达了广泛的观点。 这些文章中的立场不一定是欧盟记者的立场。

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