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A very important business in the EU…

A very important business in the EU…. 2.2 trillion Euros. 43.6 billion Transactions. 508 million People. 760 million Cards. Source: European Central Bank Press Release: Payment Statistics for 2013 (9 September 2014). I like cards…all of them. When this case started….

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A very important business in the EU…

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  1. A very important business in the EU… 2.2 trillion Euros 43.6 billion Transactions 508 million People 760 million Cards Source: European Central Bank Press Release: Payment Statistics for 2013 (9 September 2014)

  2. I like cards…all of them.

  3. When this case started…

  4. Interchange Fees: Four-Party Scheme Product Price LESS Interchange Fee Issuing Bank Acquiring Bank Product Price LESS Merchant Service Charge (Interchange Fee + Acquiring Bank Fee) Card Balance Payment Scheme Fee Scheme Fee Scheme Provider (e.g. MasterCard / Visa) Card Payment Cardholder / Customer Retailer

  5. Transaction Flow Diagram: Four-Party Scheme

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