Newsletter

Seit Ende 2006 gibt PaySys Consultancy einen Newsletter in englischer Sprache rund um Kartenzahlungen im "einheitlichen Euro-Zahlungsverkehrsraum" (SEPA) heraus. Der Newsletter informiert nicht nur über akuelle Ereignisse rund um SEPA, sondern kommentiert auch ausführlich die laufende Entwicklung.

Der PaySys SEPA-Newsletter erscheint zehnmal pro Jahr in elektronischer Form (pdf) und kostet

250 EUR pro Jahr (Einzelnutzer-Lizenz) bzw.

500 EUR pro Jahr (Firmen-Lizenz).

Um den Newsletter zu bestellen, schicken Sie bitte eine email an This email address is being protected from spam bots, you need Javascript enabled to view it (Zahlung per Überweisung) oder schicken Sie uns eine Fax-Bestellung (Zahlung per Kreditkarte).

(Ansichtsexemplare aus den Vorjahren siehe unten)

Inhalt der bisherigen Ausgaben:

Ausgabe Juni/Juli 2010
1.     Card regulation in the U.S.
2.     SEPA and other issues at payments conference in Granada
3.     German anti-trust authority opposes proposed ATM interchange
4.     Application selection in Australia

Ausgabe April/Mai 2010
1.     A SEPA strategy for ec cash/girocard
2.     Visa lowers its EU x-border debit card interchange to 0.2 %
3.     Setting an end-date: the EU Commission vs. the EPC
4.     Monnet Symposium in Madrid

Ausgabe März 2010
1.     Three-Party Systems in the SCF: Correction and Extension
2.     EU Parliament and EU Commission Pressing for an End Date
3.     The Bankruptcy of E-Clear
4.     Payment Institutions in the EU

Ausgabe Februar 2010
1.     Three-Party Systems in the SCF
2.     Principles for Interchange Fees in the SCF
3.     New European Card Schemes: Round Table of Candidates at Frankfurt Conference
4.     Anti-trust Issues in the Canadian Card Market

Ausgabe Januar 2010
1.     SCF 2.1: A new version of the SEPA Cards Framework
2.     Atos, SIA-SSB and the meaning of SEPA
3.     The "market road" to SEPA: A small example
4.     Kroes' farewell gift for Visa  

Ausgabe Dezember 2009
1.    Will PSD bring deferred settlements by merchant acquirer to an end? (by Dr. Richard Reimer)
2.    PayFair moves ahead
3.    Setting end-dates: An opinion from the Council of Ministers
4.    Surcharging: Ryanair loses in German court

Ausgabe November 2009
1.    The end of the Dutch PIN system
2.    Application selection at the POS: Merchant options
3.    US report on interchange fees
4.    an extra charge for the payment guarantee?

Ausgabe Oktober 2009
1.    Consultation on migration end-date
2.    Interchange: Decision in Hungary
3.    Interchange: Decision in New Zealand
4.    Monnet: A new run-up?

Ausgabe August/September 2009
1.    Interchange in Holland: Clarification and extension
2.    EAPS: Connecting German and Italian ATM networks
3.    Self assessment of card schemes: "We are all SEPA compliant"
4.    The ECB keeps up the pressure on banks 

Ausgabe Juli 2009
1.    The thorny issue of separation of  scheme and processing
2.    Interchange in Holland: multilateral or bilateral?
3.    The EU interchange decision: Suisse ripples
4.    German parliament against end date for national direct debits

Ausgabe Juni 2009
1.    Access to payment schemes: An opinion from the ECB
2.    What the hell is a "tourist test"?
3.    Germany allows no-surcharging rules
4.    EuroCommerce lodges complaint against Visa

Ausgabe Mai 2009
1.    Dutch Debit Card Agreement
2.    Waiting for the third card scheme
3.    CUP: New kid on the block
4.    New E-Money Directive adopted by European Parliament

Ausgabe April 2009
1.    Competition between debit cards schemes in Belgium (by Robert Wastyn)
2.    EU finds (temporary) compromise with MasterCard
3.    Visa Europe: Unwelcome letter from Brussels
4.    French banks delay SEPA Direct Debit (SDD) by one year

Ausgabe Februar/März 2009
1.    Belgian banks plan to shut down national Clearing & Settlement in 2011: Implications for
       debit cards
2.    Finnish debit cards go international - or do they?
3.    MasterCard believed to bid for Italian processor SIA-SSB
4.    German card market in decline?
5.    Cash - a product in decline?

Ausgabe Januar 2009
1.    Proposed regulation of the Australian ATM scheme
2.    Dutch retailers' vision of application selection
3.    A court decision in favour of MasterCard
4.    The "payment account": guidance from the EU commission
5.    Costs of data breaches: Figures from the U.S.

Ausgabe November/Dezember 2008
1.    The ECB's 6th SEPA Progress Report
2.    The meaning of "cross-border": A clarification of the ECB
3.    SEPA headache of French banks
4.    The SEPA vision of the Dutch competition authority
5.    PSD implementation far away from full harmonisation: surcharging, payment accounts,....

Ausgabe Oktober 2008
1.    E-Money Directive II
2.    Account-based payment services: credit institution, payment institution or e-money-
       institution?
3.    PSD implementation: German government takes a restricitve view
4.    Spain: Servired and 4B join processing forces
5.    European retailers criticise MasterCard's new acquirer fees 

Ausgabe September 2008
1.    Deutsche Bank makes the case for Monnet
2.    The proposed SDD interchange fee and the meaning of "x-border" in SEPA
3.    The proposed SDD interchange fee: Incentive for or against SDD use?

Ausgabe August 2008
1.    EU Comm and ECB support temporary debit interchange
2.    The 25th anniversary of the Dancard-scheme
3.    SEPA for Cards: A view from Spain

Ausgabe Juli 2008
1.    ATM business in the PSD
2.    Access to payment schemes
3.    Surcharging in the PSD 

Ausgabe Juni 2008
1.    No agreement on application selection
2.    Dutch PIN system declares itself SEPA-compliant
3.    First Data acquires stake in Eufiserv
4.    The SEPA end-game 

Ausgabe Mai 2008
1.    End of no-surcharge rules?
2.    Visa Europe is pushing cash-back
3.    German conflict over direct debit

Ausgabe März/April 2008
1.    EuroCommerce versus EPC
2.    ING and Postbank offer Maestro and V PAY acceptance in the Netherlands
3.    Security breach hits PCI certified retailer

Ausgabe Februar 2008
1.    Cash-back in SEPA
2.    Brand selection at the POS: A first conflict
3.    EAPS - V PAY Co-badging

Ausgabe Januar 2008
1.    SEPA for Cards: Next stop Falkenstein?
2.    SEPA for Cards: Time to pay fair?
3.    VAT treatment of financial services in the EU 

Ausgabe November/Dezember 2007
1.    The European Commission’s decision on MasterCard MIF
2.    EC rules out CB’s MERFA
3.    Neelie Kroes (DG Competition) on SEPA for Cards

Ausgabe Oktober 2007
1.    ECB Concerned about SEPA for Cards
2.    MIF and the Role of DG Competition
3.    Gross or Net Settlement: Banks versus Retailers 

Ausgabe September 2007
1.    Co-badging issues yet again
2.    The New European Debit Card Scheme
3.    War on Cash 

Ausgabe August 2007
1.    Interchange in Singapore: A Blueprint for SEPA?
2.    SEPA for Cards: So far mainly "Wait and see"
3.    The ECB's new "Impact Study"
4.    MasterCards stops plan to introduce ad valorem debit fee in UK

Ausgabe Juli 2007
1.    Domestic Interchange Ratesin SEPA: Room for Doubt
2.    The Eurosystem's 5th SEPA Progress Report

Ausgabe Juni 2007
1.    SEPA: How many cooks?
2.    Three-party systems in SEPA
3.    ePurses in SEPA

Ausgabe Mai 2007
1.    National SEPA interchange rates?
2.    Co-badging issues
3.    ECB: Oversight Framework for Card Payment Schemes 

Ausgabe März-April 2007
1.    Payment Services Directive (PSD)
2.    Capital requirements of the PSD
3.    Maestro: Set-Back in Belgium

Ausgabe Februar 2007
1.    Final Report of the Sector Inquiry
2.    EAPS Interscheme Fee
3.    Swiss ATM Interchange

Ausgabe Januar 2007
1.    BKM (Turkey) joins Berlin-Group
2.    German cooperative banks sign V Pay agreement
3.    Update: Payment Services Directive (PSD)
4.    Decision on Interchange Fees in Poland

Ausgabe Dezember 2006
1.    MasterCard publishes SEPA interchange fees for Maestro
2.    German Sparda Banks will issue Maestro cards
3.    Dutch SEPA ‘Polder-Model’ for Debit Cards

Ausgabe November 2006
1.    ECB: EFMA-speech on a SEPA for Cards and interchange fees
2.    Dutch SEPA “Polder-Model” for Debit Cards
3.    Visa goes public