{"id":35,"date":"2019-06-16T11:31:51","date_gmt":"2019-06-16T09:31:51","guid":{"rendered":"https:\/\/paysys.de\/wp-eng\/?page_id=35"},"modified":"2025-08-04T17:10:22","modified_gmt":"2025-08-04T15:10:22","slug":"paysys-report","status":"publish","type":"page","link":"https:\/\/paysys.de\/en\/paysys-report\/","title":{"rendered":"PaySys-Report"},"content":{"rendered":"\n\n\n\n\n\n\n\n\n\n
Focus:<\/strong><\/td>\nRetail payments in the EU with a focus on card business: markets, products & regulation<\/td>\n<\/tr>\n
Content:<\/strong><\/td>\nIndependent analyses and market research (not a copy-and-paste collection of current press releases and external analyses)<\/td>\n<\/tr>\n
Mission:<\/strong><\/td>\nWe provide well-researches and reasoned opinion and do not represent special interests<\/td>\n<\/tr>\n
Heads:<\/strong><\/td>\nTwo „nerds“ with many years of professional experience in the payment business<\/p>\n
Scope:<\/strong><\/td>\n5 issues (as PDF) per year with approx. 7 pages per issue<\/td>\n<\/tr>\n
Cost: <\/strong><\/td>\n250 euros p.a. (Company subscription for an unlimited number of emloyees)<\/td>\n<\/tr>\n
Language:<\/strong><\/td>\nEnglish and german (from 08\/2021)<\/td>\n<\/tr>\n
Age:<\/strong><\/td>\nFrom the end of 2006<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Single issues can be purchased for a fee of 50 Euro (double issue 100 Euro) plus VAT.<\/strong><\/p>\n

To subscribe to the newsletter or to order a single copy, please send an email to paysys-report@paysys.de<\/a><\/p>\n

Our General Terms and Conditions.<\/a><\/p>\n

(All issues that are older than one year are available free of charge as download – see below, scroll down the page).<\/p>\n

Contents of all issues published so far:<\/p>\n

Issue 2 (August 2025), available also in German language<\/p>\n

1. Power outage in Spain: Consequences for retail payments
\n2. Must e-money be transferable in future? On the EU COM’s reinterpretation of the definition of e-money<\/p>\n

Issue 1 (January 2025), available also in German language<\/p>\n

1. Mandatory Co-Badging for Debit Cards: A Perspective on the United States
\n2. Have the merchant service charges (MSC) for card acceptance in the EU really „almost doubled“ between 2018 and 2022?<\/p>\n

Issue 5 (December 2023), available also in German language<\/p>\n

1. SCA for Payments via EU Digital Identity Wallet: End of the Puzzle?<\/p>\n

Issue 4 (December 2023)<\/a>, available also in German language<\/p>\n

1. The Compensation Model of the Digital Euro: Mission Impossible<\/p>\n

Issue 3 (November 2023)<\/a>, available also in German language<\/p>\n

1. Developments in Card Fraud
\n2. Are the Domestic Card Schemes in the EU on the decline?<\/p>\n

Issue 2 (June 2023)<\/a>, available also in German language<\/p>\n

1. PSD3: EU Commission favours extension of surcharging ban despite criticism
\n2.\u201cNew Debit\u201d- Boom in Germany in 2022?<\/p>\n

Issue 1 (February 2023)<\/a>, available also in German languae<\/p>\n

1. Digital euro: The concept and implications for privacy
\n2. Planned AML Regulation: No anonymous payment via e-money<\/p>\n

Issue 4-5 (December 2022)<\/a>, available also in German language<\/p>\n

1. The Instant Credit Transfer: With Compulsion to the New Normal
\n2. Russia: Exclusion and sovereignty in the payment card business<\/p>\n

Issue 3 (November 2022)<\/a>, available also in German language<\/p>\n

1. The relevance of the climate change for payment business
\n2. The relative success of the German debit card scheme girocard<\/p>\n

Issue 2 (October 2022)<\/a>, available also in German language<\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Apple Pay Later: the future of BNPL?
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0 Regulation of BNPL-services<\/p>\n

Issue 1 (July 2022)<\/a>, available also in German language<\/p>\n

1.\u00a0 \u00a0 \u00a0 \u00a0Are smartphones, PCs or even cars payment instruments?
\n– the confusing definition of payment instrument in PSD2 –<\/p>\n

Issue 10 (Dezember 2021)<\/a>, available also in German language<\/p>\n

1.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0Do Mastercard and Visa dominate the European card market?
\nAppendix: Market shares of card schemes in the EU<\/p>\n

Issue 8-9 (Dezember 2021)<\/a>, available also in German language<\/p>\n

1.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0To regulate or not to regulate: Big Tech and banking regulators
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Card Scheme Fees: still a bone of contention
\nAppendix: Increase in Card Scheme Fees in\u00a0 Germany According to CMSPI
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Amazon UK puts the brakes on Visa: Big Tech versus Big Scheme<\/p>\n

Issue 6-7 (November 2021)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 PSD2: The Limited Network Exclusion (LNE)
\nAppendix: Genese of the LNE in EMD and PSD<\/p>\n

Issue 5 (October 2021)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 European Payments Initiative (EPI): German savings banks plan to put some money on the table
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 EPI, the end of Maestro and the co-badging issue<\/p>\n

Issue 4 (July 2021)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Covid-year 2020: Skid marks in European card business
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Cross-border acquiring in Europe: new figures<\/p>\n

Issue 2-3 (Mai 2021)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Planned EU regulation of crypto assets: New wine in old and new wineskins!
\nAppendix: Asset-referenced token (ART) as regulatory response to Libra 1.0
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 POS terminals in Europe: Update<\/p>\n

Issue 1 (March 2021)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Is there a future for a European payments scheme?<\/p>\n

Issue 10 (December 2020)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The EU Commissions Retail Payments Strategy for the EU
\nAppendix: Update market shares of the domestic card schemes in the EU 2019<\/p>\n

Issue 8-9 (December 2020)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pandemic and card business: the hoped-for V-curve
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 IFR: Idiosyncratic interpretations by the Commission<\/p>\n

Issue 7 (November 2020)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 What to make of the ECB\u2019s Sixth Report on Card Fraud<\/p>\n

Issue 6 (October 2020)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Danish Dankort: Competitive pressure from Mastercard & Visa
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Netherlands: Market foreclosure by Interchange Fee agreements<\/p>\n

Issue 5 (July 2020)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 POS terminals in Europe: A closer look
\nUpdate: Cross-Border Acquiring in Europe<\/p>\n

Issue 3-4 (May 2020)<\/a><\/p>\n

1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Impact analysis of IF-Regulation: The loser is\u2026..
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Has the IFR boosted the European card business?<\/p>\n

Issue 1-2 (March 2020)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Interchange Fee Regulation: Diverging Assessment Reports
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Consumer credit by credit cards in Europe: more payments – more credit?<\/p>\n

Issue 9-10 (December 2019)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Payments: no longer a boring plumbing business
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Apple versus the banks: „Lex Apple Pay“ and beyond
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The PEPSI challenge<\/p>\n

Issue 8 (November 2019)<\/a>
\n1:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Rising of Card Scheme Fees: Circumvention of the IF Regulation?
\nUpdate: MArket shares of the domestic card schemes in the EU 2018<\/p>\n

Issue 6-7 (September 2019)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Facebook’s Libra: Game changer or non-starter?
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Facebool’s Libra: E-Money or not?
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The 1 million euro Wirecards-Aldi deal
\nLetter to the Editor to „SEPA for Cards“<\/p>\n

Issue 5 (July 2019)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 SEPA for cards: rising from the dead<\/p>\n

Issue 3-4 (May\/June 2019)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Are domestic card schemes extinct species in Europe?
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Why is the German national scheme „girocard“ rocketing
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Payment speed: Cash versus Cards<\/p>\n

Issue 2 (March 2019)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Danish national cost duty for payments – cost has fallen 50%
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mobile, cards and instant payments: friends or foes?<\/p>\n

Issue 1 (February 2019)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 \u00a0 UnionPay: Card Champion of the World
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Alipay’s e-money license in Europe<\/p>\n

Issue 9-10 (December 2018)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Drastic anti-cash regulation: the future in cards?
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sucharge I: Brexit
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Surcharge II: PayPal (Flixbus)<\/p>\n

Issue 8 (November 2018)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Denmark. Domestic card scheme under pressure?
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Update of Reg. 924: Card issuers, wake up!<\/p>\n

Issue 7 (October 2018)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Card fraud in Europe
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Donald Trump – Father of the European Card Scheme?<\/p>\n

Issue 6 (August 2018)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 „Vollgeld“, virtual currencies and the idea of a cashless world
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 UK PSR plans to undertake an acquiring review<\/p>\n

Issue 4-5 (July 2018)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 IFR: A debit card is „definitely“ not a credit card
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 IFR: Relevance of „Universal Cards“
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 IFR: Violations by German card issuers?<\/p>\n

Issue 2-3 (May 2018)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Regulation 924: Lex Britannica
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Regulation 924: Currency conversion
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Payment relevance of geo-blocking regulation<\/p>\n

Issue 1 (February 2018)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Judgment of the European Court of Justice on Interchange Fee Regulation
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 SCA & remote payment transactions: still without clarity<\/p>\n

Issue 9-10 (December 2017)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mobile wallets at the POS: success is not a foregone conclusion
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 E-Loyalty Currency: A Regulatory Gap
\n3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Threatened anonymity of internet payments: 5AMLD updated<\/p>\n

Issue 8 (December 2017)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 ECB publishes study on the use of cash
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Application selection at the POS: A field test<\/p>\n

Issue 6-7 (November 2017)<\/a>
\n1. \u00a0 \u00a0 \u00a0 Exemptions from Strong Customer Authentication
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Cash & Cards: Insights from the new ECB payment statistics<\/p>\n

Issue 5 (August 2017)<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Fuel cards and PSD2: There is more than meets the eye
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Last and least: Payment experience in Prague<\/p>\n

Issue 3-4 (July 2017)<\/a>
\n1. \u00a0 \u00a0 \u00a0 The Interchange Fee Regulation and the Greek way to tigger a less-cash society
\n2. \u00a0 \u00a0 \u00a0 Ec cash: Fake news from Germany?
\n3.\u00a0 \u00a0 Last and least: Payment experience in Prague<\/p>\n

Issue 2 (March 2017)<\/a>
\n1. \u00a0 \u00a0 \u00a0 A new payment scheme in Switzerland – hype or hope?
\n2. \u00a0 \u00a0 \u00a0 The PSD2, the ECB, the EBA and the application of SCA to POS transactions<\/p>\n

Issue 1 (February 2017):<\/a>
\n1. \u00a0 \u00a0 \u00a0 Walltes are all the rage: But what is a wallet?
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The inconsistency of card-related ECB-stastistics<\/p>\n

December 2016 issue:<\/a>
\n1. \u00a0 \u00a0 \u00a0 EU Regulators Must Deliver on Credit Transfer Consumer Redress
\n2. \u00a0 \u00a0 \u00a0 \u201cStill crazy after all these years\u201d<\/p>\n

December 2016 issue:<\/a>
\n1. \u00a0 \u00a0 \u00a0 UK card fraud increases
\n2. \u00a0 \u00a0 \u00a0 India: De-Monetisation or Demon-Etisation?
\n3. \u00a0 \u00a0 \u00a0 Nets: Successful IPO and set-back in mobile payments<\/p>\n

November 2016 issue:<\/a>
\n1. \u00a0 \u00a0 \u00a05AMLD: The end of anonymous online payments<\/p>\n

October 2016 issue:<\/a>
\n1. \u00a0 \u00a0 \u00a0The EBA\u2019s Regulatory Technical Standards: Regulation gone astray<\/p>\n

August 2016 issue:<\/a>
\n1. \u00a0 \u00a0 \u00a0France: War of the Card Schemes
\n2. \u00a0 \u00a0 \u00a0JCB technology for Danish Debit Card Scheme<\/p>\n

June 2016 issue:<\/a>
\n1.\u00a0 \u00a0 \u00a0Brexit: Possible Impacts on UK Consumer Payments
\n2. \u00a0 \u00a0 \u00a0Internet Payments in Germany: Diversity is king
\n3. \u00a0 \u00a0 \u00a0MasterCard said to be bidding for VocaLink
\n4. \u00a0 \u00a0 \u00a0The mysterious third party card issuer in the PSD2<\/p>\n

April 2016 issue:<\/a>
\n1.\u00a0 Implementing application selection at the POS
\n2.\u00a0 Nets‘ Annual Report 2015 full of great surprises
\n3.\u00a0 Missing harmonization of IFR regarding commercial card<\/p>\n

February 2016 issue:<\/a>
\n1.\u00a0 Recent trends in Italian card payments
\n2.\u00a0 The EBA\u2019s Discussion Paper on \u201eRegulatory Technical Standards\u201c
\n3.\u00a0 Swish \u2013 Sweden\u2019s blueprint for a European real-time P2P system?<\/p>\n

December 2015 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 PSD2 requires harmonized and technology-neutra interpretation of definitions
\n2.\u00a0\u00a0\u00a0\u00a0 Square\u2019s debut on the stock exchange
\n3.\u00a0\u00a0\u00a0\u00a0 First Russian National Card Scheme launched
\n4.\u00a0\u00a0\u00a0\u00a0 Amex UK is subject to the interchange fee caps<\/p>\n

November 2015 issue:<\/a>
\n1.\u00a0 IF-Regulation & American Express: In or Out?
\n2.\u00a0 Trial against Cash
\n3.\u00a0 Varoufakis\u00b4 plan for a new payment scheme<\/p>\n

September 2015 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 SEPA for Cards: Completed or not? An inventory
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Apple Pay: Difficulties outside the US
\n3.\u00a0\u00a0\u00a0\u00a0 Fraud with Australian NFC cards alarms regulators<\/p>\n

July 2015 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Fourth ECB report on card fraud published
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 German discounters are accepting credit cards
\n3.\u00a0\u00a0\u00a0\u00a0 Lessons learned from the Greek tragedy<\/p>\n

June 2015 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 IF Regulation and the Practice of Double Counting
\n2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Visa Europe for Sale: The End of a Vision?
\n3.\u00a0\u00a0\u00a0\u00a0 Brexit: The Winners are moving companies and lawyers<\/p>\n

April 2015 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 EU Commission publishes final report on cash- and card-costs
\n2.\u00a0\u00a0\u00a0\u00a0 ECB card payment statistics: The missing 792 billions Euro<\/p>\n

January 2015 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 IF regulation: Is it the end or just a beginning?
\n2.\u00a0\u00a0\u00a0\u00a0 Who are the new kids on the regulatory PSD II-block?<\/p>\n

November\/December issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Presidency reaches compromise on PSD 2<\/p>\n

October 2014 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Presidency on interchange fee regulation: version 2
\n2.\u00a0\u00a0\u00a0\u00a0 PSD II: A new definition of „acquiring<\/p>\n

September 2014 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Apple PAY: another chapter of the m-payment saga
\n2.\u00a0\u00a0\u00a0\u00a0 Amazon’s interpretation of „e-money“<\/p>\n

July\/August 2014 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 PSD 2 and the battle over access to payment accounts
\n2.\u00a0\u00a0\u00a0\u00a0 Domestic card schemes: the ghosts that haunt SEPA for Cards
\n3.\u00a0\u00a0\u00a0\u00a0 Presidency draft compromise on regulation of interchange fees<\/p>\n

June 2014 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 More on the ECB’s card report
\n2.\u00a0\u00a0\u00a0\u00a0 Host Card Emulation (HCE): Coming soon to your door?<\/p>\n

May 2014 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Regulatory IF reduction in Poland 2014 and the tourist test application
\n2.\u00a0\u00a0\u00a0\u00a0 The Euro Retail Payments Board: start and outlook<\/p>\n

April 2014 issue:<\/a>
\n1. \u00a0 \u00a0 ECB demands a renewed focus on cards
\n2.\u00a0\u00a0\u00a0\u00a0 Russian Lessons for „SEPA for Cards“
\n3.\u00a0\u00a0\u00a0\u00a0 Does the ECB propose a new e-money definition?<\/p>\n

March 2014 issue:<\/a>
\n1. \u00a0 \u00a0 ECB Secure Pay Recommendations for the Security of Internet Payments. The clock is\u00a0\u00a0 ticking.
\n2.\u00a0\u00a0\u00a0\u00a0 More on the proposed interchange regulation
\n3.\u00a0\u00a0\u00a0\u00a0 The mystery of non-regulated „massive payment volumes“ in Europe<\/p>\n

February 2014 issue:<\/a>
\n1. \u00a0 \u00a0 Results of the Payment Costs study of the EU Commission
\n2.\u00a0\u00a0\u00a0\u00a0 MasterCard’s legal interchange battles likely to continue<\/p>\n

January 2014 issue:<\/a>
\n1. \u00a0 \u00a0 Will the PSD II pave the way for EURO-ELV?
\n2.\u00a0\u00a0\u00a0\u00a0 PSD II: Baseless extension of regulation – the missing case for the inclusion of „limited networks“
\nLetters to the editor<\/p>\n

December 2013 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 IF-Regulation – comments of the EP committees
\n2.\u00a0\u00a0\u00a0\u00a0 IF-Caps: Retailer benefits of 6 billion \u20ac per year?<\/p>\n

November 2013 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 SecuRe Pay: Be SuRe to hear more of it
\n2.\u00a0\u00a0\u00a0\u00a0 Card Payments in the Netherlands: No innovation anymore?
\n3.\u00a0\u00a0\u00a0\u00a0 Scope of the proposed IF-Regulation: Which scheme is in and which is out?<\/p>\n

September\/October 2013 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 The proposed regulation of business rules
\n2.\u00a0\u00a0\u00a0\u00a0 More on the proposed interchage regulation
\n3.\u00a0\u00a0\u00a0\u00a0 Meanwhile in the US<\/p>\n

August 2013 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 The proposed Regulation on Interchange Fees
\n2.\u00a0\u00a0\u00a0\u00a0 New Study of the Social Costs of Cash and Cards in Germany<\/p>\n

July 2013 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 The expected PSD II
\n2.\u00a0\u00a0\u00a0\u00a0 The ECB on e-money and virtual currencies: Does the regulator know the regulations?
\n3.\u00a0\u00a0\u00a0\u00a0 German Competition Authority favours bilateral negotiations on card fees<\/p>\n

June 2013 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Visa Europe proposes reduced interchange
\n2.\u00a0\u00a0\u00a0\u00a0 New cost study: New Interchange caps for debit and credit cards?
\n3.\u00a0\u00a0\u00a0\u00a0 SEPA-compliant or SCF-compliant: to be or not to be (follow-up)<\/p>\n

April\/Mai 2013 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 New regulatory initiatives from the European Commission
\n2.\u00a0\u00a0\u00a0\u00a0 Rumours about Visa Europe
\n3.\u00a0\u00a0\u00a0\u00a0 China’s UnionPay: WTO demands a change of rules<\/p>\n

March 2013 issue:<\/a>
\n1. \u00a0 \u00a0 UK government plans new payment regulator
\n2.\u00a0\u00a0\u00a0\u00a0 SEPA-compliant or SCF-compliant: to be or not to be?
\n3.\u00a0\u00a0\u00a0\u00a0 Another European e-purse scheme is shut down<\/p>\n

February 2013 issue:<\/a>
\n1. \u00a0 \u00a0 Intra-EU x-border eCommerce: Another „SEPA success story“?
\n2.\u00a0\u00a0\u00a0\u00a0 The success of the „m-terminal“
\n3.\u00a0\u00a0\u00a0\u00a0 EU payment regulation: What comes next?<\/p>\n

January 2013 issue:<\/a>
\n1. \u00a0 \u00a0 European acquiring: Do the banks sell out?
\n2.\u00a0\u00a0\u00a0\u00a0 Australian debit: Reversal of interchange
\n3.\u00a0\u00a0\u00a0\u00a0 Effects to consumer prices of mandatory decrease of interchange fees in Spain<\/p>\n

December 2012 issue:<\/a>
\n1. \u00a0 \u00a0 EuroCommerce on the basic payment application
\n2.\u00a0\u00a0\u00a0\u00a0 New study on the effects of mandatory decrease of interchange fees in Spain<\/p>\n

November 2012 issue:<\/a>
\n1. \u00a0 \u00a0 European Parliament passes payment resolution<\/p>\n

October 2012 issue:<\/a>
\n1. \u00a0 \u00a0 Green Paper Follow Up: The EU Commission’s Road Map
\n2.\u00a0\u00a0\u00a0\u00a0 Surcharging: News from Australia and the UK
\n3. \u00a0 \u00a0 giropay, eps and MyBank: Towards European e-payments?
\n4.\u00a0\u00a0\u00a0\u00a0 Cost of payment studies: A sound basis for regulation?<\/p>\n

September 2012 issue:<\/a>
\n1. \u00a0 \u00a0 The wonderful world of anti-money-laundering regulation
\n2.\u00a0\u00a0\u00a0\u00a0 Green Paper: EU Parliament preparing an opinion
\n3.\u00a0\u00a0\u00a0\u00a0 Is the ECB the originator of the idea of a Basic Payment Application (BPA)?<\/p>\n

July\/August 2012 issue:<\/a>
\n1. \u00a0 \u00a0 NETS to acquire Finnish payment giant Luottokunta
\n2.\u00a0\u00a0\u00a0\u00a0 The Basic Payment Application (BPA) requires a basic discussion
\n3.\u00a0\u00a0\u00a0\u00a0 eCommerce platforms and the PSD
\n4.\u00a0\u00a0\u00a0\u00a0 Yet another faltering m-payment co-operation<\/p>\n

June 2012 issue:<\/a>
\n1. \u00a0 \u00a0 EU internet payments: eps\/giropay\/iDeal cooperation stalls
\n2.\u00a0\u00a0\u00a0\u00a0 ePurses in Europe: another scheme in decline
\n3.\u00a0\u00a0\u00a0\u00a0 SEPA-boost for x-border card payments?<\/p>\n

May 2012 issue:<\/a>
\n1. \u00a0 \u00a0 Italian government restricts cash payments
\n2.\u00a0\u00a0\u00a0\u00a0 Restrictions on cash usage in some other countries
\n3.\u00a0\u00a0\u00a0\u00a0 EU court rules against MasterCard
\n4.\u00a0\u00a0\u00a0\u00a0 Thumbs down for Monnet<\/p>\n

M\u00e4rz\/April 2012 issue:<\/a>
\n1. \u00a0 \u00a0 Interoperability in the world of cards?
\n2.\u00a0\u00a0\u00a0\u00a0 M-payments: Head: you win; tail: I lose
\n3.\u00a0\u00a0\u00a0\u00a0 Canadian Task Force for the Payments System Review<\/p>\n

February 2012 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 A note to our readers
\n2.\u00a0\u00a0\u00a0\u00a0 Italian government wants to reduce MSCs
\n3.\u00a0\u00a0\u00a0\u00a0 ELV: A life in SEPA?
\n4.\u00a0\u00a0\u00a0\u00a0 UK government wants to restrict surcharging<\/p>\n

January 2012 issue:<\/a>
\nEU Commission publishes Green Paper on Payments<\/p>\n

December 2011 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 In search of a European e-money champion: And the winner is… Luxembourg?
\n2.\u00a0\u00a0\u00a0\u00a0 Recent developments in the Italian debit card market
\n3.\u00a0\u00a0\u00a0\u00a0 A „National Payment Council“ for Denmark<\/p>\n

November 2011 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 In search of a European card scheme: And the winner is… EUFISERV!?
\n2. \u00a0\u00a0\u00a0 New Kid on the Block: the ECB’s Peter Praet on SEPA
\n3.\u00a0\u00a0\u00a0\u00a0 E-commerce growth in Denmark is falling by 40 %
\n4. \u00a0 \u00a0 Regulation of debit card interchange fees in the US: The battle continues<\/p>\n

September\/October 2011 issue:<\/a>
\n1. \u00a0 \u00a0 Surcharging partly allowed in Denmark
\n2.\u00a0\u00a0\u00a0\u00a0 A question of governance
\n3.\u00a0\u00a0\u00a0\u00a0 Regulation of debit card interchange fees in the US: A first casualty
\n4.\u00a0\u00a0\u00a0\u00a0 DG Competition keeps pressure on banks<\/p>\n

August 2011 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Co-badging woes: Visa versus CUP and BC Card
\n2.\u00a0\u00a0\u00a0\u00a0 The evolving regulation of co-badging in the USA and the EU
\n3.\u00a0\u00a0\u00a0\u00a0 M-Payments: the acquiring side<\/p>\n

June\/July 2011 issue:<\/a>
\n1. \u00a0 \u00a0 French Anti-trust Authority decision on MIF
\n2.\u00a0\u00a0\u00a0\u00a0 Fed issues final interchange rules for debit cards
\n3.\u00a0\u00a0\u00a0\u00a0 Surcharging rules included in Consumer Protection Directive
\n4. \u00a0 \u00a0 EBA Clearing plans move into internet payments<\/p>\n

May 2011 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 The 4-yrs-pregnancy of Monnet will come to an end
\n2.\u00a0\u00a0\u00a0\u00a0 Cartes Bancaires proposes lower interchange fees
\n3.\u00a0\u00a0\u00a0\u00a0 „Super-complaint“ against surcharching in the UK
\n4.\u00a0\u00a0\u00a0\u00a0 „IBAN the terrible“: German politicians critical of SEPA
\n5.\u00a0\u00a0\u00a0\u00a0 ECB and OeNB payment conference<\/p>\n

April 2011 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 ECB comments on end-date proposal
\n2.\u00a0\u00a0\u00a0\u00a0 German banking and business associations comment on end-date regulation
\n3.\u00a0\u00a0\u00a0\u00a0 „Overlay systems“: the view of German anti-trust authorities
\n4.\u00a0\u00a0\u00a0\u00a0 Proposed German AML rule threaten to kill anonymous prepaid<\/p>\n

March 2011 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Payment visions of the Dutch competition authority NMa
\n2.\u00a0\u00a0\u00a0\u00a0 Direct charging of cardholders for cross-border ATM withdrawals
\n3. \u00a0 \u00a0 The number of Payment Institutions expands<\/p>\n

February 2011 issue:
\n<\/a>1.\u00a0\u00a0\u00a0\u00a0 SEPA Cards Framework: SEPA-MIF vs. domestic MIF
\n2.\u00a0\u00a0\u00a0\u00a0 EPC critique of proposed end-date regulation
\n3. \u00a0 \u00a0 Italian anti-trust watchdog fines MasterCard and eight Italian banks
\n4.\u00a0\u00a0\u00a0\u00a0 Belgian debit card scheme will become SEPA-compliant<\/p>\n

January 2011 issue<\/a>:
\n<\/a>1.\u00a0\u00a0\u00a0\u00a0 Proposed debit card regulation in the U.S.
\n2.\u00a0\u00a0\u00a0\u00a0 Estimating payment costs
\n3.\u00a0\u00a0\u00a0\u00a0 French banks oppose proposed end-date regulation<\/p>\n

December 2010 issue:
\n<\/a>1.\u00a0\u00a0\u00a0\u00a0 Developments in SEPA Standardisation Efforts
\n2.\u00a0\u00a0\u00a0\u00a0 EU Commission Proposal for an End-date Regulation<\/p>\n

November 2010 issue:
\n<\/a>1.\u00a0\u00a0\u00a0\u00a0 Unbundled Pricing of Merchant Service Charge
\n2.\u00a0\u00a0\u00a0\u00a0 The ECB’s 7th SEPA Progress Report
\n– SEPA migration end date
\n– An additional European card scheme and the role of interchange
\n– Payment card security<\/p>\n

October 2010 issue:
\n<\/a>1.\u00a0\u00a0\u00a0\u00a0 Italian Antitrust Authority reduces Multilateral Interbank Fees
\n2.\u00a0\u00a0\u00a0\u00a0 The ECB’s 7th SEPA Progress Report
\n3.\u00a0\u00a0\u00a0\u00a0 To Compete or not to Compete – the „Scheme“ as the Hamlet of the SEPA Drama
\n4.\u00a0\u00a0\u00a0\u00a0 EU Commission Schedules Hearing on Migration End-date<\/p>\n

September 2010 issue:<\/a>
\n1.\u00a0\u00a0 \u00a0 Canadian regulation of payment card networks
\n2. \u00a0 \u00a0 German savings banks want to go ahead with ec cash 2.0
\n3. \u00a0 \u00a0 Surcharging criticized by UK consumer body
\n4. \u00a0 \u00a0 A conflict in Brussels that may delay end-date regulation?<\/p>\n

August 2010 issue:<\/a>
\nSpecial topic: Setting an end-date: the discussion continues<\/p>\n

June\/July 2010 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Card regulation in the U.S.
\n2.\u00a0\u00a0\u00a0\u00a0 SEPA and other issues at payments conference in Granada
\n3. \u00a0 \u00a0 German anti-trust authority opposes proposed ATM interchange
\n4.\u00a0\u00a0\u00a0\u00a0 Application selection in Australia<\/p>\n

April\/May 2010 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 A SEPA strategy for ec cash\/girocard
\n2.\u00a0\u00a0\u00a0\u00a0 Visa lowers its EU x-border debit card interchange to 0.2 %
\n3. \u00a0 \u00a0 Setting an end-date: the EU Commission vs. the EPC
\n4.\u00a0\u00a0\u00a0\u00a0 Monnet Symposium in Madrid<\/p>\n

March 2010 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Three-Party Systems in the SCF: Correction and Extension
\n2.\u00a0\u00a0\u00a0\u00a0 EU Parliament and EU Commission Pressing for an End Date
\n3.\u00a0\u00a0\u00a0\u00a0 The Bankruptcy of E-Clear
\n4.\u00a0\u00a0\u00a0\u00a0 Payment Institutions in the EU<\/p>\n

February 2010 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 Three-Party Systems in the SCF
\n2.\u00a0\u00a0\u00a0\u00a0 Principles for Interchange Fees in the SCF
\n3.\u00a0\u00a0\u00a0\u00a0 New European Card Schemes: Round Table of Candidates at Frankfurt Conference
\n4.\u00a0\u00a0\u00a0\u00a0 Anti-trust Issues in the Canadian Card Market<\/p>\n

January 2010 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0 SCF 2.1: A new version of the SEPA Cards Framework
\n2.\u00a0\u00a0\u00a0\u00a0 Atos, SIA-SSB and the meaning of SEPA
\n3.\u00a0\u00a0\u00a0\u00a0 The „market road“ to SEPA: A small example
\n4.\u00a0\u00a0\u00a0\u00a0 Kroes‘ farewell gift for Visa<\/p>\n

December 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Will PSD bring deferred settlements by merchant acquirer to an end? (by Dr. Richard Reimer)
\n2.\u00a0\u00a0\u00a0 PayFair moves ahead
\n3.\u00a0\u00a0\u00a0 Setting end-dates: An opinion from the Council of Ministers
\n4.\u00a0\u00a0\u00a0 Surcharging: Ryanair loses in German court<\/p>\n

November 2009 issue:
\n<\/a>1.\u00a0\u00a0\u00a0 The end of the Dutch PIN system
\n2.\u00a0\u00a0\u00a0 Application selection at the POS: Merchant options
\n3. \u00a0\u00a0 US report on interchange fees
\n4.\u00a0\u00a0\u00a0 An extra charge for the payment guarantee?<\/p>\n

October 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Consultation on migration end-date
\n2.\u00a0\u00a0\u00a0 Interchange: Decision in Hungary
\n3. \u00a0\u00a0 Interchange: Decision in New Zealand
\n4.\u00a0\u00a0\u00a0 Monnet: A new run-up?<\/p>\n

August\/September 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Interchange in Holland: Clarification and extension
\n2.\u00a0\u00a0\u00a0 EAPS: Connecting German and Italian ATM networks
\n3. \u00a0\u00a0 Self assessment of card schemes: „We are all SEPA compliant“
\n4.\u00a0\u00a0\u00a0 The ECB keeps up the pressure on banks<\/p>\n

July 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 The thorny issue of separation of\u00a0 scheme and processing
\n2.\u00a0\u00a0\u00a0 Interchange in Holland: multilateral or bilateral?
\n3.\u00a0\u00a0\u00a0 The EU interchange decision: Suisse ripples
\n4.\u00a0\u00a0\u00a0 German parliament against end date for national direct debits<\/p>\n

June 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Access to payment schemes: An opinion from the ECB
\n2.\u00a0\u00a0\u00a0 What the hell is a „tourist test“?
\n3.\u00a0\u00a0\u00a0 Germany allows no-surcharging rules
\n4.\u00a0\u00a0\u00a0 EuroCommerce lodges complaint against Visa<\/p>\n

May 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Dutch Debit Card Agreement
\n2.\u00a0\u00a0\u00a0 Waiting for the third card scheme
\n3.\u00a0\u00a0\u00a0 CUP: New kid on the block
\n4.\u00a0\u00a0\u00a0 New E-Money Directive adopted by European Parliament<\/p>\n

April 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Competition between debit cards schemes in Belgium (by Robert Wastyn)
\n2.\u00a0\u00a0\u00a0 EU finds (temporary) compromise with MasterCard
\n3.\u00a0\u00a0\u00a0 Visa Europe: Unwelcome letter from Brussels
\n4.\u00a0\u00a0\u00a0 French banks delay SEPA Direct Debit (SDD) by one year<\/p>\n

February\/March 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Belgian banks plan to shut down national Clearing & Settlement in 2011: Implications for
\ndebit cards
\n2.\u00a0\u00a0\u00a0 Finnish debit cards go international – or do they?
\n3.\u00a0\u00a0\u00a0 MasterCard believed to bid for Italian processor SIA-SSB
\n4.\u00a0\u00a0\u00a0 German card market in decline?
\n5.\u00a0 \u00a0 Cash – a product in decline?<\/p>\n

January 2009 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Proposed regulation of the Australian ATM scheme
\n2.\u00a0\u00a0\u00a0 Dutch retailers‘ vision of application selection
\n3.\u00a0\u00a0\u00a0 A court decision in favour of MasterCard
\n4.\u00a0\u00a0\u00a0 The „payment account“: guidance from the EU commission
\n5.\u00a0\u00a0\u00a0 Costs of data breaches: Figures from the U.S.<\/p>\n

November\/December 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 The ECB’s 6th SEPA Progress Report
\n2.\u00a0\u00a0\u00a0 The meaning of „cross-border“: A clarification of the ECB
\n3.\u00a0\u00a0\u00a0 SEPA headache of French banks
\n4.\u00a0\u00a0\u00a0 The SEPA vision of the Dutch competition authority
\n5.\u00a0\u00a0\u00a0 PSD implementation far away from full harmonisation: surcharging, payment accounts,….<\/p>\n

October 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0\u00a0E-Money Directive II
\n2.\u00a0\u00a0\u00a0 Account-based payment services: credit institution, payment institution or e-money-
\ninstitution?
\n3.\u00a0\u00a0\u00a0 PSD implementation: German government takes a restricitve view
\n4.\u00a0\u00a0\u00a0 Spain: Servired and 4B join processing forces
\n5.\u00a0\u00a0\u00a0 European retailers criticise MasterCard’s new acquirer fees<\/p>\n

September 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Deutsche Bank makes the case for Monnet
\n2.\u00a0\u00a0\u00a0 The proposed SDD interchange fee and the meaning of „x-border“ in SEPA
\n3.\u00a0\u00a0\u00a0 The proposed SDD interchange fee: Incentive for or against SDD use?<\/p>\n

August 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 EU Comm and ECB support temporary debit interchange
\n2.\u00a0\u00a0\u00a0 The 25th anniversary of the Dancard-scheme
\n3.\u00a0\u00a0\u00a0 SEPA for Cards: A view from Spain<\/p>\n

July 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 ATM business in the PSD
\n2.\u00a0\u00a0\u00a0 Access to payment schemes
\n3.\u00a0\u00a0\u00a0 Surcharging in the PSD<\/p>\n

June 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 No agreement on application selection
\n2.\u00a0\u00a0\u00a0 Dutch PIN system declares itself SEPA-compliant
\n3. \u00a0\u00a0 First Data acquires stake in Eufiserv
\n4.\u00a0\u00a0\u00a0 The SEPA end-game<\/p>\n

May 2008 issue:<\/a>
\n1. \u00a0\u00a0 End of no-surcharge rules?
\n2. \u00a0\u00a0 Visa Europe is pushing cash-back
\n3.\u00a0\u00a0\u00a0 German conflict over direct debit<\/p>\n

March\/April 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 EuroCommerce versus EPC
\n2.\u00a0\u00a0\u00a0 ING and Postbank offer Maestro and V PAY acceptance in the Netherlands
\n3. \u00a0\u00a0 Security breach hits PCI certified retailer<\/p>\n

February 2008 issue:<\/a>
\n1. \u00a0\u00a0 Cash-back in SEPA
\n2.\u00a0\u00a0\u00a0 Brand selection at the POS: A first conflict
\n3.\u00a0\u00a0\u00a0 EAPS – V PAY Co-badging<\/p>\n

January 2008 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 SEPA for Cards: Next stop Falkenstein?
\n2.\u00a0\u00a0\u00a0 SEPA for Cards: Time to pay fair?
\n3.\u00a0\u00a0\u00a0 VAT treatment of financial services in the EU<\/p>\n

November\/December 2007 issue:<\/a>
\n1.\u00a0\u00a0 \u00a0The European Commission\u2019s decision on MasterCard MIF
\n2.\u00a0\u00a0 \u00a0EC rules out CB\u2019s MERFA
\n3.\u00a0\u00a0 \u00a0Neelie Kroes (DG Competition) on SEPA for Cards<\/p>\n

October 2007 issue:<\/a>
\n<\/a>1. \u00a0\u00a0 ECB Concerned about SEPA for Cards
\n2.\u00a0\u00a0\u00a0 MIF and the Role of DG Competition
\n3. \u00a0\u00a0 Gross or Net Settlement: Banks versus Retailers<\/p>\n

September 2007 issue:<\/a>
\n1. \u00a0\u00a0 Co-badging issues yet again
\n2. \u00a0\u00a0 The New European Debit Card Scheme
\n3. \u00a0\u00a0 War on Cash<\/p>\n

August 2007 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Interchange in Singapore: A Blueprint for SEPA?
\n2.\u00a0\u00a0\u00a0 SEPA for Cards: So far mainly „Wait and see“
\n3. \u00a0\u00a0 The ECB’s new „Impact Study“
\n4.\u00a0\u00a0\u00a0 MasterCards stops plan to introduce ad valorem debit fee in UK<\/p>\n

July 2007 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Domestic Interchange Rates in SEPA: Room for Doubt
\n2.\u00a0\u00a0\u00a0 The Eurosystem\u2019s 5th SEPA Progress Report<\/p>\n

June 2007 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 SEPA: How many cooks?
\n2.\u00a0\u00a0\u00a0 Three-party systems in SEPA
\n3.\u00a0\u00a0\u00a0 ePurses in SEPA<\/p>\n

May 2007 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 National SEPA interchange rates?
\n2.\u00a0\u00a0\u00a0 Co-badging issues
\n3.\u00a0\u00a0\u00a0 ECB: Oversight Framework for Card Payment Schemes<\/p>\n

March-April 2007 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Payment Services Directive (PSD)
\n2.\u00a0\u00a0\u00a0 Capital requirements of the PSD
\n3.\u00a0\u00a0\u00a0 Maestro: Set-Back in Belgium<\/p>\n

February 2007 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 Final Report of the Sector Inquiry
\n2.\u00a0\u00a0\u00a0 EAPS Interscheme Fee
\n3.\u00a0\u00a0\u00a0 Swiss ATM Interchange<\/p>\n

January 2007 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 BKM (Turkey) joins Berlin-Group
\n2.\u00a0\u00a0\u00a0 German cooperative banks sign V Pay agreement
\n3.\u00a0\u00a0\u00a0 Update: Payment Services Directive (PSD)
\n4.\u00a0\u00a0\u00a0 Decision on Interchange Fees in Poland<\/p>\n

December 2006 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 MasterCard publishes SEPA interchange fees for Maestro
\n2.\u00a0\u00a0\u00a0 German Sparda Banks will issue Maestro cards
\n3.\u00a0\u00a0\u00a0 Dutch SEPA \u2018Polder-Model\u2019 for Debit Cards<\/p>\n

November 2006 issue:<\/a>
\n1.\u00a0\u00a0\u00a0 ECB: EFMA-speech on a SEPA for Cards and interchange fees
\n2.\u00a0\u00a0\u00a0 Dutch SEPA \u201cPolder-Model\u201d for Debit Cards
\n3.\u00a0\u00a0\u00a0 Visa goes public<\/p>\n ","protected":false},"excerpt":{"rendered":"

Focus: Retail payments in the EU with a focus on card business: markets, products & regulation Content: Independent analyses and market research […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":30,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_links_to":"","_links_to_target":""},"_links":{"self":[{"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/pages\/35"}],"collection":[{"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/comments?post=35"}],"version-history":[{"count":101,"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/pages\/35\/revisions"}],"predecessor-version":[{"id":504,"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/pages\/35\/revisions\/504"}],"wp:attachment":[{"href":"https:\/\/paysys.de\/en\/wp-json\/wp\/v2\/media?parent=35"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}