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Empirical Investigation of the Polish Interchange Fee Reform Effects

  • Jakub GórkaEmail author
Chapter

Abstract

Górka investigates the Polish interchange fee reform. Poland was the country with the highest average interchange fee rates in Europe. After explaining the history of interchange fee reductions in Poland, the chapter continues with demonstrating the results of merchant surveys that draw a clear picture of the process of passing through interchange fee reductions from acquirers to merchants. The impact of interchange fee reductions on card acceptance and card usage is verified. A close look is taken at bank interchange fee revenues, fee-based income and card- and accountholder fees. Górka provides a unique study of Visa and Mastercard scheme fees and their strategy. He shows implications of the interchange fee reductions for competition, innovation and security on the Polish payment market.

Keywords

Merchant survey Pass-through Acquirers Interchange fee Revenues Fees Visa Mastercard Competition 

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Copyright information

© The Author(s) 2018

Authors and Affiliations

  1. 1.University of WarsawWarsawPoland

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