Report on the application of Regulation (EU) 2015/751 on interchange fees for cardbased payment transactions

Author (Corporate)
Series Details SWD (2020) 118
Publication Date 29/06/2020
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Report published by the European Commission on 29 June 2020, assessing the impact of Regulation 2015/751 - also known as Interchange Fee Regulation (IFR) - for card-based payment transactions.

Further information:

This report concludes that the main objectives of the Regulation were achieved, as interchange fees for consumer cards decreased, leading to reduced merchants' charges for card payments, and ultimately resulting in improved services to consumers and lower consumer prices. Furthermore, market integration improved through the increased use by merchants of acquirers located in other Member States and more cross-border transactions. However, further monitoring and reinforced data gathering were deemed necessary in some areas.

The report was a requirement of the Regulation itself and it builds on another report presented earlier in the year.

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European Commission: Press Release, 29/06/2020: Antitrust: Commission publishes report on the impact of the Interchange Fees Regulation

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