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Payments Interchange: The Tenuous Balance Merchant, Issuer and Network Uncertainty Calls for Policy Changes and the Elimination of Rhetoric
Javelin Strategy & Research, April 2007, Pages: 19
Interchange as an institution within card acceptance has worked under the premise that credit and debit cards provide sufficient merchant value vis-à-vis the price of interchange. But it has become a tenuous balance based on various practices and actions—by networks and issuers on one side, and merchants and merchant advocates on the other—that threaten to change the face of interchange and card transactions as a whole.
Javelin used surveys of consumers, merchants and interviews with industry leaders to uncover the forces that could most readily upset that balance, and to determine the most profitable actions that issuers, networks, and merchants should consider now.
Primary Questions
- How are consumers’ payment choices affected by their attitudes toward interchange?
- How well do merchant efforts to align consumers against interchange work?
- What is the value versus the cost to merchants in accepting credit and debit cards?
- What are the primary threats to traditional interchange models and payments providers?
- Which solutions or actions may best serve all parties in restoring the cost/value balance?
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