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Review of the Payment Services Directive: The question of surcharges

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  • Pyykko, Elina
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    Abstract

    The Payment Services Directive was intended to provide more price transparency for users and a level playing field for efficient competition among different payment services by decreasing the inhibiting effects of different legislation, cross-subsidisation and non-cost-based pricing. The European Commission, however, intended most of these effects to come about through market-led initiatives. In the run-up to the review of the Directive, Elina Pyykkö asks in this ECRI Policy Brief whether more could not be done to promote the use of efficient payment methods.

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    File URL: http://www.ceps.eu/system/files/book/2011/10/ECRI%20PB%20No%205%20Pyykko%20on%20the%20PSD.pdf
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    Bibliographic Info

    Paper provided by Centre for European Policy Studies in its series ECRI Papers with number 6290.

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    Length: 7 pages
    Date of creation: Oct 2011
    Date of revision:
    Handle: RePEc:eps:ecriwp:6290

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    1. Wright, Julian, 2003. "Optimal card payment systems," European Economic Review, Elsevier, vol. 47(4), pages 587-612, August.
    2. Gans Joshua S & King Stephen P, 2003. "The Neutrality of Interchange Fees in Payment Systems," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 3(1), pages 1-18, January.
    3. Wilko Bolt & Nicole Jonker & Corry van Renselaar, 2008. "Incentives at the counter: An empirical analysis of surcharging card payment and payment behaviour in the Netherlands," DNB Working Papers 196, Netherlands Central Bank, Research Department.
    4. Nicole Jonker, 2011. "Card acceptance and surcharging: the role of costs and competition," DNB Working Papers 300, Netherlands Central Bank, Research Department.
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