IDEAS home Printed from https://ideas.repec.org/a/cpn/umkcjf/v2y2013i2p111-124.html
   My bibliography  Save this article

Impact of interchange fees rates on the Polish payment cards market

Author

Listed:
  • Krzysztof Maciejewski

    (National Bank of Poland)

Abstract

The aim of this paper is to indicate the importance of the interchange fee on the payment card market in Poland and its impact on the development of the acceptance network. The paper uses a descriptive and comparative analysis, as well as results of analyses and research, including a survey conducted by the author among seven acquirers. Of key importance for the development of payment card acceptance network are costs of payment card acceptance. One of the main components of Merchant Service Charge is interchange fee. The level of interchange fees rates in Poland, being one of the highest in the EU, is a major barrier to the development of payment card acceptance network and cashless transactions. The central bank was engaged in the process of interchange fees reduction in Poland, assuming the role of a catalyst. The reduction of interchange fees (since 2013) in the Polish market is a positive development which may result among others in implementation of costly efficient mobile payment systems.

Suggested Citation

  • Krzysztof Maciejewski, 2013. "Impact of interchange fees rates on the Polish payment cards market," Copernican Journal of Finance & Accounting, Uniwersytet Mikolaja Kopernika, vol. 2(2), pages 111-124.
    • Handle: RePEc:cpn:umkcjf:v:2:y:2013:i:2:p:111-124
    as

    Download full text from publisher

    File URL: https://apcz.umk.pl/CJFA/article/view/CJFA.2013.019/3195
    Download Restriction: no
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:cpn:umkcjf:v:2:y:2013:i:2:p:111-124. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Miroslawa Buczynska (email available below). General contact details of provider: http://www.wydawnictwoumk.pl .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.