Abstract
Overview
Interchange as an institution within card acceptance has worked under the
premise that credit and debit cards provide sufficient merchant value
vis-a-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?
Audience:
Merchants, Issuers, Payment Networks, Alternative Payments Vendors.
Companies/Organizations Mentioned in Report
- Bank of America
- Chase Paymentech
- Citibank
- eBay
- First Data Corporation
- Google
- HSBC
- I4 Commerce
- Kohlberg Kravis Roberts & Co.
- MasterCard
- NACHA
- PayPal
- Tempo Payments
- Visa
- Welcome Realtime
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