Global Payments

Order Form

    This individual Note Global Interchange Regulation: Pandora’s Box for Commercial Cards?is available for purchase. This Note is available to members of Mercator Advisory Group’s Global Payments Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Note represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Notes form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Notes (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Note purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Note purchases is $1450 per document. 


    Click here for a fax-back order form




Global Interchange Regulation: Pandora’s Box for Commercial Cards?

Regulation could affect the future of commercial card programs

Mercator Advisory Group examines recent global regulations regarding payment card interchange and fees and their potential impact on commercial cards

Since the enactment of the Durbin Amendment in the U.S. with its caps on interchange (multilateral interchange fees) on consumer debit and credit card transactions, a topic of discussion has been the potential expansion of similar limits to commercial cards (also known as corporate or business cards). Recent regulatory activities in markets outside of the United States, particularly in the European Union, have caused many in the commercial card issuing industry to assess what caps would mean for their business.

Mercator Advisory Group's research note, Global Interchange Regulation: Pandora’s Box for Commercial Cards?, examines the current state of commercial card interchange based on global regulatory activities and learnings from the regulations enacted for consumer credit cards.

"Regulatory activities in the European Union in late 2014 concerning payment cards were interesting to observe with regard to the potential inclusion of commercial cards in broader interchange cap discussions,” comments Richard Hall, Director of Mercator Advisory Group’s Commercial and Enterprise Payments Advisory Service and coauthor of the report. “The U.S. commercial cards issuing market has quietly watched for clues as to whether the subject of capping interchange for commercial cards will reemerge in the coming years since the potential impacts on issuers’ revenues could be significant.”

The research note is 10 pages long and contains 3 exhibits.

Members of Mercator Advisory Group's Commercial and Enterprise Payments Advisory Service and Global Payments Advisory Service have access to this document as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Highlights of the research note include:

  • The contribution of interchange in commercial card issuers’ revenues

  • Interchange regulation in the European Union and other global markets

  • The potential impacts of interchange regulation on commercial cards