Home › Financial Services & Banking › Interchange Fees Regulation

Interchange Fees Regulation In force since 8 June 2015

REGULATION (EU) 2015/751 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 29 April 2015 on interchange fees for card-based payment transactions
32015R0751 · official text on EUR-Lex

This English text is a careful, terminology-researched translation prepared by eucite.com — not an official government translation. The German original linked above is the legally authoritative text.

Articles

Chapter I GENERAL PROVISIONS

• Article 1 — Scope
• Article 2 — Definitions

Chapter II INTERCHANGE FEES

• Article 3 — Interchange fees for consumer debit card transactions
• Article 4 — Interchange fees for consumer credit card transactions
• Article 5 — Prohibition of circumvention

Chapter III BUSINESS RULES

• Article 6 — Licensing
• Article 7 — Separation of payment card scheme and processing entities
• Article 8 — Co-badging and choice of payment brand or payment application
• Article 9 — Unblending
• Article 10 — ‘Honour All Cards’ rule
• Article 11 — Steering rules
• Article 12 — Information to the payee on individual card-based payment transactions

Chapter IV FINAL PROVISIONS

• Article 13 — Competent authorities
• Article 14 — Penalties
• Article 15 — Settlement, out of court complaints and redress procedures
• Article 16 — Universal cards
• Article 17 — Review clause
• Article 18 — Entry into force