Investor Presentaiton
Annual Report
AR
2022
SUMMARY
Agenda BC#
Nowadays
Cap on debit card interchange fees (IF):
Weighted average IF must be less or equal to 0.5%; and
• IF must be less or equal to 0.8% in any transaction.
Transactions not subjected to the cap (exceptions):
Transactions with corporate debit cards; and
• Transactions in e-commerce.
Interchange Fee
Price paid by the acquirer to the card issuer
WHO WE
ARE
From 2023, April 1st on
✓ Cap on debit card interchange fees (IF):
OUR
STRENGTH
AND
OUR
RESOURCES
OUR
RESULTS
•
✓
IF must be less or equal to 0.5% in any transaction.
No exceptions.
fostering the use of
cheaper payment instruments
Merchants
Price reduction
Consumers
Acquirer
(enables merchants to
accept card payments)
GGGGG
42.30
Merchant
(pays the Merchant Discount
Rate MDR to the acquirer)
Interchange
Fee
Crediord
CreditCard
1234567890123456
Card Issuer
(banks, other non-bank
financial institutions and
payment institutions)
35
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