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A very important business in the EU… 508 million People 760 million Cards 43.6 billion Transactions 2.2 trillion Euros Source: European Central Bank Press Release: Payment Statistics for 2013 (9 September 2014)

A very important business in the EU 508 million People 760 million Cards 43.6 billion Transactions 2.2 trillion Euros Source: European Central Bank Press

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When this case started… Page 3 © Berwin Leighton Paisner

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Page 1: A very important business in the EU 508 million People 760 million Cards 43.6 billion Transactions 2.2 trillion Euros Source: European Central Bank Press

A very important business in the EU…

508 millionPeople

760 millionCards

43.6 billionTransactions

2.2 trillionEuros

Source: European Central Bank Press Release: Payment Statistics for 2013 (9 September 2014)

Page 2: A very important business in the EU 508 million People 760 million Cards 43.6 billion Transactions 2.2 trillion Euros Source: European Central Bank Press

I like cards…all of them.

www.blplaw.com Page 2 © Berwin Leighton Paisner

Page 3: A very important business in the EU 508 million People 760 million Cards 43.6 billion Transactions 2.2 trillion Euros Source: European Central Bank Press

When this case started…

www.blplaw.com Page 3 © Berwin Leighton Paisner

Page 4: A very important business in the EU 508 million People 760 million Cards 43.6 billion Transactions 2.2 trillion Euros Source: European Central Bank Press

Interchange Fees: Four-Party Scheme

www.blplaw.com Page 4 © Berwin Leighton Paisner

Issuing Bank Acquiring Bank

Cardholder / Customer Retailer

Card Payment

CardBalance

Payment

Product Price

LESS

Merchant Service Charge(Interchange Fee + Acquiring Bank Fee)

Product Price LESS Interchange Fee

Scheme Provider(e.g. MasterCard / Visa)

Scheme Fee

Scheme Fee

Page 5: A very important business in the EU 508 million People 760 million Cards 43.6 billion Transactions 2.2 trillion Euros Source: European Central Bank Press

Transaction Flow Diagram: Four-Party Scheme

www.blplaw.com Page 5 © Berwin Leighton Paisner

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