Words in Art. 6(1) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 8(2) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

Art. 6(2) omitted (31.12.2020) by virtue of The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 8(3) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

Art. 7(2) omitted (31.12.2020) by virtue of The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(2) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

Words in Art. 7(5) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(3)(a) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

Words in Art. 7(5) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(3)(b) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

Art. 7(6) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(4) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

Words in Art. 11(3) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 10 (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)

http://www.legislation.gov.uk/eur/2015/751/chapter/III/2020-12-31Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (Text with EEA relevance)Regulation (EU) 2015/751 of the European Parliament and of the CouncilRegulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (Text with EEA relevance)King's Printer of Acts of Parliamenthttps://webarchive.nationalarchives.gov.uk/eu-exit/https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015R0751texttext/xmlen2024-09-04Expert Participation2020-12-31CHAPTER IIIBUSINESS RULES
Article 6Licensing1.

Any territorial restrictions within the United Kingdom or rules with an equivalent effect in licensing agreements or in payment card scheme rules for issuing payment cards or acquiring card-based payment transactions shall be prohibited.

2.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Article 7Separation of payment card scheme and processing entities1.

Payment card schemes and processing entities:

(a)

shall be independent in terms of accounting, organisation and decision-making processes;

(b)

shall not present prices for payment card scheme and processing activities in a bundled manner and shall not cross-subsidise such activities;

(c)

shall not discriminate in any way between their subsidiaries or shareholders on the one hand and users of payment card schemes and other contractual partners on the other hand and shall not in particular make the provision of any service they offer conditional in any way on the acceptance by their contractual partner of any other service they offer.

2.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

3.

Payment card schemes shall allow for the possibility that authorisation and clearing messages of single card-based payment transactions be separated and processed by different processing entities.

4.

Any territorial discrimination in processing rules operated by payment card schemes shall be prohibited.

5.

Processing entities within the United Kingdom shall ensure that their system is technically interoperable with other systems of processing entities within the United Kingdom through the use of standards developed by international or United Kingdom standardisation bodies. In addition, payment card schemes shall not adopt or apply business rules that restrict interoperability among processing entities within the United Kingdom.

6.

The Payment Systems Regulator may make technical standards establishing the requirements to be complied with by payment card schemes and processing entities to ensure the application of point (a) of paragraph 1 of this Article.

Article 8Co-badging and choice of payment brand or payment application1.

Any payment card scheme rules and rules in licensing agreements or measures of equivalent effect that hinder or prevent an issuer from co-badging two or more different payment brands or payment applications on a card-based payment instrument shall be prohibited.

2.

When entering into a contractual agreement with a payment service provider, the consumer may require two or more different payment brands on a card-based payment instrument provided that such a service is offered by the payment service provider. In good time before the contract is signed, the payment service provider shall provide the consumer with clear and objective information on all the payment brands available and their characteristics, including their functionality, cost and security.

3.

Any difference in treatment of issuers or acquirers in scheme rules and rules in licensing agreements concerning co-badging of different payment brands or payment applications on a card-based payment instrument shall be objectively justified and non-discriminatory.

4.

Payment card schemes shall not impose reporting requirements, obligations to pay fees or similar obligations with the same object or effect on card issuing and acquiring payment service providers for transactions carried out with any device on which their payment brand is present in relation to transactions for which their scheme is not used.

5.

Any routing principles or equivalent measures aimed at directing transactions through a specific channel or process and other technical and security standards and requirements with respect to the handling of two or more different payment brands and payment applications on a card-based payment instrument shall be non-discriminatory and shall be applied in a non-discriminatory manner.

6.

Payment card schemes, issuers, acquirers, processing entities and other technical service providers shall not insert automatic mechanisms, software or devices on the payment instrument or at equipment applied at the point of sale which limit the choice of payment brand or payment application, or both, by the payer or the payee when using a co-badged payment instrument.

Payees shall retain the option of installing automatic mechanisms in the equipment used at the point of sale which make a priority selection of a particular payment brand or payment application but payees shall not prevent the payer from overriding such an automatic priority selection made by the payee in its equipment for the categories of cards or related payment instruments accepted by the payee.

Article 9Unblending1.

Each acquirer shall offer and charge its payee merchant service charges individually specified for different categories and different brands of payment cards with different interchange fee levels unless payees request the acquirer, in writing, to charge blended merchant service charges.

2.

Acquirers shall include in their agreements with payees individually specified information on the amount of the merchant service charges, interchange fees and scheme fees applicable with respect to each category and brand of payment cards, unless the payee subsequently makes a different request in writing.

Article 10‘Honour All Cards’ rule1.

Payment card schemes and payment service providers shall not apply any rule that obliges payees accepting a card-based payment instrument issued by one issuer also to accept other card-based payment instruments issued within the framework of the same payment card scheme.

2.

Paragraph 1 shall not apply to consumer card-based payment instruments of the same brand and of the same category of prepaid card, debit card or credit card subject to interchange fees under Chapter II of this Regulation.

3.

Paragraph 1 is without prejudice to the possibility for payment card schemes and payment service providers to provide that cards may not be refused on the basis of the identity of the issuer or of the cardholder.

4.

Payees that decide not to accept all cards or other payment instruments of a payment card scheme shall inform consumers of this, in a clear and unequivocal manner, at the same time as they inform consumers of the acceptance of other cards and payment instruments of the payment card scheme. Such information shall be displayed prominently at the entrance of the shop and at the till.

In the case of distance sales, this information shall be displayed on the payee's website or other applicable electronic or mobile medium. The information shall be provided to the payer in good time before the payer enters into a purchase agreement with the payee.

5.

Issuers shall ensure that their payment instruments are electronically identifiable and, in the case of newly issued card-based payment instruments, also visibly identifiable, enabling payees and payers to unequivocally identify which brands and categories of prepaid cards, debit cards, credit cards or commercial cards are chosen by the payer.

Article 11Steering rules1.

Any rule in licensing agreements, in scheme rules applied by payment card schemes and in agreements entered into between card acquirers and payees preventing payees from steering consumers to the use of any payment instrument preferred by the payee shall be prohibited. This prohibition shall also cover any rule prohibiting payees from treating card-based payment instruments of a given payment card scheme more or less favourably than others.

2.

Any rule in licensing agreements, in scheme rules applied by payment card schemes and in agreements entered into between card acquirers and payees preventing payees from informing payers about interchange fees and merchant service charges shall be prohibited.

3.

Paragraphs 1 and 2 of this Article are without prejudice to the rules on charges, reductions or other steering mechanisms set out in the Electronic Money Regulations 2011 and the Payment Services Regulations 2017.

Article 12Information to the payee on individual card-based payment transactions1.

After the execution of an individual card-based payment transaction, the payee's payment service provider shall provide the payee with the following information:

(a)

the reference enabling the payee to identify the card-based payment transaction;

(b)

the amount of the payment transaction in the currency in which the payee's payment account is credited;

(c)

the amount of any charges for the card-based payment transaction, indicating separately the merchant service charge and the amount of the interchange fee.

With the payee's prior and explicit consent, the information referred to in the first subparagraph may be aggregated by brand, application, payment instrument categories and rates of interchange fees applicable to the transaction.

2.

Contracts between acquirers and payees may include a provision that the information referred to in the first subparagraph of paragraph 1 shall be provided or made available periodically, at least once a month, and in an agreed manner which allows payees to store and reproduce information unchanged.

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<note ukl:Name="Commentary" ukl:Type="F" class="commentary F" eId="key-e3cb81902db1b2ca18422df795b3328e" marker="F1">
<p>
Words in
<ref eId="cgf3clw25-00006" class="subref" href="http://www.legislation.gov.uk/id/eur/2015/751/article/6/1">Art. 6(1)</ref>
substituted (31.12.2020) by
<ref eId="cgf3clw25-00007" href="http://www.legislation.gov.uk/id/uksi/2019/284">The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284)</ref>
,
<ref eId="cgf3clw25-00008" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/1/2">regs. 1(2)</ref>
,
<ref eId="cgf3clw25-00009" class="subref operative" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/8/2">8(2)</ref>
(with savings in
<ref eId="cgf3clw25-00010" href="http://www.legislation.gov.uk/id/uksi/2019/680">S.I. 2019/680</ref>
,
<ref eId="cgf3clw25-00011" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/680/regulation/11">reg. 11</ref>
);
<ref eId="cgf3clw25-00012" href="http://www.legislation.gov.uk/id/ukpga/2020/1">2020 c. 1</ref>
,
<ref eId="cgf3clw25-00013" class="subref" href="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1">Sch. 5 para. 1(1)</ref>
</p>
</note>
<note ukl:Name="Commentary" ukl:Type="F" class="commentary F" eId="key-5c895b8efcd9f45baa3d3b5cdd12884f" marker="F2">
<p>
<ref eId="cgf3clw25-00017" class="subref" href="http://www.legislation.gov.uk/id/eur/2015/751/article/6/2">Art. 6(2)</ref>
omitted (31.12.2020) by virtue of
<ref eId="cgf3clw25-00018" href="http://www.legislation.gov.uk/id/uksi/2019/284">The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284)</ref>
,
<ref eId="cgf3clw25-00019" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/1/2">regs. 1(2)</ref>
,
<ref eId="cgf3clw25-00020" class="subref operative" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/8/3">8(3)</ref>
(with savings in
<ref eId="cgf3clw25-00021" href="http://www.legislation.gov.uk/id/uksi/2019/680">S.I. 2019/680</ref>
,
<ref eId="cgf3clw25-00022" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/680/regulation/11">reg. 11</ref>
);
<ref eId="cgf3clw25-00023" href="http://www.legislation.gov.uk/id/ukpga/2020/1">2020 c. 1</ref>
,
<ref eId="cgf3clw25-00024" class="subref" href="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1">Sch. 5 para. 1(1)</ref>
</p>
</note>
<note ukl:Name="Commentary" ukl:Type="F" class="commentary F" eId="key-59f2b42e6f0b3b94b55102605f8c3671" marker="F3">
<p>
<ref eId="cgf3xhwm5-00004" class="subref" href="http://www.legislation.gov.uk/id/eur/2015/751/article/7/2">Art. 7(2)</ref>
omitted (31.12.2020) by virtue of
<ref eId="cgf3xhwm5-00005" href="http://www.legislation.gov.uk/id/uksi/2019/284">The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284)</ref>
,
<ref eId="cgf3xhwm5-00006" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/1/2">regs. 1(2)</ref>
,
<ref eId="cgf3xhwm5-00007" class="subref operative" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/9/2">9(2)</ref>
(with savings in
<ref eId="cgf3xhwm5-00008" href="http://www.legislation.gov.uk/id/uksi/2019/680">S.I. 2019/680</ref>
,
<ref eId="cgf3xhwm5-00009" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/680/regulation/11">reg. 11</ref>
);
<ref eId="cgf3xhwm5-00010" href="http://www.legislation.gov.uk/id/ukpga/2020/1">2020 c. 1</ref>
,
<ref eId="cgf3xhwm5-00011" class="subref" href="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1">Sch. 5 para. 1(1)</ref>
</p>
</note>
<note ukl:Name="Commentary" ukl:Type="F" class="commentary F" eId="key-182d9d4db057773918f185365acb86c9" marker="F4">
<p>
Words in
<ref eId="cgf3xhwm5-00017" class="subref" href="http://www.legislation.gov.uk/id/eur/2015/751/article/7/5">Art. 7(5)</ref>
substituted (31.12.2020) by
<ref eId="cgf3xhwm5-00018" href="http://www.legislation.gov.uk/id/uksi/2019/284">The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284)</ref>
,
<ref eId="cgf3xhwm5-00019" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/1/2">regs. 1(2)</ref>
,
<ref eId="cgf3xhwm5-00020" class="subref operative" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/9/3/a">9(3)(a)</ref>
(with savings in
<ref eId="cgf3xhwm5-00021" href="http://www.legislation.gov.uk/id/uksi/2019/680">S.I. 2019/680</ref>
,
<ref eId="cgf3xhwm5-00022" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/680/regulation/11">reg. 11</ref>
);
<ref eId="cgf3xhwm5-00023" href="http://www.legislation.gov.uk/id/ukpga/2020/1">2020 c. 1</ref>
,
<ref eId="cgf3xhwm5-00024" class="subref" href="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1">Sch. 5 para. 1(1)</ref>
</p>
</note>
<note ukl:Name="Commentary" ukl:Type="F" class="commentary F" eId="key-196a434f0f5c6673f7b9e37e31e6823e" marker="F5">
<p>
Words in
<ref eId="cgf3xhwm5-00030" class="subref" href="http://www.legislation.gov.uk/id/eur/2015/751/article/7/5">Art. 7(5)</ref>
substituted (31.12.2020) by
<ref eId="cgf3xhwm5-00031" href="http://www.legislation.gov.uk/id/uksi/2019/284">The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284)</ref>
,
<ref eId="cgf3xhwm5-00032" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/1/2">regs. 1(2)</ref>
,
<ref eId="cgf3xhwm5-00033" class="subref operative" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/9/3/b">9(3)(b)</ref>
(with savings in
<ref eId="cgf3xhwm5-00034" href="http://www.legislation.gov.uk/id/uksi/2019/680">S.I. 2019/680</ref>
,
<ref eId="cgf3xhwm5-00035" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/680/regulation/11">reg. 11</ref>
);
<ref eId="cgf3xhwm5-00036" href="http://www.legislation.gov.uk/id/ukpga/2020/1">2020 c. 1</ref>
,
<ref eId="cgf3xhwm5-00037" class="subref" href="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1">Sch. 5 para. 1(1)</ref>
</p>
</note>
<note ukl:Name="Commentary" ukl:Type="F" class="commentary F" eId="key-51f4c225510e46cc1e0dd5fdf56091da" marker="F6">
<p>
<ref eId="cgf6rcv15-00044" class="subref" href="http://www.legislation.gov.uk/id/eur/2015/751/article/7/6">Art. 7(6)</ref>
substituted (31.12.2020) by
<ref eId="cgf6rcv15-00045" href="http://www.legislation.gov.uk/id/uksi/2019/284">The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284)</ref>
,
<ref eId="cgf6rcv15-00046" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/1/2">regs. 1(2)</ref>
,
<ref eId="cgf6rcv15-00047" class="subref operative" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/9/4">9(4)</ref>
(with savings in
<ref eId="cgf6rcv15-00048" href="http://www.legislation.gov.uk/id/uksi/2019/680">S.I. 2019/680</ref>
,
<ref eId="cgf6rcv15-00049" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/680/regulation/11">reg. 11</ref>
);
<ref eId="cgf6rcv15-00050" href="http://www.legislation.gov.uk/id/ukpga/2020/1">2020 c. 1</ref>
,
<ref eId="cgf6rcv15-00051" class="subref" href="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1">Sch. 5 para. 1(1)</ref>
</p>
</note>
<note ukl:Name="Commentary" ukl:Type="F" class="commentary F" eId="key-cebed08ec719ca749a2d164395f4639d" marker="F7">
<p>
Words in
<ref eId="cgf7hw6r5-00006" class="subref" href="http://www.legislation.gov.uk/id/eur/2015/751/article/11/3">Art. 11(3)</ref>
substituted (31.12.2020) by
<ref eId="cgf7hw6r5-00007" href="http://www.legislation.gov.uk/id/uksi/2019/284">The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284)</ref>
,
<ref eId="cgf7hw6r5-00008" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/1/2">regs. 1(2)</ref>
,
<ref eId="cgf7hw6r5-00009" class="subref operative" href="http://www.legislation.gov.uk/id/uksi/2019/284/regulation/10">10</ref>
(with savings in
<ref eId="cgf7hw6r5-00010" href="http://www.legislation.gov.uk/id/uksi/2019/680">S.I. 2019/680</ref>
,
<ref eId="cgf7hw6r5-00011" class="subref" href="http://www.legislation.gov.uk/id/uksi/2019/680/regulation/11">reg. 11</ref>
);
<ref eId="cgf7hw6r5-00012" href="http://www.legislation.gov.uk/id/ukpga/2020/1">2020 c. 1</ref>
,
<ref eId="cgf7hw6r5-00013" class="subref" href="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1">Sch. 5 para. 1(1)</ref>
</p>
</note>
</notes>
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<dc:title>Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (Text with EEA relevance)</dc:title>
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<dc:description>Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (Text with EEA relevance)</dc:description>
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<body eId="body">
<chapter eId="chapter-III" uk:target="true">
<num>CHAPTER III</num>
<heading>
<b>BUSINESS RULES</b>
</heading>
<article eId="article-6">
<num>Article 6</num>
<heading>Licensing</heading>
<paragraph eId="article-6-1">
<num>1.</num>
<content>
<p>
Any territorial restrictions within the
<ins class="substitution first last" ukl:ChangeId="key-e3cb81902db1b2ca18422df795b3328e-1721399237558" ukl:CommentaryRef="key-e3cb81902db1b2ca18422df795b3328e">
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or rules with an equivalent effect in licensing agreements or in payment card scheme rules for issuing payment cards or acquiring card-based payment transactions shall be prohibited.
</p>
</content>
</paragraph>
<paragraph eId="article-6-2">
<num>
<noteRef href="#key-5c895b8efcd9f45baa3d3b5cdd12884f" uk:name="commentary" ukl:Name="CommentaryRef" class="commentary"/>
2.
</num>
<content>
<p>. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .</p>
</content>
</paragraph>
</article>
<article eId="article-7">
<num>Article 7</num>
<heading>Separation of payment card scheme and processing entities</heading>
<paragraph eId="article-7-1">
<num>1.</num>
<intro>
<p>Payment card schemes and processing entities:</p>
</intro>
<level class="para1" eId="article-7-1-a">
<num>(a)</num>
<content>
<p>shall be independent in terms of accounting, organisation and decision-making processes;</p>
</content>
</level>
<level class="para1" eId="article-7-1-b">
<num>(b)</num>
<content>
<p>shall not present prices for payment card scheme and processing activities in a bundled manner and shall not cross-subsidise such activities;</p>
</content>
</level>
<level class="para1" eId="article-7-1-c">
<num>(c)</num>
<content>
<p>shall not discriminate in any way between their subsidiaries or shareholders on the one hand and users of payment card schemes and other contractual partners on the other hand and shall not in particular make the provision of any service they offer conditional in any way on the acceptance by their contractual partner of any other service they offer.</p>
</content>
</level>
</paragraph>
<paragraph eId="article-7-2">
<num>
<noteRef href="#key-59f2b42e6f0b3b94b55102605f8c3671" uk:name="commentary" ukl:Name="CommentaryRef" class="commentary"/>
2.
</num>
<content>
<p>. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .</p>
</content>
</paragraph>
<paragraph eId="article-7-3">
<num>3.</num>
<content>
<p>Payment card schemes shall allow for the possibility that authorisation and clearing messages of single card-based payment transactions be separated and processed by different processing entities.</p>
</content>
</paragraph>
<paragraph eId="article-7-4">
<num>4.</num>
<content>
<p>Any territorial discrimination in processing rules operated by payment card schemes shall be prohibited.</p>
</content>
</paragraph>
<paragraph eId="article-7-5">
<num>5.</num>
<content>
<p>
Processing entities within the
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<noteRef uk:name="commentary" href="#key-182d9d4db057773918f185365acb86c9" class="commentary"/>
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</ins>
shall ensure that their system is technically interoperable with other systems of processing entities within the
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<noteRef uk:name="commentary" href="#key-182d9d4db057773918f185365acb86c9" class="commentary"/>
United Kingdom
</ins>
through the use of standards developed by international or
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<noteRef uk:name="commentary" href="#key-196a434f0f5c6673f7b9e37e31e6823e" class="commentary"/>
United Kingdom
</ins>
standardisation bodies. In addition, payment card schemes shall not adopt or apply business rules that restrict interoperability among processing entities within the
<ins class="substitution first last" ukl:ChangeId="key-182d9d4db057773918f185365acb86c9-1721401450987" ukl:CommentaryRef="key-182d9d4db057773918f185365acb86c9">
<noteRef uk:name="commentary" href="#key-182d9d4db057773918f185365acb86c9" class="commentary"/>
United Kingdom
</ins>
.
</p>
</content>
</paragraph>
<paragraph eId="article-7-6">
<num>
<ins class="substitution first" ukl:ChangeId="key-51f4c225510e46cc1e0dd5fdf56091da-1721405089625" ukl:CommentaryRef="key-51f4c225510e46cc1e0dd5fdf56091da">
<noteRef uk:name="commentary" href="#key-51f4c225510e46cc1e0dd5fdf56091da" class="commentary"/>
6.
</ins>
</num>
<content>
<p>
<ins class="substitution last" ukl:ChangeId="key-51f4c225510e46cc1e0dd5fdf56091da-1721405089625" ukl:CommentaryRef="key-51f4c225510e46cc1e0dd5fdf56091da">The Payment Systems Regulator may make technical standards establishing the requirements to be complied with by payment card schemes and processing entities to ensure the application of point (a) of paragraph 1 of this Article.</ins>
</p>
</content>
</paragraph>
</article>
<article eId="article-8">
<num>Article 8</num>
<heading>Co-badging and choice of payment brand or payment application</heading>
<paragraph eId="article-8-1">
<num>1.</num>
<content>
<p>Any payment card scheme rules and rules in licensing agreements or measures of equivalent effect that hinder or prevent an issuer from co-badging two or more different payment brands or payment applications on a card-based payment instrument shall be prohibited.</p>
</content>
</paragraph>
<paragraph eId="article-8-2">
<num>2.</num>
<content>
<p>When entering into a contractual agreement with a payment service provider, the consumer may require two or more different payment brands on a card-based payment instrument provided that such a service is offered by the payment service provider. In good time before the contract is signed, the payment service provider shall provide the consumer with clear and objective information on all the payment brands available and their characteristics, including their functionality, cost and security.</p>
</content>
</paragraph>
<paragraph eId="article-8-3">
<num>3.</num>
<content>
<p>Any difference in treatment of issuers or acquirers in scheme rules and rules in licensing agreements concerning co-badging of different payment brands or payment applications on a card-based payment instrument shall be objectively justified and non-discriminatory.</p>
</content>
</paragraph>
<paragraph eId="article-8-4">
<num>4.</num>
<content>
<p>Payment card schemes shall not impose reporting requirements, obligations to pay fees or similar obligations with the same object or effect on card issuing and acquiring payment service providers for transactions carried out with any device on which their payment brand is present in relation to transactions for which their scheme is not used.</p>
</content>
</paragraph>
<paragraph eId="article-8-5">
<num>5.</num>
<content>
<p>Any routing principles or equivalent measures aimed at directing transactions through a specific channel or process and other technical and security standards and requirements with respect to the handling of two or more different payment brands and payment applications on a card-based payment instrument shall be non-discriminatory and shall be applied in a non-discriminatory manner.</p>
</content>
</paragraph>
<paragraph eId="article-8-6">
<num>6.</num>
<content>
<p>Payment card schemes, issuers, acquirers, processing entities and other technical service providers shall not insert automatic mechanisms, software or devices on the payment instrument or at equipment applied at the point of sale which limit the choice of payment brand or payment application, or both, by the payer or the payee when using a co-badged payment instrument.</p>
<p>Payees shall retain the option of installing automatic mechanisms in the equipment used at the point of sale which make a priority selection of a particular payment brand or payment application but payees shall not prevent the payer from overriding such an automatic priority selection made by the payee in its equipment for the categories of cards or related payment instruments accepted by the payee.</p>
</content>
</paragraph>
</article>
<article eId="article-9">
<num>Article 9</num>
<heading>Unblending</heading>
<paragraph eId="article-9-1">
<num>1.</num>
<content>
<p>Each acquirer shall offer and charge its payee merchant service charges individually specified for different categories and different brands of payment cards with different interchange fee levels unless payees request the acquirer, in writing, to charge blended merchant service charges.</p>
</content>
</paragraph>
<paragraph eId="article-9-2">
<num>2.</num>
<content>
<p>Acquirers shall include in their agreements with payees individually specified information on the amount of the merchant service charges, interchange fees and scheme fees applicable with respect to each category and brand of payment cards, unless the payee subsequently makes a different request in writing.</p>
</content>
</paragraph>
</article>
<article eId="article-10">
<num>Article 10</num>
<heading>‘Honour All Cards’ rule</heading>
<paragraph eId="article-10-1">
<num>1.</num>
<content>
<p>Payment card schemes and payment service providers shall not apply any rule that obliges payees accepting a card-based payment instrument issued by one issuer also to accept other card-based payment instruments issued within the framework of the same payment card scheme.</p>
</content>
</paragraph>
<paragraph eId="article-10-2">
<num>2.</num>
<content>
<p>Paragraph 1 shall not apply to consumer card-based payment instruments of the same brand and of the same category of prepaid card, debit card or credit card subject to interchange fees under Chapter II of this Regulation.</p>
</content>
</paragraph>
<paragraph eId="article-10-3">
<num>3.</num>
<content>
<p>Paragraph 1 is without prejudice to the possibility for payment card schemes and payment service providers to provide that cards may not be refused on the basis of the identity of the issuer or of the cardholder.</p>
</content>
</paragraph>
<paragraph eId="article-10-4">
<num>4.</num>
<content>
<p>Payees that decide not to accept all cards or other payment instruments of a payment card scheme shall inform consumers of this, in a clear and unequivocal manner, at the same time as they inform consumers of the acceptance of other cards and payment instruments of the payment card scheme. Such information shall be displayed prominently at the entrance of the shop and at the till.</p>
<p>In the case of distance sales, this information shall be displayed on the payee's website or other applicable electronic or mobile medium. The information shall be provided to the payer in good time before the payer enters into a purchase agreement with the payee.</p>
</content>
</paragraph>
<paragraph eId="article-10-5">
<num>5.</num>
<content>
<p>Issuers shall ensure that their payment instruments are electronically identifiable and, in the case of newly issued card-based payment instruments, also visibly identifiable, enabling payees and payers to unequivocally identify which brands and categories of prepaid cards, debit cards, credit cards or commercial cards are chosen by the payer.</p>
</content>
</paragraph>
</article>
<article eId="article-11">
<num>Article 11</num>
<heading>Steering rules</heading>
<paragraph eId="article-11-1">
<num>1.</num>
<content>
<p>Any rule in licensing agreements, in scheme rules applied by payment card schemes and in agreements entered into between card acquirers and payees preventing payees from steering consumers to the use of any payment instrument preferred by the payee shall be prohibited. This prohibition shall also cover any rule prohibiting payees from treating card-based payment instruments of a given payment card scheme more or less favourably than others.</p>
</content>
</paragraph>
<paragraph eId="article-11-2">
<num>2.</num>
<content>
<p>Any rule in licensing agreements, in scheme rules applied by payment card schemes and in agreements entered into between card acquirers and payees preventing payees from informing payers about interchange fees and merchant service charges shall be prohibited.</p>
</content>
</paragraph>
<paragraph eId="article-11-3">
<num>3.</num>
<content>
<p>
Paragraphs 1 and 2 of this Article are without prejudice to the rules on charges, reductions or other steering mechanisms set out in
<ins class="substitution first last" ukl:ChangeId="key-cebed08ec719ca749a2d164395f4639d-1721405514270" ukl:CommentaryRef="key-cebed08ec719ca749a2d164395f4639d">
<noteRef uk:name="commentary" href="#key-cebed08ec719ca749a2d164395f4639d" class="commentary"/>
the Electronic Money Regulations 2011 and the Payment Services Regulations 2017
</ins>
.
</p>
</content>
</paragraph>
</article>
<article eId="article-12">
<num>Article 12</num>
<heading>Information to the payee on individual card-based payment transactions</heading>
<paragraph eId="article-12-1">
<num>1.</num>
<intro>
<p>After the execution of an individual card-based payment transaction, the payee's payment service provider shall provide the payee with the following information:</p>
</intro>
<level class="para1">
<num>(a)</num>
<content>
<p>the reference enabling the payee to identify the card-based payment transaction;</p>
</content>
</level>
<level class="para1">
<num>(b)</num>
<content>
<p>the amount of the payment transaction in the currency in which the payee's payment account is credited;</p>
</content>
</level>
<level class="para1">
<num>(c)</num>
<content>
<p>the amount of any charges for the card-based payment transaction, indicating separately the merchant service charge and the amount of the interchange fee.</p>
</content>
</level>
<wrapUp>
<p>With the payee's prior and explicit consent, the information referred to in the first subparagraph may be aggregated by brand, application, payment instrument categories and rates of interchange fees applicable to the transaction.</p>
</wrapUp>
</paragraph>
<paragraph eId="article-12-2">
<num>2.</num>
<content>
<p>Contracts between acquirers and payees may include a provision that the information referred to in the first subparagraph of paragraph 1 shall be provided or made available periodically, at least once a month, and in an agreed manner which allows payees to store and reproduce information unchanged.</p>
</content>
</paragraph>
</article>
</chapter>
</body>
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