English, Article, Journal or magazine article edition: Incentives at the counter: An empirical analysis of surcharging card payments and payment behaviour in the Netherlands Wilko Bolt; Nicole Jonker; Corry van Renselaar

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Bookmark: http://trove.nla.gov.au/version/31914
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • Incentives at the counter: An empirical analysis of surcharging card payments and payment behaviour in the Netherlands
Author
  • Wilko Bolt
  • Nicole Jonker
  • Corry van Renselaar
Physical Description
  • preprint
Notes
  • In card payment systems, no-surcharge rules prohibit merchants from charging consumers extra for card payments. However, Dutch retailers are allowed to surcharge consumers for their debit card use. This allows an empirical analysis of the impact of surcharging on the demand for debit card services, and the effect of removing the no-surcharge rule on card acceptance by retailers and on consumer payment choice. Based on consumer and retailer survey data, our analysis shows that surcharging steers consumers away from using debit cards towards cash. Half of the observed difference in debit card payment shares across retailers can be explained by this surcharge effect. First calculations suggesr that removing the surcharge on debit card payments in the Netherlands may induce considerable social cost savings of more than EUR 100 million in the long run.
  • survey data, retail payments, no-surcharge rule, cost efficiency
  • RePEc:dnb:dnbwpp:196
Language
  • English
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