PAN-Nordic Card Association

PAN-Nordic Card Association
Visa Sweden/Europay Sweden
SBTA Höstforum2014
•  PNC – Nordic Card association for issuing
and acquiring PI (Payment Institutions) in Scandinavia.
•  Visa Sweden/Europay Sweden – Swedish
associations for Visa and/or MasterCard
issuing or acquiring PI in Sweden (both
members of PNC)
•  Provides services on commercial
conditions – not a utility
PAN-Nordic Card Association
Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79
e-mail mail@pan-nordic.org homepage www.pan-nordic.org
>80 % Card payments
Antal kortköp i Sverige
(miljoner st)
Andel av värde
Kortköp och ATM uttag
2 000
1 800
100%
1 600
90%
1 400
80%
1 200
1 000
70%
Bankkort
60%
50%
800
600
Kreditkort
40%
400
30%
200
20%
0
10%
0%
Källa: Riksbanken
PAN-Nordic Card Association
Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79
e-mail mail@pan-nordic.org homepage www.pan-nordic.org
Fyrpartsmodellen
Betalningsgaranti
Kortutgivare
30 st
Kortinlösare
10 st
Betalare
9 miljoner st
Betalningsmottagare
0,2 miljoner st
PAN-Nordic Card Association
Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79
e-mail mail@pan-nordic.org homepage www.pan-nordic.org
The EU regulation – Highlights
• 
• 
• 
• 
The Draft regulation/(directive) 2013.07.23
EP compromise à2014.04.03
Council compromise à2014.11.09
Trilogies negotiations àend 2014 (regulation)
(directive starts 2015.xx)
•  Effective: 2 months after decision/publication...
(directive to be adopted within 2 years)
PAN-Nordic Card Association
Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79
e-mail mail@pan-nordic.org homepage www.pan-nordic.org
The EU regulation – Highlights – relation to SBTA
1. Cap on Interchange fee
- debitcard 0,20%
- creditcard 0,30%
- commercial card – out of scope
- 3-party scheme – out of scope
2. Surcharging – only if out-of-scope
3. HACR (Honour-all-card-rule)
- maintained only for regulated consumer cards
- merchant to indicate
PAN-Nordic Card Association
Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79
e-mail mail@pan-nordic.org homepage www.pan-nordic.org
PNC Contacts
PAN Nordic Card Association
Visa Sweden Förening Ek.for
Föreningen Europay Sweden
MD & CEO Kurt Gjesten
+46 (0)40 25 0775
kg@pan-nordic.org
Business address
Skomakaregatan 6.2
SE-211 34 Malmö
Telephone
+46 (0)40 25 0778
Fax
+46 (0)40 25 0779
E-mail
mail@pan-nordic.org
Web-site
www.pan-nordic.org
PAN-Nordic Card Association
Skomakaregatan 6, 2 trp, S-211 34 Malmö Phone +46 (0)40 2507 78 Fax +46 (0)40 2507 79
e-mail mail@pan-nordic.org homepage www.pan-nordic.org