Incentives at the counter: An empirical analysis of surcharging card payments and payment behaviour in the Netherlands
Incentives at the counter: An empirical analysis of surcharging card payments and payment behaviour in the Netherlands
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DOI：
10.1016/j.jbankfin.2009.09.008
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发表时间：
2010-08-01
影响因子：
3.7
通讯作者：
van Renselaar, Corry
中科院分区：
文献类型：
--
作者：
Bolt, Wilko;Jonker, Nicole;van Renselaar, Corry
在卡支付系统中，无附加费规则禁止商家向消费者收取额外的卡支付费用。但是，在荷兰，这种规定是被禁止的。荷兰零售商可以对借记卡的使用收取额外费用。这种设置允许的影响，商家接受和消费者支付选择的附加费卡支付的实证分析。根据消费者和零售商的调查数据，我们的分析表明，附加费引导消费者从使用借记卡转向现金。零售商之间借记卡支付份额的一半差异可以通过这种附加费效应来解释。从长远来看，取消借记卡附加费可能会节省超过5000万欧元的成本。(C)2009爱思唯尔有限公司版权所有。
In card payment systems, no-surcharge rules prohibit merchants from charging consumers extra for card payments. However, such rules are prohibited in the Netherlands. Dutch retailers are allowed to surcharge consumers for debit card use. This setting permits an empirical analysis of the impact of surcharging card payments on merchant acceptance and 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. Removing debit card surcharges may induce cost savings of more than EUR 50 million in the long run. (C) 2009 Elsevier B.V. All rights reserved.