The US Department of Justice (DOJ) has announced that, as the result of a DOJ antitrust investigation, 'Visa Inc. has rescinded a rule that required merchants to treat Visa-branded debit cards differently when used as a PIN-debit card (and processed via non-Visa ne
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标签：杂谈 |
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标签：杂谈 |
US Dept. of Justice Investigation Results in Visa Debit Rule Change
The US Department of Justice (DOJ) has announced that, as the result of a DOJ antitrust investigation, 'Visa Inc. has rescinded a rule that required merchants to treat Visa-branded debit cards differently when used as a PIN-debit card (and processed via non-Visa ne
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标签：杂谈 |
自2008年6月4日起，澳大利亚的信用卡持卡人可以选择密码支付。这对银联业务来说是件好事，因为目前有很多交易是因为密码而被拒。
From 4 June 2008 most American Express, Diners Club, MasterCard or Visa cardholders have the choice of how they pay.
They can continue to sign to accept transactions, or enter a Personal Identification Number (PIN) at point of sale machines in participating shops across Australia.
美国运通近日公布2008年第一季度的财务数据，相比去年同期而言，其净业务虽然收入减少11%，但持卡人在全球的消费却增长了14%，达到1666亿美元（3%是由于美元贬值的影响）。各合作银行的发卡数量增长33%。商户扣率收入增长11%，平均商户扣率约为2.57%。美国运通实际有效持卡人数量已达到8800万人，增长了10%。全球借贷余额增长了19%，达到752亿美元。
American Express has reported its financial results for the first quarter of 2008 with net income from continuing operations down 11% compared to the same quarter last year while revenues net of interest expense were up 11%.
Activity at the Ritz-Carlton on Financial Street in Beijing, China. DOUG KANTER
在中国出境人数大幅增长的同时，中国的入境旅游人数也急剧上升，旅游业已经成为中国的一个重要产业。据统计，2007年约有1.32亿游客到访中国，总计消费420亿美元，这也使中国成为市场上第四大最受欢迎的到访国（前三位是法国、西班牙、美国）。预计今年到访人数将达1.5亿人，比去年增加14%。此外，根据世界旅游组织的预测，到2015年，中国将排名第一。（我个人觉得这里面可能有些水份，中国在海外有很多移民，他们的回国也可能算在这些数据之中。）
这是一个巨大的潜在市场，也这也将给银联卡海外的发行创造了良好的基础和条件。目前，新西兰、香港地区、日本、韩国等都已经发行银联卡，这也让来中国的游客有了更方便
Fall 2006 Overview
MasterCard and Visa have announced several changes that will go into effect on October 13th, 2006. While most of these changes will not impact our merchants directly, they include new interchange programs and updates to existing interchange programs.
Visa
Visa recently announced that they would provide access to
Interchange rates for merchants. Visa Interchange rates are now
publicly available on their web site at www.visa.com/merchant. As discussed on this
site, Interchange is a major component of your discount rate
pricing.
MasterCard
MasterCard has
defined a Zero Interchange Program under MasterCard's Business
Service Arrangement. We would anticipate
Discover
Effective April 4th, Discover is reducing the timeliness for all
Prime Submission Level programs by 1 day. Timeliness refers to the
number of days from when a transaction is processed until it is
submitted through Interchange to Discover (most industries set at 2
days). Your best practice is to settle daily.
Also effective April 4th, Discover is increasing Supermarket rates by +0.05%, decreasing Debit Express Services Interchange by -0.05%, increasing Debit Petroleum by +0.02% and Commercial Electronic by +0.04%.
January & February 2008 Overview
MasterCard
MasterCard has announced increases to their cross border assessment
for each transaction acquired in the US for non-US issued cards
processed. Effective January 2008, this fee will increase to 0.30%
(30 basis points) for transactions settled in U.S. dollars.
Also effective January 1, 2008, MasterCard will increase its Acquirer Progr
VISA和万事达颁布了于四月开始在美国生效的新交换费率，其内容与原有的交换费率什么区别呢？这里转贴一篇比较详细的文章介绍。
- April 1st is historically the date of the annual revisions to payment card interchange fees. Both Visa (for Visa USA and for Interlink) and MasterCard published their new US interchange fees this week.
Important MasterCard and Visa Interchange Updates
April 2008 Interchange Overview
Visa and MasterCard have announced Interchange modifications to become effective April 2008.
Visa
Visa is implementing an International
Service Assessment (ISA) fee on U.S. acquired transactions
发现卡金融服务公司近日宣布，已与花旗银行签订协议，以1.65亿美元收购该银行旗下的大莱卡。根据条款约定，发现卡公司将收购大莱卡国际网络（其北美地区之外消费交易额每年超过300亿美元）、品牌和商标、雇员以及世界范围内发行大莱卡的44家机构及其维护的受理网络（在185个国家中超过800万家商户和现金受理点）。花旗表示将继续支持大莱卡的发展，并仍将是大莱的长期
发卡合作机构。
发卡合作机构。
在未来两至三年之后，发现卡公司希望能合并与大莱卡的网
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出入海关 2- 澳洲境内的住址只填写您入境城市的饭店即可，如果您住在亲友家中，请填写亲友的地址。 3- 如果随身携带超过1万澳币或相当于的任何外币，都必须要申报。 当您走下飞机时: 第一步: 检疫（Quarantine） 如果您是直接从香港，台湾和大陆入境的游客，可以直接通过，不用检查。如果是由非洲，美洲来澳洲的客人就必须检疫。 第二步: 入境检查（Immigration） 主要是由移民局的官 |
