White Paper: The Ongoing Erosion of Durbin Amendment Savings

13th February 2020
Callum Godwin
Callum Godwin

About the Whitepaper:

As the result of many years’ hard-fought campaigning from merchant advocates, the Durbin amendment was supposed to be a one-off, definitive solution to the problem of excessive debit card interchange fees.

Unfortunately, this was not the case. Not only were the final interchange caps far higher than initially quoted, we have since seen a plethora of new and amended network fees that have heavily eroded the savings merchants received from the Durbin amendment.

This white paper will highlight some of the issues with the Durbin amendment, what lessons can be learned from other jurisdictions, and what merchants should be doing to halt erosion of benefits and create a fair payments ecosystem.

Topics Covered Include:

Durbin Methodology

We examine the methodology used in the U.S. and how it differs from other regions.

Network Fee Increases

Fee increases from Visa and Mastercard have slashed Durbin savings by more than half.

A Global Perspective

We take a look at how different countries have dealt with interchange caps.

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The Ongoing Erosion of Durbin Amendment Savings

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