From May 1, the interbank commission rate for the markets will be reduced to 0.5%, subject to the promotion of NSPK services. Now the bank through which the market operates transfers from 0.8 to 1% to the bank that issued the card to the buyer.
The new tariff will be available to sites that, in addition to all other requirements (billing, NSPK loyalty program and Mira affiliate programs), will participate in non-NSPK affiliate programs at their own expense, Kommersant writes.
The main condition is that these programs must aim to increase participation in the use of payment cards, as well as other NPS services.
According to Dmitry Vishnyakov, an expert in the payment card market, the innovation will help reduce the income of issuing banks from transactions in the markets. In particular, the reduced rate promotes payments through the Faster Payment System (FPS).
- As of April 25, 2023, acquiring banks must ensure that half of the POS terminals accept payments by means of a QR code generated on the smartphone of the Mir card holder, and as of October 25, in 85% of the POS. This is a new way to pay with a Mir card using a smartphone. According to analysts, a terminal with a reader costs 15-20 thousand rubles, about 1.85 million terminals will need to be replaced, and the total cost of re-equipment can cost banks tens of billions of rubles.
Author:
karina pardaeva
Source: RB
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