Card, Internet and Mobile Payments (Green Paper)

The Commission aims to implement a fully integrated payment market in the EU. In its Green Paper, the Commission presents action plans for the market integration.


Market regulation with regard to multilateral inter-bank fees (MIF), “No Discrimination Rules”, “Honour All Cards Rules” and the separation of payment schemes and processing entities is justifiable only if a “non-contestable market power” exists. Cross-border acquiring and the access of alternative payment service providers to account information of bank customers strengthens competition.