Visa 'sawv yuav poob ntau tshaj' los ntawm Fed cov cai tshiab debit-card, kws tshuaj ntsuam hais

Hnub Monday qhov hloov tshiab tau sau tseg tias lub sijhawm kawg rau kev siv yuav yog Lub Xya Hli 1, 2023.

Qhov kev hloov tshiab kawg no ua haujlwm kom paub meej Txoj Cai II ntawm Durbin hloov kho, uas tau teeb tsa txoj cai hais txog lwm txoj hauv kev xaiv hauv debit. Thaum qhov kev hloov kho Durbin tau dhau los ua tus duab ntxoov ntxoo ntawm kev kub ntxhov nyiaj txiag, nws tau nrhiav kev los tuav hauv kev lag luam nyiaj txiag los ntawm lub kaus mom ntawm kev sib pauv ntawm daim debit card thiab qhov yuav tsum tau muaj rau kev xaiv hauv kev routing. Kev xav los ntawm cov neeg tsim cai lij choj nyob rau lub sijhawm yog tias txoj kev xav tau yuav ua rau kom muaj kev sib tw thiab txo cov nqi ua haujlwm.

Qhov teeb meem tau rov tshwm sim tam sim no vim tias thawj qhov kev siv ntawm lub npe Reg II tau tsom mus rau kev lag luam hauv khw muag khoom: cov neeg siv daim npav rho nyiaj yuav paub txog pom kev xaiv rau Visa debit thiab PIN debit thaum them nyiaj ntawm lub tsev muag khoom, piv txwv li.

Ntau tshaj li kaum xyoo rov qab, "kev ua lag luam tsis tau tsim cov kev daws teeb meem los txhawb ntau lub network rau daim npav-tsis-tam sim no-daim npav rho nyiaj," Fed tau hais rau hnub Monday, tab sis tam sim no "thev naus laus zis tau hloov kho los daws cov teeb meem no."

Txawm hais tias qhov kev hloov tshiab tshiab tsis yog qhov xav tsis thoob tshwj xeeb vim nws qhov zoo sib xws rau daim ntawv txiav txim siab tshaj tawm ib xyoos dhau los, Visa "sawv yuav poob ntau tshaj" los ntawm kev hloov pauv, raws li Barclays tus kws tshuaj ntsuam Ramsey El-Assal. Visa muaj "kev sib koom ua lag luam ntau" hauv kev ua lag luam rau US debit cards, nws tau sau tseg.

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Thaum El-Assal tsis paub meej tias qhov kev lag luam feem ntau Visa yuav poob li cas los ntawm cov lus qhia tshiab tshaj plaws, nws tau kwv yees tias "qhov tsim nyog qhov zoo tshaj plaws-rau-qhov phem tshaj plaws-cov ntaub ntawv los xav txog" yuav yog 1% mus rau 3% net. - Cov nyiaj tau los headwind rau Visa.

Yog tias Visa tau tso tseg txoj kev lag luam, Mastercard Inc.
THIAB,
-0.34%
tuaj yeem nqus tau qee qhov ntawm qhov sib koom, nws tau sau tseg. Fiserv Inc.
FISV,
-0.46%,
uas khiav lwm lub STAR network, thiab Fidelity National Information Services Inc.
FIS,
-0.62%,
uas khiav NYCE network, kuj sawv los nce.

"Qhov no yuav zoo ib yam li Visa's PIN debit kev lag luam-kev sib faib poob tom qab kev ua tiav ntawm thawj Durbin Kev Hloov Kho Kev tshem tawm ntawm kev sib koom ua ke (txawm tias Visa tuaj yeem thim rov qab cov nyiaj poob qis dhau sijhawm los ntawm kev tsim nqi tshiab), "El-Assal tau sau.

Jefferies kws tshuaj ntsuam Trevor Williams tau kwv yees tias txoj cai tuaj yeem txhais tau hais tias kwv yees li 3% cov nyiaj tau los tsis zoo rau Visa, txawm hais tias nws xav tias Mastercard tuaj yeem pom qhov cuam tshuam nyiaj tau los tsis zoo, tej zaum 2% ntawm ib feem sib koom. Cov kev hloov pauv tuaj yeem txhais tau tias "3% tailwind rau FISV ntawm STAR share tau txais txiaj ntsig," nws ntxiv rau hauv daim ntawv rau cov neeg siv khoom.

Williams suav hais tias txoj cai "tseem ceeb dua li qhov tau hais tseg thaum xub thawj," uas tuaj yeem pab Visa thiab Mastercard txwv kev poob qis.

"Raws li txoj cai kawg, cov neeg tsim khoom yuav tsum tsuas yog xyuas kom meej tias txhua daim npav rho nyiaj tuaj yeem ua tiav ntawm tsawg kawg ob lub koom haum tsis koom nrog - txawm hais tias ob lub network yuav kawg tsis muaj rau cov tub lag luam yog tias, piv txwv li, ib qho ntawm ob lub network tau qhib rau ntawm daim npav yog tsis tau txais los ntawm cov tub lag luam (zoo li, muab qhov kev lees paub me me rau STAR, NYCE, Pulse, thiab lwm yam), "nws hais.

Ib tus neeg hais xov xwm Visa tsis tau teb rau MarketWatch qhov kev thov kom tawm tswv yim txog txoj cai, thaum Mastercard tus cev lus tsis kam tawm tswv yim vim lub tuam txhab tseem tab tom tshuaj xyuas cov ntawv tshaj tawm.

Qhov hloov tshiab tshiab los ntawm Fed zoo li zaum zoo nrog cov tub lag luam.

"Qhov kev txiav txim siab no yog qhov tseem ceeb tshwj xeeb vim tias muaj kev hloov pauv loj rau kev lag luam e-lag luam thaum muaj kev sib kis thoob ntiaj teb thiab kev siv xov tooj ntawm tes thiab hnab nyiaj digital ntau ntxiv rau kev yuav khoom hauv khw," Doug Kantor, tus thawj coj hauv pawg thawj coj ntawm Pab Pawg Muag Khoom Them Nyiaj, hauv ib qho. tso tawm. "Cov kev lag luam no suav nrog kev nce zuj zus ntawm peb lub tebchaws kev lag luam thiab Fed tau kaw qhov tsis txaus ntseeg uas tso cai rau lawv kom dim ntawm kev sib tw los ntawm Congress."

Fed tau qhia nyob rau hauv nws hnub Monday tshaj tawm tias "ntau tus debit card issuers, thiab tshwj xeeb tshaj yog feem ntau ntawm cov tuam txhab nyiaj hauv zej zog, twb tau ua raws li txoj cai kawg," tab sis cov lus tshaj tawm tseem cuam tshuam los ntawm kev lag luam nyiaj txiag.

"Kev ua raws li txoj cai kawg no yuav ua rau muaj kev nqis tes ua thiab kev dag ntxias rau cov tuam txhab nyiaj txiag me, nyob rau sab saum toj ntawm txhua yam uas lawv tau tawm tsam nrog kev nce nyiaj txiag, tag nrho rau cov txiaj ntsig ntawm cov khw muag khoom loj thiab cov khw muag khoom loj hauv online xws li Amazon," said Dan Berger, tus thawj tswj hwm ntawm National Association of Federally-Insured Credit Unions, nyob rau hauv nqe lus rau MarketWatch.

Nws yog ib qho xwm txheej tshwm sim nyob rau hauv lub ntiaj teb ntawm daim npav routing, raws li Sen. Dick Durbin, Illinois Democrat, thiab Sen. Roger Marshall, tus Kansas Republican, tau tshaj tawm hnub Monday hais tias lawv tab tom nrhiav txuas. lawv cov credit-card routing proposal raws li kev hloov kho rau cov peev nyiaj tiv thaiv. Qhov kev hloov kho Durbin coj txog lwm txoj hauv kev uas yuav tsum tau ua hauv kev ua lag luam debit, thiab tsab cai lij choj tshiab no tsom mus siv cov cai zoo sib xws rau thaj chaw qiv nyiaj.

Rau ntau ntxiv: Daim nqi tsom mus rau Visa thiab Mastercard yog 'tseem muaj sia nyob,' tab sis txoj hauv kev kawg 'zoo li kev xav tsis thoob'

Cov kws tshuaj ntsuam feem ntau pom qhov tsis tshua muaj kev vam meej rau qhov kev pib no.

"Ntxiv rau daim nqi tiv thaiv yog qhov nyuaj raws li kev hloov kho uas tsis yog germane zoo li yuav raug tsis lees paub," Cowen & Co. kws tshuaj ntsuam Jaret Seiberg tau sau rau hauv tsab ntawv rau cov neeg siv khoom.

Seiberg tau hais ntxiv tias: "Nws nyuaj rau peb pom tias vim li cas kev coj noj coj ua yuav xav tau kev sib ntaus loj uas tuaj yeem ua rau muaj kev cuam tshuam rau nom tswv hauv kev xaiv tsa thawj tswj hwm."