Mastercard II (AT.40049) [Archived]
Mastercard II (AT.40049) [Archived]

The following Competition guidance note provides comprehensive and up to date legal information covering:

  • Mastercard II (AT.40049) [Archived]
  • Case facts
  • Timeline
  • Commentary
  • Related cases


ARCHIVED–this archived case hub reflects the position at the date of the commitments accepted on 29 April 2019; it is no longer maintained.

See further: timeline, commentary and related cases.

Case facts

Outline European Commission Article 101 TFEU investigation into Mastercard (interchange fees), looking at restrictions on cross-border acquiring (preventing retailers in a high-interchange fee country from benefitting from lower interchange fees offered by acquiring banks in other countries) and inter-regional interchange fees (where a non-EEA consumer is using a card to purchase goods or services in the EEA) (case number AT.40049).

Latest developments On 29 April 2019, the Commission announced that it has accepted commitments offered by Mastercard in relation to inter-regional interchange fees. The commitments offered will reduce inter-regional exchange fees by around 40% on average.

Parties Mastercard, the international payment organisation responsible for managing and coordinating the Mastercard and Maestro card payment systems which includes, amongst other things, establishing the rules for the system and providing participating financial institutions with authorisation and compensation services. Responsibility for issuing Mastercard cards and concluding membership agreements with merchants for their acceptance of payments by means