ENDNOTES 7
Reserve Bank of Australia
Worldpay Global Payments Report 2025
Bank of International Settlement + Central Bank of Brazil
Euromonitor
Coalition for a Digital Economy Bank of Mexico MinterEllisonRuddWatts Statista VVA Report Davis Wrigh Tremaine Law Firm Kansas City Fed Visa Mastercard American Express Discover
Debit Card
Klarna IPO Prospectus
Klarna IPO Prospectus
Zip 10k
Zip 10k
BNPL
Sezzle 10k Affirm 10k Coinbase
Sezzle 10k Affirm 10k Coinbase
BitPay
BitPay
Flexa
Flexa
Stablecoin
PayPal
PayPal
Stripe
Stripe
BVNK
BVNK
PayPal 10k
PayPal 10k
Practical Ecommerce
Business of Apps
Digital Wallets (Staged)
Adyen
Grab 10k
Square
BLIK.com Block Annual Report
Bank of International Settlement + Central Bank of Brazil
Matera
Australian Payments Plus
Euromonitor
Real Time Payments
Adyen
National Payments Corporation of India (NPCI)
Smartprix
Stripe
Euromonitor
Bank Transfer
Adyen PayPal
48 Digital Payments in China are Cheap and Convenient | PracticalEcommerce 49 Credit and Debit Card Interchange Fees Assessed to Merchants in the United States | Kansas City Fed 50 Credit Cards: Rising Interchange Fees Have Increased Costs for Merchants, but Options for Reducing Fees Pose Challenges | U.S. GAO (A 2009 report from the U.S. Government Accountability Office (GAO) looked at the popularity of rewards cards and their relationship with interchange fees) 51 CMSPI Analysis of Publicly Available Data 52 Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions | Official Journal of the European Union
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