2 PAYMENT METHOD PROFILES: CARD
Global Overview Credit Card
U.S.
Australia
Canada
France
Japan
Average number of consumer
5
5
5
1
6
card types by international 4P networks 172
No, but legislation has previously been introduced
Credit co-badging in Market
No
No
Yes
No
Credit card penetration by channel 173
POS - 40% Ecom - 31%
POS - 28% Ecom -19%
POS - 50% Ecom - 46%
POS - 24% Ecom - 21%
POS - 33% Ecom - 55%
Interchange Cap
No
Yes
No, voluntary cap
Yes
No
Table 2.5
Debit Card
U.S.
Australia
Canada
France
Japan
Number of domestic debit networks Co-badging in market Debit card penetration by channel 175 Domestic Network Market Share (Est.) 176
1
1
1
1
10 174
Yes, not mandated
Yes, not mandated
Yes, not mandated
Yes, mandated Yes, mandated
POS - 30% Ecom - 18%
POS - 38% Ecom -20%
POS - 24% Ecom - 11%
POS - 48% Ecom - 29%
POS - 4% Ecom - 4%
4%
21%
28%
84%
32%
Yes, only for issuers with over $10 billion in assets
Interchange Cap
Yes, all issuers
No, voluntary caps
Yes
No
Table 2.6
66
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