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Regulation (EU) 2015/751 of the European Parliament and of the CouncilShow full title
Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (Text with EEA relevance)
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Changes over time for: Article 7
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Regulation (EU) 2015/751 of the European Parliament and of the Council, Article 7 is up to date with all changes known to be in force on or before 04 August 2025. There are changes that may be brought into force at a future date. Changes that have been made appear in the content and are referenced with annotations.
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Changes and effects yet to be applied to Article 7:
- Regulation revoked by 2023 c. 29 Sch. 1 Pt. 1
Article 7U.K.Separation of payment card scheme and processing entities
1.Payment card schemes and processing entities:
(a)shall be independent in terms of accounting, organisation and decision-making processes;
(b)shall not present prices for payment card scheme and processing activities in a bundled manner and shall not cross-subsidise such activities;
(c)shall not discriminate in any way between their subsidiaries or shareholders on the one hand and users of payment card schemes and other contractual partners on the other hand and shall not in particular make the provision of any service they offer conditional in any way on the acceptance by their contractual partner of any other service they offer.
F12.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3.Payment card schemes shall allow for the possibility that authorisation and clearing messages of single card-based payment transactions be separated and processed by different processing entities.
4.Any territorial discrimination in processing rules operated by payment card schemes shall be prohibited.
5.Processing entities within the [F2United Kingdom] shall ensure that their system is technically interoperable with other systems of processing entities within the [F2United Kingdom] through the use of standards developed by international or [F3United Kingdom] standardisation bodies. In addition, payment card schemes shall not adopt or apply business rules that restrict interoperability among processing entities within the [F2United Kingdom].
[F46.The Payment Systems Regulator may make technical standards establishing the requirements to be complied with by payment card schemes and processing entities to ensure the application of point (a) of paragraph 1 of this Article.]
Textual Amendments
F1Art. 7(2) omitted (31.12.2020) by virtue of The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(2) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)
F2Words in Art. 7(5) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(3)(a) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)
F3Words in Art. 7(5) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(3)(b) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)
F4Art. 7(6) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 9(4) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)
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