解决美国商家痛点？Visa(V.US)和万事达(MA.US)达成300亿美元刷卡费和解协议

智通财经03-27

智通财经APP获悉，据报道，当地时间周二，Visa(V.US)和万事达(MA.US)与原告商家达成了一项价值约300亿美元的和解协议，拟限制向商家收取的信用卡和借记卡费用，其中部分节省的费用可能会转嫁给消费者。这项反垄断和解协议是美国历史上规模最大的和解协议之一，一旦获得法院批准，将解决大部分始于2005年的诉讼索赔。一些批评人士认为，这可能还远远不够，称节省的费用将是暂时的，而且费用仍将居高不下...

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Visa (V.US) and MasterCard (MA.US) reached a settlement agreement for 30 billion US dollars in credit card fees","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"V":1,"MA":1,"LU":0.6},"content_text":"智通财经APP获悉，据报道，当地时间周二，Visa(V.US)和万事达(MA.US)与原告商家达成了一项价值约300亿美元的和解协议，拟限制向商家收取的信用卡和借记卡费用，其中部分节省的费用可能会转嫁给消费者。这项反垄断和解协议是美国历史上规模最大的和解协议之一，一旦获得法院批准，将解决大部分始于2005年的诉讼索赔。一些批评人士认为，这可能还远远不够，称节省的费用将是暂时的，而且费用仍将居高不下。长期以来，商家一直指责Visa和万事达在消费者使用信用卡或借记卡时收取过高的刷卡费，并通过“反操纵”规则阻止他们引导消费者使用更便宜的支付方式。根据Bankrate.com的数据，刷卡费用通常包括小额固定费用加上总销售额的一定比例，平均每笔交易约为1.5%至3.5%。根据和解协议，Visa和万事达将在三年内将刷卡费率降低至少4个基点，并确保五年内的平均费率比目前的平均水平低7个基点。两家信用卡公司还同意取消反操纵条款。与此同时，商家将有更多提供折扣的灵活性，或对交易费用较高的卡征收附加费。法庭文件显示，单是费用减免和限制费率就价值297.9亿美元。Visa估计，小企业占和解商户的90%以上。Visa和万事达同意和解，否认存在不当行为。Visa北美总裁在一份声明中表示，该协议解决了小企业的“真正痛点”，而万事达总法律顾问Rob Baird表示，该协议给了企业“很大的确定性”。周二的和解协议需要得到美国地区法官Margo Brodie的批准，时间可能在2024年底或2025年初之后。TD Cowen分析师Jaret Seiberg表示，小型银行和信用合作社可能会反对这一和解协议，因为沃尔玛等大型零售商可能会与大银行达成交易，推出在结账时提供折扣的信用卡。但他表示，该协议反映出Visa、万事达和银行做出了“非同寻常的让步”，因为商家可以对航空信用卡和现金返还信用卡征收附加费，不过金额可能很少，因为他们更愿意完成销售，而不是节省费用。截至周二收盘，Visa下跌0.2%，万事达上涨0.2%。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2422988839"}