The market for acquiring card payments from small and medium-sized Canadian merchants

This note uses industry data and a unique dataset of small and medium-sized merchants to provide insights into the acquirer-merchant market in Canada. Three main findings are presented. First, smaller merchants pay their acquirer more for every dollar of card payment than larger merchants. Second, this finding is mainly explained by high fixed costs. Third, the acquiring market in Canada is concentrated and has remained fairly stable since 2010.

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Year of publication:	2020
Authors:	Welte, Angelika ; Molnar, Jozsef
Publisher:	Ottawa : Bank of Canada
Subject:	Financial services \| Market structure and pricing \| Payment clearing and settlement systems

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Series:	Bank of Canada Staff Discussion Paper ; 2020-5
Type of publication:	Book / Working Paper
Type of publication (narrower categories):	Working Paper
Language:	English
Other identifiers:	10.34989/sdp-2020-5 [DOI] 1701012332 [GVK] hdl:10419/227816 [Handle] RePEc:bca:bocadp:20-5 [RePEc]
Classification:	C - Mathematical and Quantitative Methods ; C2 - Econometric Methods: Single Equation Models ; D - Microeconomics ; D2 - Production and Organizations ; E - Macroeconomics and Monetary Economics ; E4 - Money and Interest Rates ; E42 - Monetary Systems; Standards; Regimes; Government and the Monetary System
Source:	EconStor

Persistent link: https://www.econbiz.de/10012388837