The payment cards market is a two-sided market. Cost sensitivity of both consumers and merchants for card services influences total demand. Survey data of Dutch merchants shows that costs and cost perception affect acceptance as well as surcharging decisions. Merchants who find payment cards...

We employ a unique dataset of transaction records to analyse the impact of survey set-up on consumers’ payments registration behaviour. Survey data are used for econometric analyses and validated against other payments data. The results reveal that the length of the registration period...