Bancherul - BANCI / Profil / Visa, investigata de Comisia Europeana pentru impunerea de taxe la tranzactiile cu cardul la comercianti

Comisia Europeana a anuntat, intr-un comunicat de presa (vezi documentul atasat), ca a initiat procedurile privind investigarea Visa, suspectata de impunerea unor taxe in cazul tranzactiilor internationale cu carduri la comercianti.

Comisia Europeana a luat deja o decizie impotriva MasterCard, in acelasi caz, procesatorul de carduri fiind obligat sa-si revizuiasca politica de taxe impuse comerciantilor in cazul utilizarii cardului la cumparaturi.

O declaratie a executivului Uniunii Europene (UE) mentiona c� Visa Europe, detinut� de 4.600 de b�nci, care au emis 348 milioane de carduri, este suspectat� c� a �nc�lcat regulile UE, "ce interzic practicile restrictive precum fixarea preturilor".

Visa Europe a anuntat �n ianuarie c� sper� s� ajung� la un acord cu executivul european pentru a-si p�stra taxa de schimb aplicat� tranzactiilor, �n ciuda deciziei luate de Comisie �n decembrie �mpotriva taxei impuse de concurenta MasterCard.

Comisia, care are autoritatea de a reglementa concurenta �n cele 27 de state ale Uniunii Europene, a anuntat c� �nceperea procedurilor nu �nseamn� c� dispune de dovezi �n leg�tur� cu eventuale �nc�lc�ri ale legii, si c� nu este un termen limit� impus anchetei.

Retailerii trebuie s� pl�teasc� o tax� multilateral� de schimb de fiecare dat� c�nd consumatorii folosesc un card de credit pentru a face o achizitie. Banii sunt retinuti de banca ce deserveste clientul si provin de la banca ce deserveste comerciantul.

Regula "plata prin toate cardurile" oblig� retailerii s� accepte toate cardurile valide marca Visa, �ndiferent de emitent, de natura tranzactiei sau de tipul de card.

�n 2002, Comisia a anulat tax� multilateral� de schimb propus� de Visa International dup� ce compania a �ntreprins reforme semnificative, reduc�nd treptat nivelul taxei.

Cu toate acestea, interdictiile Comisiei Europene au expirat la 31 decembrie 2007 si Visa Europe a preluat responsabilitatea Visa International de a se asigura c� regulile companiei respect� legislatia Uniunii Europene, a mai anuntat Comisia.

Comunicatul de presa al Comisiei Europene:

Antitrust: Commission initiates formal proceedings against Visa Europe Limited

The European Commission has decided to open formal antitrust proceedings against Visa Europe Limited in relation to its multilateral interchange fees (MIF) for cross-border point of sale transactions within the EEA using Visa branded consumer payment cards, and the "Honour-All-Cards-Rule" as it applies to these transactions. The proceedings will seek to establish whether these practices constitute infringements of Article 81 of the EC Treaty and Article 53 of the EEA Agreement, which forbid restrictive business practices such as price fixing.

This initiation of proceedings does not imply that the Commission has proof of an infringement. It only signifies that the Commission will conduct an in-depth investigation of the case as a matter of priority.

There is no strict deadline for the Commission to complete inquiries into anticompetitive conduct. Their duration depends on a number of factors, including the complexity of each case, the extent to which the undertakings concerned co-operate with the Commission and the exercise of the rights of defence.

What is the decision of the Commission to initiate proceedings about?

The proceedings concern the Visa network rules relating to the MIF for cross-border point of sale consumer payment card transactions within the EEA and, by default, for certain domestic point of sale consumer payment card transactions within the EEA, as well as the "Honour-All-Cards-Rule" as it applies to these transactions. The MIF is a charge on each payment at a merchant outlet, retained by the customer’s bank (the "issuing bank") and charged to the merchant’s bank (the "acquiring bank"), which then takes this cost element on board in setting its prices to merchants. The "Honour-All-Cards-Rule" obliges merchants to accept all valid Visa-branded cards, irrespective of the identity of the issuer, the nature of the transaction and the type of card being issued

In 2002, the Commission exempted the MIF proposed by Visa International (see IP/02/1138) after Visa International offered substantial reforms. The Commission cleared Visa’s "Honour-All-Cards-Rule" in 2001 (see IP/01/1198). In the proceedings leading to the Commission decision of 2002, Visa offered to progressively reduce the level of its MIF from an average of 1.1% to 0.7% until the end of 2007 and to cap the MIF at the level of costs for specific services. Visa also enhanced the transparency of fees and allowed banks to reveal information about the MIF to businesses. The exemption, however, expired on 31 December 2007 and Visa Europe Limited, which has taken over responsibility from Visa International for the network rules applicable in the EEA, has from that moment been responsible for ensuring that its system is in full compliance with EU competition rules.

What is the legal base for the decision opening proceedings?

The legal base of this procedural step is Article 11(6) of Council Regulation No 1/2003 and Article 2(1) of Commission Regulation No 773/2004.

Article 11(6) of Council Regulation No 1/2003 provides that the initiation of proceedings relieves the competition authorities of the Member States of their authority to apply the competition rules laid down in Articles 81 and 82 of the EC Treaty. Moreover, Article 16(1) of the same Regulation provides that national courts must avoid giving decisions which would conflict with a decision contemplated by the Commission in proceedings that it has initiated.

Article 2(1) of Commission Regulation No 773/2004 provides that the Commission can initiate proceedings with a view to adopting, at a later stage, a decision on substance according to Articles 7-10 of Council Regulation No 1/2003 at any point in time, but at the latest when issuing a statement of objections or a preliminary assessment notice in a settlement procedure. In the case at stake, the Commission has chosen to open proceedings before any such further steps.