Obniżka opłat kartowych nie pomoże resellerom?
Ustawowa redukcja prowizji od płatności kartami (interchange fee) nie zmniejszy kosztów przedsiębiorców. Banki odbiły sobie obniżki podnosząc inne opłaty – ustalił ARC Rynek i Opinia.

Banki, aby zrekompensować niższe dochody z obniżonej opłaty interchange, zwiększają koszty usług oraz chcą opłaty za to, co wcześniej było za darmo – zauważa Związek Przedsiębiorców i Pracodawców. Wiąże te kroki z wprowadzoną w tym roku ustawową obniżką interchange fee, czyli prowizji, jaką instytucje finansowe pobierają od sklepów i punktów usługowych za płatności klientów kartami (nie będą mogły być wyższe niż 0,5 proc.). Badanie ARC Rynek i Opinia dla ZPP przygotowano także w kontekście obniżenia przez Radę Polityki Pieniężnej stóp procentowych i spadku wskaźnika WIBOR (wysokość oprocentowania pożyczek udzielanych innym bankom).
Większość zmian, jakie banki wprowadziły w analizowanym okresie, była dla klientów niekorzystna – stwierdza ZPP. Na 15 analizowanych banków 8 podwyższyło przedsiębiorcom opłaty za prowadzenie rachunku, korzystanie z karty, przelewy. Rekordzista zwiększył opłaty za przelewy papierowe, zdefiniowanie zlecenia stałego, realizację zlecenia stałego wewnętrznego czy za przelew elektroniczny zewnętrzny.
Na 13 analizowanych banków 7 wprowadziło także zmiany w opłatach dla klientów indywidualnych (podrożało prowadzenie konta, zwiększono lub wprowadzono opłaty za użytkowanie kart debetowych, banki zachęcają klientów do częstszego płacenia kartą).
Dane wskazują, że obniżenie opłaty interchange odbije się negatywnie na klientach banków – twierdzi ZPP.
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