ZPP: regulacja opłat kartowych niedobra dla małych firm
Ustawowe ograniczenie prowizji od transakcji kartowych to działanie na szkodę drobnych sprzedawców – twierdzi Związek Przedsiębiorców i Pracodawców. Zdaniem organizacji wygranymi będą sieci handlowe.

Opłaty od transakcji kartami (interchange fee) należy zmniejszyć, ale nie ustawą, lecz naciskiem ze strony akceptantów kart i konsumentów – apeluje ZPP. Od 2013 r. w Polsce stawka prowizji będzie obniżona do 0,8 – 1,3 proc. Za ustawowymi regulacjami jest NBP. Swoje projekty zgłosiły kluby parlamentarne, wśród nich są propozycje na poziomie 0,5 proc. Średnia unijna dla kart debetowych wynosi 0,7 proc., a dla kart kredytowych 0,84 proc. W Polsce opłaty należą do najwyższych w UE i jak dotąd nie było siły, która skłoniłaby organizacje kartowe i banki do większych obniżek.
Zdaniem ZPP dalsze cięcia może wymusić tylko rynek, a nie przepisy, ponieważ ustawowe ograniczenia prowizji spowodują, że konsumenci oraz drobny biznes zostaną obciążeni dodatkowo – mianowicie poprzez wyższe opłaty bankowe oraz opłaty dla agentów rozliczeniowych. Tak banki będą kompensować sobie utracone przychody – tłumaczy ZPP. Przywołuje przykład Hiszpanii, gdzie powstał podobny problem po administracyjnej obniżce stawek.
ZPP zwraca uwagę, zaproponowane regulacje chronią agentów rozliczeniowych, gdyż nie narzucają im maksymalnego poziomu opłat. Według organizacji beneficjentami wprowadzonych przepisów będą duże sieci handlowe, które mogą oprzeć się prowizjom narzucanym przez banki i agentów rozliczeniowych. Mały i średni biznes oraz konsumenci nie mają takiej siły, poniosą więc w końcowym efekcie koszty wprowadzenia ustawowych ograniczeń interchange fee – uważa Związek Przedsiębiorców i Pracodawców.
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ZPP: T-Mobile chce nas zastraszyć. Oświadczenie firmy
T-Mobile Polska żąda od związku przedsiębiorców 1 mln zł - poinformował ZPP.