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Message: Federal Reserve Payments System Working Papers Network Competition and Merchant Discount Fees Fumiko Hayashi March 24, 2006 A Puzzle of Card Payment Pricing: Why Are Merchants Still Accepting Card Payments? Fumiko Hayashi March 2006 Competition and Credit and Debit Card Interchange Fees: A Cross-Country Analysis Fumiko Hayashi and Stuart E. Weiner November 2005 Interchange Fees in Various Countries: Developments and Determinants Stuart E. Weiner and Julian Wright November 2005 Public policy and the invisible price: competition law, regulation and the interchange fee John Vickers, Chairman, Office of Fair Trading May 6, 2005 A Puzzle of Card Payment Pricing: Why Are… Go to http://www.unfaircreditcardfees.com