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Article 3
A multilateral interchange fee may not exceed 0.2% of the value of transaction for any debit card transaction.
A multilateral interchange fee may not exceed 0.3% of the value of transaction for any credit card transaction.
Without prejudice to the caps under paragraphs 1 and 2 of this Article, the National Bank of Serbia may also impose a fixed maximum fee amount which may be charged for card-based payment transactions.
A payment service provider may not charge or offer a multilateral interchange fee contrary to paragraphs 1-3 of this Article.
For the purposes of application of the caps referred to in paragraphs 1-4 of this Article, any agreed remuneration, including net compensation, with an equivalent object and/or effect of the multilateral interchange fee, received by an issuer from the payment card scheme, acquirer or any other intermediary in relation to card-based payment transactions or related activities, shall be considered a part of the multilateral interchange fee.
For the purposes of monitoring the application of the caps referred to in paragraphs 1-4 of this Article, payment service providers shall submit to the National Bank of Serbia data on fees referred to in these paragraphs, while the National Bank of Serbia shall prescribe in more detail the contents, deadlines and method of submission of such data.
Without prejudice to the caps referred to in paragraphs 1-4 of this Article, if due to unfavourable competition in the market of provision of the payment service of acquiring card- based payment transactions in the Republic of Serbia, the level of the merchant service charge is incommensurate with the actual costs of the provision of this service - the National Bank of Serbia, by obtaining the prior opinion of the Competition Protection Commission, may also prescribe the highest percentage and/or fixed amount of the merchant service charge which may be charged for the provision of that service.
The acquirer may not charge or offer the merchant service charge contrary to the regulation referred to in paragraph 7 of this Article.
Provisions of this Article do not apply to the following:
1) card-based payment transactions relating to cash withdrawals at automatic teller machines or at counters of payment service providers;
2) payment transactions with commercial cards;
3) payment transactions with payment cards issued by a three-party payment card scheme.
