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Insider Intelligence publishes hundreds of insights, charts, and forecasts on the Payments & Commerce industry with the Payments & Commerce Briefing. You can learn more about subscribing here. Merchants' annual savings as a result of the IFR are high, but they come at a cost for issuers. When it was implemented, the IFR cut most card fees in many markets substantially, per . The cuts saved merchants an estimated €1.2 billion annually, which has enabled them to improve services and avoid raising prices to cover card fees, even as cash payments become less popular in the region. Acquirers and processors have seen similar savings annually.
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