美國司法部加大 Visa 金融卡反壟斷調查力度

美國司法部 (DOJ) 正在繼續對 Visa 金融卡業務進行反壟斷調查，尋求與其他支付網路競爭相關的更多文件和資訊。 Visa一直在配合於2021年啟動的調查。同時，歐盟委員會也對Visa與客戶的激勵協議展開了調查。此前，美國聯邦貿易委員會 (FTC) 最近發布一項命令，要求萬事達卡與競爭網絡共享處理借記付款的客戶帳戶信息，此舉被視為消費者和商家的勝利。

Department of Justice Investigation into Visa's Debit Card Practices Intensifies

司法部加強對 Visa 金融卡行為的調查

The United States Department of Justice (DOJ) is expanding its investigation into Visa's debit card practices, as revealed by the company's recent filing with the Securities and Exchange Commission (SEC).

Visa 最近向美國證券交易委員會 (SEC) 提交的文件顯示，美國司法部 (DOJ) 正在擴大對 Visa 金融卡行為的調查。

According to the SEC filing, the DOJ is seeking additional documents and information pertaining to Visa's debit card operations in the United States, particularly focusing on its competitive practices with other payment methods and networks.

根據 SEC 提交的文件，司法部正在尋求有關 Visa 在美國借記卡業務的更多文件和信息，特別關注其與其他支付方式和網路的競爭行為。

The investigation stems from allegations that Visa engaged in anticompetitive conduct in the debit card industry, potentially hindering retailers from utilizing lower-cost card networks.

這項調查源於對 Visa 在藉記卡行業從事反競爭行為的指控，這可能會阻礙零售商利用低成本的卡片網路。

In 2021, the DOJ's antitrust division initiated an investigation into Visa's debit card practices. The probe aimed to determine whether Visa employed tactics to prevent retailers from routing debit card transactions through alternative networks that offered lower fees.

2021 年，司法部反壟斷部門對 Visa 金融卡行為發起調查。該調查旨在確定 Visa 是否採取策略阻止零售商透過收費較低的替代網路進行金融卡交易。

In addition to the DOJ's ongoing investigation, Visa disclosed that the European Commission notified the company last month of an investigation into its incentive agreements with clients.

除了司法部正在進行的調查外，Visa 還透露，歐盟委員會上個月通知該公司對其與客戶的激勵協議進行調查。

These developments follow the recent proposed order by the Federal Trade Commission (FTC) against Mastercard. The FTC alleged that Mastercard restricted competition in the debit card market by limiting other networks' access to customer account information necessary for processing debit payments.

這些進展是在聯邦貿易委員會 (FTC) 最近針對萬事達卡提出命令之後發生的。美國聯邦貿易委員會聲稱，萬事達卡透過限制其他網路存取處理借記支付所需的客戶帳戶資訊來限制借記卡市場的競爭。

The FTC's proposed order requires Mastercard to share the requisite customer information with competing networks. The agency hailed the measure as a victory for consumers and merchants who rely on debit card payments.

美國聯邦貿易委員會提議的命令要求萬事達卡與競爭網路分享必要的客戶資訊。該機構稱讚這項措施是依賴借記卡支付的消費者和商家的勝利。

The FTC's focus is on tokenized transactions, a process that replaces sensitive data elements with non-sensitive equivalents known as tokens. These tokens act as references that map back to the original data through tokenization systems.

FTC 的重點是代幣化交易，這是一個用稱為代幣的非敏感等價物替換敏感資料元素的過程。這些標記充當透過標記化系統映射回原始資料的參考。

The ongoing investigations into Visa and Mastercard underscore the intensifying scrutiny of payment industry practices by antitrust authorities. These probes aim to ensure fair competition and protect consumers and businesses from potential anticompetitive conduct.

對 Visa 和萬事達卡正在進行的調查凸顯了反壟斷機構對支付產業行為的嚴格審查。這些調查旨在確保公平競爭並保護消費者和企業免受潛在的反競爭行為的影響。