美国司法部加大 Visa 借记卡反垄断调查力度

美国司法部 (DOJ) 正在继续对 Visa 借记卡业务进行反垄断调查，寻求与其他支付网络竞争相关的更多文件和信息。 Visa一直在配合于2021年启动的调查。与此同时，欧盟委员会也对Visa与客户的激励协议展开了调查。此前，美国联邦贸易委员会 (FTC) 最近发布一项命令，要求万事达卡与竞争网络共享处理借记付款的客户账户信息，此举被视为消费者和商家的胜利。

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

司法部加强对 Visa 借记卡行为的调查

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 最近向美国证券交易委员会 (SEC) 提交的文件显示，美国司法部 (DOJ) 正在扩大对 Visa 借记卡行为的调查。

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.

根据 SEC 提交的文件，司法部正在寻求有关 Visa 在美国借记卡业务的更多文件和信息，特别关注其与其他支付方式和网络的竞争行为。

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.

此次调查源于对 Visa 在借记卡行业从事反竞争行为的指控，这可能会阻碍零售商利用低成本的卡网络。

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，司法部反垄断部门对 Visa 借记卡行为发起调查。该调查旨在确定 Visa 是否采取策略阻止零售商通过收费较低的替代网络进行借记卡交易。

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.

除了司法部正在进行的调查外，Visa 还透露，欧盟委员会上个月通知该公司对其与客户的激励协议进行调查。

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.

这些进展是在联邦贸易委员会 (FTC) 最近针对万事达卡提出命令之后发生的。美国联邦贸易委员会声称，万事达卡通过限制其他网络访问处理借记支付所需的客户帐户信息来限制借记卡市场的竞争。

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.

美国联邦贸易委员会提议的命令要求万事达卡与竞争网络共享必要的客户信息。该机构称赞这项措施是依赖借记卡支付的消费者和商家的胜利。

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 的重点是代币化交易，这是一个用称为代币的非敏感等价物替换敏感数据元素的过程。这些标记充当通过标记化系统映射回原始数据的引用。

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.

对 Visa 和万事达卡正在进行的调查凸显了反垄断机构对支付行业行为的严格审查。这些调查旨在确保公平竞争并保护消费者和企业免受潜在的反竞争行为的影响。