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Why Don't Most Merchants Use Price Discounts to Steer Consumer Payment Choice?
刊名：
Review of Industrial Organization
作者：
Tamas Briglevics
（Economics Department, Boston College）
Oz Shy
（Research Department, Federal Reserve Bank Boston）
刊号：
714LB059
ISSN：
0889-938X
出版年：
2014
年卷期：
2014, vol.44, no.4
页码：
367-392
总页数：
26
分类号：
T-2
关键词：
Steering payment methods
；
Price discounts
；
Card surcharges
；
Merchant discount fee
；
Swipe cost
；
Payment instruments
；
Payment methods
参考中译：
语种：
eng
文摘：
Recent legislation and court settlements in the United States allow merchants to use price discounts to steer customers to pay with means of payment that are less costly to merchants. We use transaction data to compute rough estimates of the expected net cost reduction by merchant type of giving debit card and cash price discounts. We find that steering consumers to debit and cash via simple price discounts reduces most merchants' card processing cost; however, this reduction is small and may be insufficient to offset the increase in the cost of administering price menus that vary by payment instrument.
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