Gatekeeping at the counter: The regulation of stacked payment platforms

Renato Gomes and Yassine Lefouili
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Renato Gomes: TSE-R - Toulouse School of Economics - UT Capitole - Université Toulouse Capitole - UT - Université de Toulouse - EHESS - École des hautes études en sciences sociales - CNRS - Centre National de la Recherche Scientifique - INRAE - Institut National de Recherche pour l’Agriculture, l’Alimentation et l’Environnement

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Abstract: This paper explores the pricing of ancillary payment services by platforms and its implications for welfare. We distinguish between two types of platforms: vertical platforms that operate their own closed payment schemes, and stacked platforms that offer payment services through open schemes operated by third parties. We analyze the impact of a regulation mandating platforms to provide access to third-party payment services and examine the regulation of interchange fees within the context of stacked platforms.

Keywords: Platforms; Payment services; Ancillary services; Regulation; Interoperability; Interchange fee (search for similar items in EconPapers)
Date: 2024-11-07
Note: View the original document on HAL open archive server: https://hal.science/hal-04771069v1
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Working Paper: Gatekeeping at the counter: The regulation of stacked payment platforms (2024)
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