# Instrument Metadata # Output tuned for LLM consumption -- deterministic parse of the # EUR-Lex source, no LLM involved in generation. instrument_id: ifr celex: "32015R0751" eli: "http://data.europa.eu/eli/reg/2015/751/oj" full_title: Interchange Fee Regulation 2015/751 short_title: IFR instrument_type: regulation document_type: regulation normative_weight: binding jurisdiction: EU effective_period: from: "2015-06-08" to: null dates: adopted: "2015-04-29" entered_into_force: "2015-06-08" status: in_force structure_levels: - title - chapter - article total_articles: 18 total_recitals: 44 definitions_article: 2 chunk_strategy: by_chapter chunks: - /ifr/chunks/recitals.md - /ifr/chunks/ifr_t01_general_provisions.md - /ifr/chunks/ifr_t02_interchange_fees.md - /ifr/chunks/ifr_t03_business_rules.md - /ifr/chunks/ifr_t04_final_provisions.md generated_at: "2026-05-01T17:48:43.394Z" articles: - article_number: 1 article_title: Scope chunk_file: /ifr/chunks/ifr_t01_general_provisions.md path: "Title 1 > Article 1" applies_to_entities: - payment_service_providers - member_states - consumers - payment_schemes topics: - payments - card_payments keywords: - license - payee - payer - transaction - card - POS - agent - scheme - network - issuer - commercial card - card-based payment transaction - domestic payment transaction - payment card - payment card scheme - four party payment card scheme - three party payment card scheme - payment instrument - card-based payment instrument - payment service provider contains: obligations: false prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 7 external_references: [] recitals: [] - article_number: 2 article_title: Definitions chunk_file: /ifr/chunks/ifr_t01_general_provisions.md path: "Title 1 > Article 2" applies_to_entities: - payment_service_providers - member_states - consumers - merchants - payment_schemes - payment_systems topics: - payments - card_payments - authorisation - payment_systems - funds_transfer keywords: - license - licence - consumer - merchant - payee - payer - transaction - transfer - direct debit - credit transfer - SEPA - electronic money - card - POS - third party - agent - cross-border - system - scheme - RTS contains: obligations: true prohibitions: false permissions: false definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: regulation reference: "260/2012" - instrument_type: directive reference: "2009/110/EC" - instrument_type: directive reference: "2007/64/EC" - instrument_type: directive reference: "2009/110/EC" recitals: [] - article_number: 3 article_title: Interchange fees for consumer debit card transactions chunk_file: /ifr/chunks/ifr_t02_interchange_fees.md path: "Title 2 > Article 3" applies_to_entities: - payment_service_providers - member_states - competent_authorities - consumers - payment_schemes topics: - payments - card_payments keywords: - consumer - transaction - card - POS - scheme - debit card transaction - interchange fee - payment card - payment card scheme - payment service provider - debit card contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 13 external_references: [] recitals: [] - article_number: 4 article_title: Interchange fees for consumer credit card transactions chunk_file: /ifr/chunks/ifr_t02_interchange_fees.md path: "Title 2 > Article 4" applies_to_entities: - payment_service_providers - member_states - consumers topics: - payments - card_payments keywords: - consumer - transaction - card - credit card transaction - interchange fee - payment service provider - credit card contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 5 article_title: Prohibition of circumvention chunk_file: /ifr/chunks/ifr_t02_interchange_fees.md path: "Title 2 > Article 5" applies_to_entities: - payment_schemes topics: - payments - card_payments keywords: - transaction - card - POS - scheme - acquirer - issuer - interchange fee - net compensation - payment card - payment card scheme - payment transaction contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 3 - target: Article 4 external_references: [] recitals: - 43 - article_number: 6 article_title: Licensing chunk_file: /ifr/chunks/ifr_t03_business_rules.md path: "Title 3 > Article 6" applies_to_entities: - payment_schemes topics: - payments - card_payments - authorisation keywords: - authorisation - licence - transaction - card - cross-border - scheme - card-based payment transaction - payment card - payment card scheme - payment transaction contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 7 article_title: Separation of payment card scheme and processing entities chunk_file: /ifr/chunks/ifr_t03_business_rules.md path: "Title 3 > Article 7" applies_to_entities: - member_states - competent_authorities - european_banking_authority - european_commission - payment_schemes topics: - payments - card_payments - authorisation keywords: - authorisation - transaction - SEPA - card - POS - clearing - system - scheme - ITS - EBA - card-based payment transaction - payment card - payment card scheme - payment transaction - processing contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: true implementing_powers: false rts_mandate: true its_mandate: false transitional: false internal_references: - target: Article 10 - target: Article 11 - target: Article 12 - target: Article 13 external_references: - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 8 article_title: Co-badging and choice of payment brand or payment application chunk_file: /ifr/chunks/ifr_t03_business_rules.md path: "Title 3 > Article 8" applies_to_entities: - payment_service_providers - consumers - technical_service_providers - payment_schemes topics: - payments - card_payments - authorisation keywords: - consumer - payee - payer - transaction - card - POS - ATM - security - scheme - ITS - reporting - acquirer - issuer - payment card - payment card scheme - payment instrument - card-based payment instrument - payment application - payment service provider - processing contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 9 article_title: Unblending chunk_file: /ifr/chunks/ifr_t03_business_rules.md path: "Title 3 > Article 9" applies_to_entities: - consumers - merchants topics: - payments - card_payments keywords: - merchant - payee - card - scheme - ITS - acquirer - interchange fee - merchant service charge - payment card contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 10 article_title: ‘Honour All Cards’ rule chunk_file: /ifr/chunks/ifr_t03_business_rules.md path: "Title 3 > Article 10" applies_to_entities: - payment_service_providers - consumers - payment_schemes topics: - payments - card_payments keywords: - consumer - payee - payer - card - POS - scheme - issuer - commercial card - interchange fee - payment card - payment card scheme - payment instrument - card-based payment instrument - payment service provider - debit card - credit card - prepaid card contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 11 article_title: Steering rules chunk_file: /ifr/chunks/ifr_t03_business_rules.md path: "Title 3 > Article 11" applies_to_entities: - consumers - merchants - payment_schemes topics: - payments - card_payments - authorisation keywords: - consumer - merchant - payee - payer - card - scheme - acquirer - interchange fee - merchant service charge - payment card - payment card scheme - payment instrument - card-based payment instrument contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2007/64/EC" recitals: [] - article_number: 12 article_title: Information to the payee on individual card-based payment transactions chunk_file: /ifr/chunks/ifr_t03_business_rules.md path: "Title 3 > Article 12" applies_to_entities: - payment_service_providers - consumers - merchants topics: - payments - card_payments keywords: - merchant - payee - transaction - SEPA - card - consent - acquirer - card-based payment transaction - interchange fee - merchant service charge - payment instrument - payment account - payment service provider - payment transaction contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 13 article_title: Competent authorities chunk_file: /ifr/chunks/ifr_t04_final_provisions.md path: "Title 4 > Article 13" applies_to_entities: - payment_service_providers - member_states - competent_authorities - european_commission topics: - payments - card_payments - final_provisions keywords: - payment service provider contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 14 article_title: Penalties chunk_file: /ifr/chunks/ifr_t04_final_provisions.md path: "Title 4 > Article 14" applies_to_entities: - member_states - european_commission topics: - payments - card_payments - final_provisions - enforcement keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 15 article_title: "Settlement, out of court complaints and redress procedures" chunk_file: /ifr/chunks/ifr_t04_final_provisions.md path: "Title 4 > Article 15" applies_to_entities: - payment_service_providers - member_states - european_commission - consumers topics: - payments - card_payments - final_provisions keywords: - payee - POS - settlement - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 16 article_title: Universal cards chunk_file: /ifr/chunks/ifr_t04_final_provisions.md path: "Title 4 > Article 16" applies_to_entities: - member_states - payment_schemes topics: - payments - card_payments - final_provisions keywords: - transaction - card - POS - scheme - debit card transaction - credit card transaction - domestic payment transaction - interchange fee - payment card - payment card scheme - payment transaction - debit card - credit card contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 external_references: [] recitals: [] - article_number: 17 article_title: Review clause chunk_file: /ifr/chunks/ifr_t04_final_provisions.md path: "Title 4 > Article 17" applies_to_entities: - member_states - european_commission - consumers - merchants - payment_schemes topics: - payments - card_payments - final_provisions keywords: - merchant - payee - payer - transaction - SEPA - card - POS - cross-border - scheme - ITS - debit card transaction - commercial card - interchange fee - payment card - payment card scheme - processing - co-badging - debit card contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 3 paragraph: "1" external_references: [] recitals: [] - article_number: 18 article_title: Entry into force chunk_file: /ifr/chunks/ifr_t04_final_provisions.md path: "Title 4 > Article 18" applies_to_entities: [] topics: - payments - card_payments - final_provisions keywords: - ITS contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: - target: Article 3 - target: Article 4 - target: Article 6 - target: Article 12 - target: Article 7 - target: Article 8 - target: Article 9 - target: Article 10 external_references: [] recitals: []