sec_8_3_3__para__2
COMMISSION NOTICE Guidance on the interpretation and application of Directive 2011/83/EU of the European Parliament and of the Council on consumer rights · European Union
The costs to the trader that can legitimately be taken into account to justify fees to consumers are the MSC and the transaction or overhead fees paid to intermediaries for some or all of the merchant services usually provided by acquirer banks. In these cases the intermediary typically deals with the acquirer bank and acts as a point of contact for retailers, charging a mark-up on the acquirer bank’s fees for the relevant services.
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Source: EUR-Lex (Cellar) · retrieved 2026-09-25 · Text as adopted (Official Journal); later amendments are not incorporated in this text.