sec_8_3_3__para__5

The processing of payments and handling cash involves staff costs that are difficult to quantify as they are often included in overall administrative costs. The costs deriving from fraud and risk management vary significantly between sectors and traders but are generally considered to be falling thanks to the introduction of new electronic payment technologies. Since these costs are inherent to the respective business activity (even where incurred to ensure regulatory compliance), they should also remain excluded from the notion of ‘cost in respect of the use of a given means of payment’ under Article 19 and should be regarded instead as part of the general cost of running a business.

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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.