{ "attribution": { "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-549-23", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-549-23)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-10-25", "fingerprint": "ewai:se:c43fdb", "proof": "sha256:57f69d6b4d954135db9bc4da3dfb826e542c4f981d24456505742c62e27582b8", "jurisdiction": "se", "lang": "en", "publisher": "NovaCopilot by ExploreWorld Legal", "terms": "https://legal.exploreworldai.com/om" }, "brand_source": "Source: NovaCopilot", "object_type": "decision", "object_id": "decision:eu:c-549-23", "schema_version": "1", "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/decision", "url": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-549-23", "judgment": { "id": "eu:c-549-23", "text": "https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-549-23" }, "siblings": { "risk": "https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-549-23", "relation": "https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-549-23", "change": "https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-549-23", "agent": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-549-23", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-549-23", "status": "https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-549-23", "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-549-23", "edge": "https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-549-23", "element": "https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-549-23", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-549-23", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-549-23", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-549-23" }, "source": "NovaCopilot", "precedent_graph": "https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-549-23", "item": { "judgment": "eu:c-549-23", "issue": "Reference for a preliminary ruling – Payment services in the internal market – Regulation (EU) 2015/751 – Article 2(10) – Interchange fees for card-based payment transactions – Article 2(11) – Net compensation – Article 4 – Cap on the amount of those fees – Article 5 – Prohibition of circumvention – Remuneration received by a co-branding partner from a three party payment card scheme – Application of that cap to that remuneration – Deduction of the value of the services provided by the co-branding partner.", "decisions": [ { "decision_id": "decision:eu:c-549-23#1", "precedent_id": "precedent:eu:c-549-23#1", "paragraph_id": "para_180", "outcome": "permits", "then": "1. Article 2(11) of Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions must be interpreted as meaning that the total net amount of payments, rebates or incentives received by a co-branding partner from a three party payment card scheme may be regarded as being ‘net compensation’, within the meaning of that provision, even, within the meaning of Article 2(2) of that regulation", "conditions": [ { "text": "if that co-branding partner is not itself an ‘issuer’", "elements": [] }, { "text": "provided that the remuneration forming part of that amount has an object or effect equivalent to an interchange fee.", "elements": [] } ], "exceptions": [], "elements": [], "open": [ "Inga rekvisit ur lexikonet kunde knytas till regeln." ] }, { "decision_id": "decision:eu:c-549-23#2", "precedent_id": "precedent:eu:c-549-23#2", "paragraph_id": "para_181", "outcome": "interpretation", "then": "2. Articles 4 and 5 of Regulation 2015/751, read in conjunction with Article 2(10) and (11) thereof, must be interpreted as meaning that net compensation does come within the scope of the prohibition on circumvention laid down in Article 5 of that regulation.", "conditions": [], "exceptions": [], "elements": [], "open": [ "Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser.", "Inga rekvisit ur lexikonet kunde knytas till regeln." ] }, { "decision_id": "decision:eu:c-549-23#3", "precedent_id": "precedent:eu:c-549-23#3", "paragraph_id": "para_182", "outcome": "interpretation", "then": "3. Article 5 of Regulation 2015/751 must be interpreted as meaning that the condition that the agreed remuneration, including net compensation, must have an ‘equivalent object or effect of the interchange fee’ requires it to be determined whether remuneration agreed between a co-branding partner that is not an issuer and a three party payment card scheme in relation to payment transactions or activities related to those cards, has an incentive object or, alternatively, an incentive effect that is equivalent to such an interchange fee, which involves taking into account the object or effect of ", "conditions": [], "exceptions": [], "elements": [ "element:ccpa:consumer" ], "open": [ "Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser." ] }, { "decision_id": "decision:eu:c-549-23#4", "precedent_id": "precedent:eu:c-549-23#4", "paragraph_id": "para_183", "outcome": "permits", "then": "4. Article 2(11) of Regulation 2015/751 must be interpreted as meaning that a ‘merchant service charge’ paid by a co-branding partner to a three party payment card scheme may not be deducted from payments, rebates or incentives received by the co-branding partner from that payment card scheme in relation to card-based payment transactions or related activities.", "conditions": [], "exceptions": [], "elements": [], "open": [ "Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser.", "Inga rekvisit ur lexikonet kunde knytas till regeln." ] }, { "decision_id": "decision:eu:c-549-23#5", "precedent_id": "precedent:eu:c-549-23#5", "paragraph_id": "para_184", "outcome": "holding", "then": "5. Article 2(11) of Regulation 2015/751 must be interpreted as allowing, for the purposes of calculating net compensation, deduction from the total amount received by the co-branding partner from the three party payment card scheme not only of the monetary remuneration paid by that partner, but also of the non-monetary benefits which that partner pays to that payment card scheme, which must be valued taking into account their genuine financial value.", "conditions": [], "exceptions": [], "elements": [], "open": [ "Inga uttryckliga villkor i rättsregeln; regeln gäller i den situation domen avser.", "Inga rekvisit ur lexikonet kunde knytas till regeln." ] } ], "text_sha256": "cefa47af17febac82c4bd4be12e8da6793ddf9a608ca4e7f66eb21accf7fd6db", "method": "Rättsregeln delas i utfall, villkor (where, if, when, provided that) och undantag (unless, except where) med fasta regler.", "graph": { "graph_version": "1", "path": "topic → obligation → decision → sanction → compliance", "relations": [], "open": [ { "decision_id": "decision:eu:c-549-23#1", "missing": [ "obligation", "sanction", "compliance" ], "reason": "Ingen säker registerkoppling via gemensamt rekvisit eller domens rättsakts-ID." }, { "decision_id": "decision:eu:c-549-23#2", "missing": [ "obligation", "sanction", "compliance" ], "reason": "Ingen säker registerkoppling via gemensamt rekvisit eller domens rättsakts-ID." }, { "decision_id": "decision:eu:c-549-23#3", "missing": [ "obligation", "sanction", "compliance" ], "reason": "Ingen säker registerkoppling via gemensamt rekvisit eller domens rättsakts-ID." }, { "decision_id": "decision:eu:c-549-23#4", "missing": [ "obligation", "sanction", "compliance" ], "reason": "Ingen säker registerkoppling via gemensamt rekvisit eller domens rättsakts-ID." }, { "decision_id": "decision:eu:c-549-23#5", "missing": [ "obligation", "sanction", "compliance" ], "reason": "Ingen säker registerkoppling via gemensamt rekvisit eller domens rättsakts-ID." }, { "decision_id": "all", "missing": [ "topic" ], "reason": "Ingen kuraterad ämneskoppling för beslutets regelverk." } ], "method": "Deterministisk koppling via permanenta rekvisit-ID:n, registrets rättsakts-ID:n och en kuraterad rättsakt-till-ämne-tabell. 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