1Stanley J. Sienkiewicz & Marilyn Bochicchio, The Future of E-commerce Payments, Payment Card Center, FED - Federal Reserve Bank of Philadelphia, 2002, p.2.
2Nilson Report: Largest Payment Card Issuers and Merchant Acquirers (2014).
3Visa Inc., Chargeback Management Guidelines for Visa Merchants, p.6.
4MasterCard Worldwide, Benefits of Open Payment Systems and the Role of Interchange (U.S. Version), p.2.
