Merchant Interchange Fee Umbrella Proceedings [2025] CAT 79 (24 November 2025)
The Tribunal held that the interchange fee arrangements were capable of restricting competition and that the collective proceedings were suitable for certification, allowing the case to proceed.
- Citation
- [2025] CAT 79
- Parties
- Applicant: Various Merchants; Respondent: Mastercard Incorporated; Respondent: Visa Europe Services LLC
- Jurisdiction
- United Kingdom
- Judgment Date
- 24 November 2025
- Procedural Posture
- Competition Appeal / Judgment
- Outcome
- Application for collective proceedings certification granted
- Legal Topics
- Interchange Fees, Anticompetitive Agreements, Collective Proceedings
Case Brief
Summary, issues, holding and outcome
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Parties
Various Merchants
Applicant
Mastercard Incorporated
Respondent
Visa Europe Services LLC
Respondent
Procedural Posture
Competition Appeal / Judgment
Legal Issues
- 1 Whether the interchange fee arrangements constituted a restriction of competition under Article 101 TFEU and Chapter I of the Competition Act 1998
- 2 Whether the collective proceedings are suitable for certification under the Competition Appeal Tribunal Rules
Ratio Decidendi
The Tribunal held that the interchange fee arrangements were capable of restricting competition and that the collective proceedings were suitable for certification, allowing the case to proceed.
Court Disposition
Application for collective proceedings certification granted
Orders
- Collective proceedings certified under section 47B of the Competition Act 1998
- Case to proceed to trial on the merits
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