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See more from this Chronicle John Wotton, Apr 02, 2008 The Decision in MasterCard displays a fundamental divergence between the Commission’s and MasterCard’s approaches to the analysis of the competitive effects of open payment card schemes. MasterCard’s position is that MasterCard, together with its acquirers and issuers, provide" /> <link rel="canonical" href="https://www.pymnts.com/cpi-posts/the-european-commissions-decision-in-imastercardi-issues-facing-the-payment-card-industry-for-the-future/" /> <meta property="og:locale" content="en_US" /> <meta property="og:type" content="article" /> <meta property="og:title" content="The European Commission’s Decision in MasterCard: Issues Facing the Payment Card Industry for the Future | PYMNTS.com" /> <meta property="og:description" content="This article is part of a Chronicle. See more from this Chronicle John Wotton, Apr 02, 2008 The Decision in MasterCard displays a fundamental divergence between the Commission’s and MasterCard’s approaches to the analysis of the competitive effects of open payment card schemes. 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See more from this Chronicle John Wotton, Apr 02, 2008 The Decision in MasterCard displays a fundamental divergence between the Commission’s and MasterCard’s… </p> </div> </div> </div> </div>   <nav class="navbar navbar-expand-lg bg-black navbar-dark d-block px-2" style="z-index: 2000;"> <div class="container-fluid">  <ul class="navbar-nav d-flex flex-row ms-auto">  <li class="nav-item me-3 me-lg-0"> <a class="nav-link" href="https://www.facebook.com/sharer.php?u=https://www.pymnts.com/cpi-posts/the-european-commissions-decision-in-imastercardi-issues-facing-the-payment-card-industry-for-the-future/" rel="nofollow" target="_blank"> <i class="bi bi-facebook text-white"></i> </a> </li> <li class="nav-item me-3 me-lg-0"> <a class="nav-link" href="https://twitter.com/intent/tweet?text=The+European+Commission%26%238217%3Bs+Decision+in+MasterCard%3A+Issues+Facing+the+Payment+Card+Industry+for+the+Future&url=https://www.pymnts.com/cpi-posts/the-european-commissions-decision-in-imastercardi-issues-facing-the-payment-card-industry-for-the-future/" rel="nofollow" target="_blank"> <i class="bi bi-twitter-x text-white"></i> </a> </li> <li class="nav-item me-3 me-lg-0"> <a class="nav-link" href="https://www.linkedin.com/sharing/share-offsite/?url=https://www.pymnts.com/cpi-posts/the-european-commissions-decision-in-imastercardi-issues-facing-the-payment-card-industry-for-the-future/" rel="nofollow" target="_blank"> <i class="bi bi-linkedin text-white"></i> </a> </li> <li class="nav-item me-3 me-lg-0"> <a class="nav-link" href="mailto:?subject=The+European+Commission%26%238217%3Bs+Decision+in+MasterCard%3A+Issues+Facing+the+Payment+Card+Industry+for+the+Future&body=I+found+this+article+interesting+and+want+to+share+it+with+you.+Check+it+out:+https://www.pymnts.com/cpi-posts/the-european-commissions-decision-in-imastercardi-issues-facing-the-payment-card-industry-for-the-future/" rel="nofollow" target="_blank"> <i class="bi bi-envelope text-white"></i> </a> </li> <li class="nav-item me-3 me-lg-0"> <a class="nav-link" href="javascript:window.print()" rel="nofollow" target="_blank"> <i class="bi bi-printer-fill text-white"></i> </a> </li> </ul> </div> </div> </nav>  </header>   <main class="my-5"> <div class="container"> <div class="row " id="articlePost"> <div class="col-12 mx-auto mb-4" id="insertArticle"> <div id="pymnts-content1482934" class="single lh-article mt-1 lnk-article"> <style> /* HTML: <div class="loader"></div> */ .cpi-spinner-loader { width: 60px; aspect-ratio: 2; --_g: no-repeat radial-gradient(circle closest-side,#000 90%,#0000); background: var(--_g) 0% 50%, var(--_g) 50% 50%, var(--_g) 100% 50%; background-size: calc(100%/3) 50%; animation: l3 1s infinite linear; } @keyframes l3 { 20%{background-position:0% 0%, 50% 50%,100% 50%} 40%{background-position:0% 100%, 50% 0%,100% 50%} 60%{background-position:0% 50%, 50% 100%,100% 0%} 80%{background-position:0% 50%, 50% 50%,100% 100%} } </style> <script> const isPaywall = false; const cpiPostId = 1582825; console.log("cpiPostId", cpiPostId); function handlePaywall () { // If token is in url then store in local storage const searchParams = new URLSearchParams(window.location.search); if (searchParams.has('token')) { console.log("STORING TOKEN") const token = searchParams.get('token') localStorage.removeItem('cpi_auth_token'); localStorage.setItem('cpi_auth_token', token.toString()) } const cpiAuthToken = localStorage.getItem('cpi_auth_token'); if (cpiAuthToken) { const validationEl = document.querySelector('.validation-notice-container'); let origHtml = validationEl.innerHTML; validationEl.innerHTML = "<div class='cpi-spinner-loader'></div>"; const request = { url: window.location.href, method: 'post', data: { cpiAuthToken } } console.log('request', request); axios(request) .then(response => { if (response.data) { const insertPoint = document.getElementById('cpi_chronicle_content'); if (insertPoint) insertPoint.innerHTML = response.data; else { validationEl.innerHTML = origHtml; } } }) .catch(err => { console.error(err) validationEl.innerHTML = origHtml; }) } // If token in local storage, post it to the current url // If any text is returned in the post, replace the article with it. //alert('handlePaywall'); } window.addEventListener('DOMContentLoaded', handlePaywall); </script> <div id="cpi_chronicle_content"> <script>cpiAuthSteps.push('checking if login required');</script><p>This article is part of a Chronicle. <a href="https://www.competitionpolicyinternational.com/apr-081">See more from this Chronicle</a></p> <h3>John Wotton, Apr 02, 2008</h3> <p>The Decision in <i>MasterCard</i> displays a fundamental divergence between the Commission’s and MasterCard’s approaches to the analysis of the competitive effects of open payment card schemes. MasterCard’s position is that MasterCard, together with its acquirers and issuers, provide payment card services simultaneously to cardholders and merchants. 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