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Abstract: Determinants of Merchant Participation in Credit Card Payment Schemes
Abstract
Determinants of Merchant Participation in Credit Card Payment Schemes
The Review of Network Economics
Vol. 6, Issue 4 - December 2007, pp 474 - 494
Author
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Yiing Jia Loke
School of Social Sciences, Universiti Sains Malaysia
E-mail: [email protected] |
Abstract
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This paper aims to empirically establish the determinants of merchant participation in credit card payment schemes. It is found that a merchant's personal background, type of business and total value of sales are significant in determining a merchant's acceptance of cards in payment transactions. Further, it is found that customers' usage of credit cards and other merchants' acceptance of credit cards in payments have a significant influence on a merchant's decision. Findings also indicate that non-pecuniary strategic factors are stronger drivers and barriers to a merchant's participation in credit cards payments services compared to monetary related factors.
Keywords: credit card acceptance; merchants and credit card
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