{
  "url": "https://openlegislation.uk/eu-regulation-2015-751/article-11",
  "json_url": "https://openlegislation.uk/eu-regulation-2015-751/article-11.json",
  "legislation": "eur/2015/751",
  "legislation_title": "Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (Text with EEA relevance)",
  "legislation_url": "https://openlegislation.uk/eu-regulation-2015-751",
  "path": "article/11",
  "kind": "article",
  "number": "11",
  "heading": "Steering rules",
  "text": "1. Any rule in licensing agreements, in scheme rules applied by payment card schemes and in agreements entered into between card acquirers and payees preventing payees from steering consumers to the use of any payment instrument preferred by the payee shall be prohibited. This prohibition shall also cover any rule prohibiting payees from treating card-based payment instruments of a given payment card scheme more or less favourably than others.\n2. Any rule in licensing agreements, in scheme rules applied by payment card schemes and in agreements entered into between card acquirers and payees preventing payees from informing payers about interchange fees and merchant service charges shall be prohibited.\n3. Paragraphs 1 and 2 of this Article are without prejudice to the rules on charges, reductions or other steering mechanisms set out in the Electronic Money Regulations 2011 and the Payment Services Regulations 2017.",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Words in Art. 11(3) substituted (31.12.2020) by The Interchange Fee (Amendment) (EU Exit) Regulations 2019 (revoked) 2019 (S.I. 2019/284), regs. 1(2), 10 (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eur/2015/751/article/11",
    "retrieved_at": "2026-11-01T14:46:42.487483+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}