sector operators will also have to factor in developments under the Consumer Rights Directive. Article 19 of the Directive states: Member States shall prohibit traders from charging consumers, in respect of the use of a given means of payment, fees that exceed the cost borne by the trader for the use of such means. Assuming the Directive is approved by the Council of Ministers when they vote on it this month (July 2011), this means that payment card surcharges will be limited to no more than passing on the actual cost to the trader: no element of markup will be permitted. It is currently proposed that the Directive would require transposition into local member states ' laws by the end of 2013. In the meantime, expect yet more small print disclosure in advertisements, along the lines ' Credit card surcharge applies ' , and widespread adoption of ' Payment method charges ' sections within traders ' websites.
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