The data report average merchant fees paid by merchants to acquiring institutions as a per cent of purchase value for the MasterCard, Visa, American Express and Diners Club card schemes and as cents per transaction for the eftpos card scheme. These fees are net of rebates and GST and include fees arising from general-purpose debit cards, credit cards and charge cards issued to individuals or businesses under the eftpos, Bankcard, MasterCard, Visa, American Express and Diners Club card schemes. The ‘MasterCard and Visa’ merchant fees include fees arising from the debit card transactions processed through the MasterCard or Visa networks. The Bankcard scheme closed in January 2007. The figures for ‘MasterCard and Visa’ for quarters up to and including the March quarter 2007 include Bankcard data. Acquirers report merchant fee income that arises from domestic merchants from card transactions initiated by domestic and foreign cardholders.