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To encourage merchants to accept credit and debit cards, #SBP has abolished the floor on Merchant Discount Rate (MDR). Now merchants can negotiate a rate, less than the current 1.5%, with banks. For Details: https://www.sbp.org.pk/psd/2023/CL1.htm To enable banks to offer reduced MDR to merchants, #SBP has also reduced the interchange reimbursement fee (IRF) fee on credit cards (0.7%) & debit cards (0.2%). MDR is the rate of fee charged by the bank from merchants while IRF is that part of the MD
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