1. Arango , C. V. Taylor “Merchants' Costs of Accepting Means of Payment: Is Cash the Least Costly?” Bank of Canada Review 2008
2. Board of Governors of the Federal Reserve System (BOG) “2009 Interchange Revenue, Covered Issuer Cost, and Covered Issuer and Merchant Fraud Loss Related to Debit Card Transactions.” 2011 www.federalreserve.gov/paymentsystems/files/debitfees_costs.pdf
3. Board of Governors of the Federal Reserve System (BOG) “Average Debit Card Interchange Fee by Payment Card Network.” http://www.federalreserve.gov/paymentsystems/regii-average-interchange-fee.htm
4. Briglevics , T. O. Shy “Why Dont Most Merchants Use Price Discounts to Steer Consumer Payment Choice?” 2012
5. DeYoung , R. R. Phillips “Payday Loan Pricing.” 2009