AmCham Moldova, as a business association that includes members from banks and retail sector, believes that the restrictions proposed by the National Bank are "simple and can lead to a negative impact on card payments." However, AmCham notes that now, despite the absence of restrictions on fees, the bank cards market in Moldova is growing.

On the other hand, AmCham explained that in the EU the interchange comissions are limited, and in some non-EU countries with a developed infrastructure, the restriction comes hand in hand with other incentive measures. These may include reimbursing businesses for the cost of installing POS terminals, encouraging citizens to use cards, policies against cash settlements and other measures.

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