Tarifas de acesso à rede de transações eletrônicas com cartões de crédito e débito no Chile

DOI:  https://doi.org/10.12804/revistas.urosario.edu.co/economia/a.14998

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Publicado: ago 27, 2026
Edição: v. 29 n. 01 (2026)
Seção Artigos


Palavras-chave: tarifas de acesso integração vertical regulação mercado de dois lados

Conteúdo do artigo principal

Autores

Gonzalo Escobar Elexpuru
Universidad Andrés Bello
  Iván Valdés De la Fuente
University of Tarapacá

Resumo

Esta pesquisa estima as tarifas de acesso em redes de transações com cartões de pagamento sob uma estrutura de firma verticalmente integrada. A partir de um modelo teórico baseado em Willig (1979) e Baumol (1983), e complementado por Armstrong et al. (1996), os resultados mostram que, ao aumentar a diferenciação horizontal entre as empresas, a tarifa diminui, independentemente de as empresas serem simétricas ou diferenciadas, ou de os preços serem regulados ou não. O modelo sugere uma tarifa teórica média de US$ 0,01 por transação, notavelmente superior aos US$ 0,022 por minuto de acesso na telefonia móvel, embora não existam tarifas comparáveis nessa indústria.

Como Citar
Escobar Elexpuru, G., & Valdés De la Fuente, I. (2026). Tarifas de acesso à rede de transações eletrônicas com cartões de crédito e débito no Chile. Revista De Economía Del Rosario, 29(01), 1–25. https://doi.org/10.12804/revistas.urosario.edu.co/economia/a.14998
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