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Amex airline card can face cap if fees are equivalent to interchange, EU court rules

By Lewis Crofts ( April 16, 2026, 09:49 GMT | Insight) -- American Express payments with its Air France-KLM co-branded card partner can be subject to a regulated cap if they have the same “object or effect” as the “interchange” fees common to the card schemes of Visa and Mastercard, the EU's top court has said. The ruling implies authorities must look beyond labels and examine the economic substance of Amex fees to decide if they might be circumventing regulated caps.American Express payments with its Air France-KLM co-branded card partner can be subject to a regulated cap if they have the same “object or effect” as the “interchange” fees common to the card schemes of Visa and Mastercard, the EU's top court has said....

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