There are regulations. Both Visa and Mastercard were happy with those and made quite a lot of money from their business in the EU. They absorbed and merged with local alternatives and competitors. It’s a bit rich to complain after the game has been going on for a while that the rules are as they are: they’ve always been that way and if they were not happy, they could just have ignored the European markets. Now, if your point is that you’re being shafted, then congratulations: realising is the first step towards solving. Now, vote for a government that will actually regulate the sector in the people’s favour, not the big corps. We cannot help you for that.