The economic sector of the credit cards is in the center of the curiosity of several authorities of competition or regulation in various countries; it is not by chance. It is an industry of network based on markets double-faced cloth; two of its protagonists - Visa and MasterCard - are associations of banks, themselves the result of joint-ventures, which distribute the charts to the carriers and propose services with the tradesmen who accept these charts.
These characteristics imply that the sector could not be sufficiently competing and call the intervention of the authorities of competition or regulation. However, these same characteristics make difficult the determination of the assessment competing by reference to the usual standards of the right of the competition. The economic analysis necessary for the decisions of right of the competition or the policies of regulation ridge on these economic models which are presented as innovators.