"A decrease in acquiring commissions will lead to a decrease in incentives for the use of non-cash payment methods, as issuing banks will be forced to start charging consumers for issuing and servicing cards, using payment applications, and access to a call center," the ADB letter to the government says, which leads the newspaper "Izvestia".

In addition, banks allow the reduction or cancellation of the loyalty program.

According to the letter, at the moment, bank expenses are subsidized by interbank commissions.

According to ABK, restrictions on acquiring commissions at the level of 1% for online purchases and medical services will lead to losses of about 10-15 billion rubles by banks.