Topic One: Introduction to Payment Cards
• Concept of payment cards and their types.
• Developments in payment cards.
• Key stakeholders in the payment card ecosystem (issuer, operator, merchant, user).
• Licenses granted by global payment companies.

Topic Two: Regulatory Framework for Payment Cards in Jordan
• The role of the Central Bank of Jordan in regulating payment cards.
• Supervisory framework for payment systems and cards.
• The relationship between Central Bank instructions and pricing policies.
• Regulatory obligations imposed on card issuers.

Topic Three: Pricing Structures for Payment Cards
• Types of fees (issuance fees, renewal fees, international transfer fees, cash withdrawal fees).
• Factors influencing card pricing.
• Common pricing models locally and internationally.
• Comparison between fixed pricing and usage-based pricing.
• Cash withdrawal fees: regulatory controls and the disparity between local and international practices.

Topic Four: The Role of Compliance in Payment Cards
• Anti-money laundering and counter-terrorism financing requirements.
• Know Your Customer (KYC) requirements and digital verification.
• Information security and protection of cardholder data.
• The role of compliance in monitoring customer complaints.

Topic Five: Risks and Challenges Related to Cards
• Risks of non-compliance with Central Bank instructions.
• Risks of violating consumer protection laws.
• Examples of non-compliant pricing practices.
• Corrective actions and supervisory remedies.

Topic Six: Consumer Protection in Payment Cards
• Principles of financial consumer protection in Jordan.
• Prior and clear disclosure of fees.
• Prohibition of misleading or unjustified fees.
• Customers’ rights to dispute and refunds