The Payments System Board continues to delve into corners of the retail payments market in a manner amenable to the strategies of the Eftpos scheme.The latest issue to attract a threat of regulatory intervention are the long-standing commercial terms under which banks issue so-called "combo" cards.This is a common form of payment card issued by banks to credit card customers that operates in ATMs and offers card-holders a choice of account - a debit account or their credit account - at the point of sale. These cards invariably carry the logo of one of the credit card schemes, even though, in practice, they may be used mainly to access card-holders' own funds (which means making use of the Eftpos system).Eftpos Payments Australia Limited has identified some long-standing arrangements between banks and credit card schemes as being incompatible with its business goals.The nub of the present problem is EPAL's interest in developing a contactless card offering in conjunction with banks and the priority that the banks, in conjunction with MasterCard and Visa, give to processing those payments over the networks of those two schemes.Another irritant may be the fee, of one basis point, levied by MasterCard on Eftpos payments. Another is the sharing of information by banks with credit card schemes regarding payment volumes.In a media release on Friday, the PSB said shared these concerns - not that it named EPAL as the agitator.The PSB said it authorised a public consultation on the case for regulatory action "if an acceptable outcome cannot be reached in an expeditious manner."