When you look at how the Commission and the Minister use their powers under this Act, you see they must do it for the purpose stated in section 3. They have to think about some key principles when deciding whether to use their powers. You need to consider that merchants and consumers should not pay too much for payment services and that the payment system should be transparent. When the Commission and the Minister make decisions, they must consider these principles if they think they are relevant. They want to make sure payment services are fair for everyone. The Commission and the Minister have to balance these principles when making decisions about the retail payment system. You can find more information about how this works by looking at the details of the Act. The Commission and the Minister have to follow these principles to ensure the payment system is fair. They must work together to make sure the system is transparent and fair for all users.