Quelle est la différence entre l'émetteur et l'acquéreur dans les transactions par carte de débit?

Francis Limousy

Francis Limousy, Mobile Payments expert

Répondu il y a 106w

In the case of debit card transaction, we usually talk about the so-called “4-corners model” re presented on the example below (using Mastercard in the middle for the payment network)

Quelle est la différence entre l'émetteur et l'acquéreur dans les transactions par carte de débit?

The 4 corners are:

  • Les Emetteur; the bank issuing the card to the cardholder. In the case of debit specifically that’s the bank managing the checking account.
  • Les Titulaire de la carte; You, me, any individual
  • Les Commerçant; Starbucks, Tesco, Amazon …
  • Les Acquéreur; The merchant bank. Technically the bank managing the commercial account of the merchant.

The financial messages exchanged between all the possible issuers and acquirers is done usually through a payment network (Mastercard in the example above). Depending on local market specificity, you can have different payment network beyond Visa/Mastercard …

Some times it happens that the Acquirer and the Issuer are the same financial institution (e.g: Chase bank is the issuer, Chase Paymentech is the acquirer). In this case the messages are just routed internally and don’t require a payment network.

Please note that 4-corners model holds true for certain credit products as well, namely the one issued by issuing banks (Visa, Mastercard branded products). Products issued by American Express or Discover are following a different model

Bernard Delafontaine

Bernard Delafontaine, Economist, Belg. (Nl.), analytical mind, avid reader and writer, broad interests

Répondu il y a 106w · L'auteur dispose de réponses 1.5k et de vues de réponses 2.1m

Let’s keep it simple and assume you have 1 debit card.
The ISSUER of the debit card is usu. the bank where you have your current account.

Your debit card can be two things:
1. a debit card that is linked to your current account, functioning until the moment it has 0,00£/$/€ on it.
2. a debit card that is linked to your current account, which allows you to continue spending money that’s NOT on your account. This is the consequence of a decision taken by one of your bank agency’s employees who has the power to give you this option (reasons: your parents and family are trustworthy customers in that agency, he knows you have enough financial discipline not to run out of the bank and start a shopping spree).

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The ACQUIRER (acquiring bank, merchant bank) The contract with the acquirer enables merchants to process credit and debit card transactions. In the case of Credit Cards (and often Debit Cards with credit facilities too) you know the enabler is Visa, MasterCard,..
When you have a debit card and no credit card that just as well allows you to put your brain on hold and gives you the chance to suck you in a swamp of red numbers, the acquirer here is just an internal account especially made for all transactions between your bank’s debit card holders that can go sub-zero and… Visa, Master Card, … Nobody needs to touch anything to get the money where it should be.

En bref: Why do shops charge us to use a credit or debit card? The mystery of shop fees explained

Put your mouse somewhere over the blue text + rightclick;
Now rightclick on the white text on black background) that’ll appear and choose the first option (“open the shortcut in a new tabpage(?)tab(?)webpage”)

William Archibald

William Archibald, travaille chez Transaction360

Répondu il y a 104w · L'auteur dispose de réponses 278 et de vues de réponses 236.6k

Briefly, the Issuer is the bank of the debit-card holder’s direct-deposit account from which the funds are drawn to pay for those card-based transactions. The bank of the consumer who uses the debit card to “buy stuff”.

The Acquirer is the bank of the merchant from which that stuff is bought.

For pre-paid debit, it is the bank that holds the funds behind the brand (Visa/Mastercard) debit card. For example, a Walmart Money card used to be managed by Green Dot, but the bank behind that (look at the small print at the bottom of the back) was GE Consumer Retail Bank (I think), which has since been sold off, and I don’t remember the details. If you go to any gas station or 7–11 that sells Visa or Mastercard debit cards, you can look at the back of those cards, and for that card, that is the bank that holds The $X (-$5) that you pay at the counter to purchase the card. The retailer where you purchase the card gets the markup fee (say $100 to the bank and $5 to 7–11). The issuing bank is “hiding” in that use-case, but they are there: they have to be because of US banking regulations.

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In the bad old days when banks didn’t want to run transaction processing machinery, they would outsource this work to issuing processors and acquiring processors. When the merchant-bank didn’t want to go send a sales person into each and every one of the hundreds of thousands of the mom and pop stores in America, they split their fees with sales organizations call ISOs - who sometime ran value-add transaction processing themselves (loyalty, discount, data brokerage) and sat between the merchant and the acquiring processor - and they’d just send a list of transactions every day to the acquirer for reconciliation (and so that everyone had a record).

Kurt Walker

Kurt Walker, Fundbrella.com - Nous finançons chaque année des milliers de prêts basés sur le crédit

Répondu il y a 106w · L'auteur dispose de réponses 266 et de vues de réponses 253.5k

Pretty simple: Acquirer is the group that markets, finds and onboards the client or business seeking credit. Issuer is the group that actually underwrites, extends the credit and backs the card/credit that is extended.

Himanshu Sharma

Himanshu Sharma, I know a bit about payments

Répondu il y a 106w · L'auteur dispose de réponses 60 et de vues de réponses 170.3k

The Acquirer is the bank of the merchant where you are paying.

The Issuer is the bank of the customer.

So the Issuer issues the debit card transaction which is acquired by the acquirer (merchant).

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