Card Issuer, Underwriting and Visa

Card Issuer

Underwriting

Visa

Can a Large Merchants Negotiate Lower Payment Processing Rates?

Clearly Payments

APRIL 24, 2025

How Payment Processing Fees Work When a customer pays with a credit or debit card, a few parties get a cut of the transaction. Heres a simple breakdown: Interchange fees: Interchange fees go to the customers bank (the card issuer). Assessment fees: These go to the card networks like Visa and Mastercard.

Large Merchants

Large Merchants Process Processors Volume

Episode Six and dash.fi launch net 60 charge card for brands and startups

The Payments Association

NOVEMBER 4, 2024

began to grow and secure larger accounts, we realized the need to bring our card management capabilities in-house and work with an enterprise processor that could support us as we continued to scale up,” said Zach Johnson, Founder and CEO of dash.fi. Investors include HSBC, Mastercard, SBI Investment Co Ltd, Anthos Capital and Avenir.

Card Issuer

Card Issuer Underwriting Processors Issuers

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Tom Groenfeldt

What Are Merchant Category Codes (MCCs)?

EBizCharge

JANUARY 16, 2025

MCCs are set by major credit card networks such as Visa, MasterCard, American Express, and Discover when merchants set up their credit card processing accounts to ensure transactions are accurately processed, and interchange fees are correctly applied. Who sets merchant category codes? MCCs help enforce these restrictions.

Credit Cards

Credit Cards Processors PCI DSS Fraud Detection

Fintech Rundown: A Rapid Review of Weekly News

Finovate

FEBRUARY 18, 2025

InComm Payments collaborates with Mastercard to offer Mastercard “Give Hope” gift cards in support of the American Red Cross. Card issuer and processor Paymentology forges strategic partnership with UAE-based fintech Mamo. Payments Account-to-account (A2A) payment infrastructure provider Token.io

FinTech

FinTech Embedded Finance Card Issuer Visa

Understanding Payment Processing Terminology Glossary for Merchants

PayHawk

APRIL 18, 2023

Address Verification Service (AVS) A fraud prevention tool that checks the billing address provided by the cardholder against the address on file with the card issuer. Annual Percentage Rate (APR) The annual interest rate charged by a credit card issuer on outstanding balances.

Process

Process Card Issuer Online and Mobile Banking Issuers

Amex Targets Startups With Bank-Linked Cards

PYMNTS

OCTOBER 18, 2019

. “It’s a new data source and a new lens on underwriting,” Marrs told the publication. ” American Express currently stands as the globe’s largest commercial card issuer by spend, reports noted, and the company is pushing for an even greater position in the B2B payments market. .”

Commercial Card

Commercial Card Push-to-Card Card Issuer B2B

How Much Do Credit Card Companies Charge Merchants?

Stax

JANUARY 10, 2024

The exact rate can vary based on several factors, including the type of card used (debit or credit), the card brand (Visa, MasterCard, etc.), The purpose of an interchange fee is to compensate the card issuer for the risk and operational costs associated with providing the credit or debit card service to the customer.

Credit Cards

Credit Cards Processors Debit Card Processing Costs

How 60+ Startups Are Disrupting Retail And Commercial Banking Around The World

CB Insights

OCTOBER 10, 2018

The core product is a digital-first app that tracks spending from a linked card issued by either MasterCard or Visa. Additional services range from checking accounts, savings accounts, direct and cash deposits, peer-to-peer transfers, and pre-paid or top-off cards that can be accessed digitally.

Online and Mobile Banking

Online and Mobile Banking Debit Card Credit Cards Non-Bank

Splitit Unveils FI-PayLater: Empowering Banks to Provide In-Checkout Installments for Existing Customers

Fintech Finance

APRIL 24, 2024

The world’s largest card-linked installment platform, powering thousands of merchants and millions of shoppers, Splitit unveils FI-PayLater. Splitit will unlock its extensive merchant network to banks and card issuers (FIs) that wish to offer installment plans to existing customers, directly at the merchant checkout.

BNPL

BNPL Issuers Payment APIs and Integration Card Issuer

American Express Rides Higher Spending to Q3 Revenue Win

PYMNTS

OCTOBER 18, 2019

American Express will have access to the business owner’s bank account data – which, according to American Express President of Global Commercial Services Anna Marrs, will enable the company to provide card products to startups that normally would not have a strong enough financial footing to obtain one.

Push-to-Card

Push-to-Card Commercial Card Card Issuer Credit Cards

What Is an ACH Payment Facilitator?

Stax

JANUARY 17, 2024

Unlike payments facilitated by card networks like Visa or Mastercard, ACH payments are managed by a body called the National Automated Clearing House Association (NACHA). After this, it usually takes about 3-5 days to get approvals post the underwriting process. This provides an additional layer of security.

ACH

ACH Facilitators ISVS Payment APIs and Integration

Everything You Need To Know About What Amazon Is Doing In Financial Services

CB Insights

DECEMBER 4, 2019

In December 2017, Amazon’s Alexa Fund participated in a $16M Series A to Greenlight Financial, an alternative debit card issuer aimed at young consumers. With the card, parents can manage spending limits and allocate funds for their children through a mobile app. This investment complements Amazon’s broader push to support SMEs.

Online and Mobile Banking

Online and Mobile Banking Push-to-Card Payment APIs and Integration Non-Bank

‘Zero of my profits will come from late fees’: Affirm’s Max Levchin on building trust in lending

Tearsheet

MAY 29, 2025

At some point in Affirms journey, the team recognized a limitation: they were entirely online, with no physical card product to enable offline or broader usage. Levchin recalled thinking: “If we had a piece of plastic with a scheme on it, like Visa or Mastercard (we picked Visa) [it would] feel a lot easier.”