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Acquiring

Acquiring covers accepting and processing card payments on the merchant side. The acquirer has a different role from the card issuer.

E-Commerce

What is acquiring?

Acquiring is the service that enables merchants to accept and process card payments. The acquirer is the institution on the merchant side and participates in financial settlement. The issuer is the institution that issued the payer’s card. A technical payment gateway performs a different function. A payment service provider can bundle several of these services in one offering.

A fictional table-linen shop plans to accept card payments through an integrated provider. Its operating plan identifies responsibility for the technical payment integration, acquiring and tracing payouts, even if the same contact covers several tasks. When a payout query arises, this makes clear which contractual partner can trace the associated payment. Successful card authorisation and a payout to the merchant account are different steps.

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