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Heres a breakdown of the key players in the credit card payment system: The cardholder is the customer who initiates the transaction using their credit card The merchant is the business that sells goods or services and accepts credit card transactions as payment The issuing bank provides the cardholder with their credit card, verifies the transaction, and transfers funds to the acquirer The acquirer supports merchants by facilitating payments and transferring funds to their accounts Card networks are intermediaries like Visa and Mastercard that handle transaction data securely and ensure compliance The payment processor facilitates the smooth flow of transaction data between all parties involved The payment gateway is a secure software tool that safeguards sensitive cardholder information by encrypting it and then transmitting to the relevant parties for authorization Credit card processing fees Each credit card transaction moves through a network of institutions, and each step comes with a cost

Tobacco Reporting Regulations, SOR/2000273