TYMPay

Behind every card transaction is a layered ecosystem; each player with distinct responsibilities and revenue streams.

In today’s evolving payment landscape, this knowledge isn’t just technical; it’s strategic.

Here’s a concise breakdown for decision-makers:

→ 𝐈𝐬𝐬𝐮𝐞𝐫𝐬: Financial institutions that issue cards, manage credit, and authorize transactions. Examples: UBS, ING, Societe Generale
→ 𝐀𝐜𝐪𝐮𝐢𝐫𝐞𝐫𝐬: Provide merchant accounts, process payments, and manage settlement and risk. Examples: Adyen, Chase, Worldpay
→ 𝐂𝐚𝐫𝐝 𝐍𝐞𝐭𝐰𝐨𝐫𝐤𝐬: Connect issuers and acquirers, set interchange frameworks, and enforce acceptance standards. Examples: Mastercard, Visa, American Express
→ 𝐆𝐚𝐭𝐞𝐰𝐚𝐲𝐬: Enable secure data flow, fraud prevention, and transaction routing. Examples: Cybersource, Mastercard, Amadeus
→ 𝐀𝐠𝐠𝐫𝐞𝐠𝐚𝐭𝐨𝐫𝐬: Simplify payments for SMEs by consolidating services under a single merchant ID. Examples: BillDesk, PayU, Stripe

Each layer generates revenue differently; from interchange and FX fees to data services and platform charges.