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Posts
The Difference Between Issuing and Acquiring
In the payments ecosystem, issuing and acquiring are two sides of the same transaction. One serves the cardholder, the other serves the merchant. Issuing refers to providing consumers or businesses with payment cards. The issuer (usually a bank or regulated partner) manages card creation, authorisation, risk, and cardholder accounts. When you tap your card to pay, it’s your issuer that verifies the transaction and releases the funds.
Acquiring, on the other hand, focuses on enabling merchants to accept those card payments. The acquirer (or acquiring bank) connects the merchant to the card networks, processes incoming payments, and ensures the funds from successful transactions are deposited into the merchant’s account.
Monavate sits on the issuing side, powering card programmes for fintechs, corporates, and innovators who want to create their own payment products. As a licensed issuer and BIN sponsor, Monavate provides the compliance, infrastructure, and connectivity that link these businesses directly to card networks like Visa and Mastercard. In doing so, it removes the operational and regulatory barriers that typically slow market entry, allowing companies to focus on building better payment experiences while Monavate manages the issuing backbone behind the scenes.