Card Issuing
Card Issuing
Card issuing is creating and managing payment card accounts and credentials for cardholders.
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Card Issuing Terms
Card programs, virtual cards, spend controls, and issuing-processor terminology.
Educational information only. ShouldEye does not provide legal, banking, or individualized financial advice. Dispute rights, deadlines, and outcomes depend on your payment method, card network, issuer, processor, jurisdiction, and the facts of your case. Legal Disclaimers
14 published definitions in this topic.
Card Issuing
Card Program
A card program is a branded portfolio of cards issued under defined products, controls, and network licenses.
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Card Program Compliance
Card program compliance is adherence to network, sponsor-bank, and legal requirements for an issuing program.
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Card Program Manager
A card program manager operates day-to-day card program functions with a sponsoring issuer.
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Cardholder Agreement
A cardholder agreement is the contract between issuer and cardholder governing use, fees, and liability.
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Commercial Card Program
A commercial card program issues cards to employees or departments for business spend.
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Interchange Revenue
Interchange revenue is income issuers earn from interchange fees on card transactions.
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Issuing Processor
An issuing processor provides technical authorization, clearing, and card-management systems for issuers.
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Just-in-Time Funding
Just-in-time funding loads value onto a card or balance at the moment of authorization.
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Prefunding
Prefunding places money with the issuer/program before card spend is allowed.
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Spend Controls
Spend controls are rules that limit where, when, and how much a card can spend.
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Token Provisioning
Token provisioning creates a network or device payment token that substitutes for the PAN.
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Virtual Card Program
A virtual card program issues card numbers for online or single-use spend without a physical card.
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Wallet Provisioning
Wallet provisioning adds a card credential into a digital wallet such as Apple Pay or Google Pay.
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