5 secrets pour tirer parti des services d'une banque acquéreuse


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5 Secrets for Leveraging the Services of an Acquiring Bank


The acquiring bank forms the central backbone of any transaction process. This unsung hero helps in the smooth processing of payments between the customer, the merchant and the issuing bank. We delve into the intricacies of the acquiring bank’s pivotal role, its distinction from the issuing bank, and its implications in handling transaction disputes. The article also sheds light on the merchant account services and the indispensable interface of the interbank network.

Understanding the Acquiring Bank

Role of the Acquiring Bank

The acquiring bank is entrusted with the task of processing card transactions and authorizing payment transfer from the cardholder’s bank account to the merchant’s account. It acts as a liaison between the merchant and the card networks.

Relationship with Merchant

Beyond being just a facilitator, the acquiring bank has a continuous business relationship with the merchant. The bank provides the necessary infrastructure and merchant account services, collaborates with fintech companies if needed, and oversees the seamless conduct of electronic transactions.

Traitement des paiements

In terms of payment processing, the acquiring bank plays a pivotal role. It communicates with the issuing bank, requests payment authorization, and finally settles the transaction by depositing the approved amount in the merchant’s account.

Acquiring Bank vs Issuing Bank

Function of the Issuing Bank

In contrast to the acquiring bank, the issuing bank is responsible for providing the customer, i.e., the cardholder, with the payment card. Moreover, it checks the cardholder’s account balance during a transaction and authorizes or denies the transaction based on sufficient fund availability.

Key Differences

While the acquiring bank works with the merchants, the issuing bank is aligned with customers. The acquiring bank facilitates transaction authorization and settlement, while the issuing bank approves or rejects transactions. The crucial difference lies in the role they perform in the transaction cycle and who they serve.


The acquiring bank and issuing bank work hand-in-hand to facilitate successful transactions. When a transaction is processed, the acquiring bank communicates with the issuing bank to verify the availability of funds and receive transaction validation.

Transaction Disputes

Causes of Transaction Disputes

The most common causes of transaction disputes arise due to unauthorized charges, discrepancies in transaction amounts orbilling errors. In such scenarios, the customer can raise a dispute which needs to be resolved.

Role of Acquiring Bank in Disputes

The acquiring bank has the onerous responsibility of handling transaction disputes. It communicates with the merchant and the issuing bank, initiates the chargeback process if necessary, and ultimately aids in the resolution of the dispute.

Merchant Account Services

Role in Transaction Processing

Merchant account services play a pivotal role in transaction processing. These services allow businesses to accept a variety of payment methods from customers, facilitating either online or in-store purchases. At the heart of this process is the acquiring bank, which handles the transfer of funds from the customer’s bank (issuing bank) to the merchant’s bank account.

Types of Merchant Account Services

Various types of merchant account services cater to different business needs. These include merchant accounts for processing credit and debit card payments, payment gateway services for integrating online card payments, and point-of-sale (POS) systems for physical stores. The acquiring bank often directly offers these services or partners with a third-party provider to cater for a more extensive range of payment methods.

Selection Criteria

Selecting the right merchant account services depends on several factors, including the business model, sales volume, and the demographics of the customer base. The acquiring bank plays a key advisory role in guiding merchants to choose a service that best fits their needs. They consider the transaction costs, system compatibility, fraud protection, and the quality of customer service while recommending a merchant account service.

Interbank Network

Functioning of the Interbank Network

Le interbank network facilitates the exchange of information and funds between different banks. The acquiring bank and the issuing bank interact over this network during the transaction process to verify funds availability and facilitate fund transfer. This network is crucial for ensuring smooth and secure transactions.

Role of Acquiring Bank in Interbank Network

The acquiring bank plays a crucial role in the interbank network. It initiates the verification process for each transaction by sending a request to the issuing bank through the interbank network. Upon receiving authorization, the acquiring bank then proceeds to process the transaction, leading to the eventual transfer of funds.

Benefits of an Efficient Interbank Network

Un système efficace interbank network benefits both businesses and customers. It ensures quick and seamless transactions, enhancing customer experience. Meanwhile, businesses can realize sales quickly, leading to improved cash flow. Moreover, it fosters trust in the payment system, encouraging more customers to use electronic payments.


Importance of Acquiring Bank

The acquiring bank plays an indispensable role in transaction processes. By facilitating secure, seamless payments, they help businesses to operate effectively and consumers to navigate their purchases with ease. Consequently, they are a crucial facet of the commerce ecosystem.

Future of Transactions

With the digitalization of payments and growing e-commerce trends, the role of the acquiring bank and interbank network will likely continue to grow. They will be instrumental in shaping the future of transactions, ensuring speed, security, and trust in the payment process.


This article highlighted the crucial role of the acquiring bank in the transaction process, the process of dispute resolution, the services offered by merchant account services, and the functioning of the interbank network. It is evident that the acquiring bank plays a central role in the overall commerce ecosystem, facilitating transactions between businesses and consumers.