TinkerMessage 1 of 7: the request, customer to larkspur.held €0.00 · charged €0.00 · Larkspur kept €0.00
Chapter 1 of 7
Four parties and a network
Larkspur sells online, and almost every customer pays by card. Ana is buying a hinge pack. Her click starts a chain of messages.
This chapter: Who does Ana’s card payment pass through, and who says yes?
About this chapter
You will learn
- The four parties in a card payment, and the network between
- Who approves a payment
- How the answer comes back
Words you’ll meet
- Acquirer
- Larkspur’s bank for cards: it takes card payments for the shop and passes them on.
- Card network
- The scheme whose name is on the card: it routes messages between acquirers and issuers.
- Issuer
- The customer’s bank, which gave them the card and says yes or no to each payment.
Step 1 of 5
Ana types her card details at Larkspur’s checkout. The till sends them on.
Move to message 2.