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  • Merchant services

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    Merchant services is a broad category of financial services intended for use by businesses. In its most specific use, it usually refers to merchant processing services that enables a business to accept a transaction payment through a secure (encrypted) channel using the customer's credit card or debit card or NFC/RFID enabled device. More generally, the term may include: Credit and debit cards payment processing Check guarantee and check conversion services Automated Clearing House check drafting and payment services Gift card and loyalty programs Payment gateway Merchant cash advances Online transaction processing Point of sale (POS) systems Electronic benefits transfer programs, such as ration stamps (called food stamps in the U.S.).Merchant service providers typically require the merchant to have a merchant account with the provider, either directly or through a referral partner, such as banks or B2B service companies. All banks in the United Kingdom, except for Barclays/Barclaycard, offer merchant services by referring customers to a merchant service provider.

  • Credit card

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    An example of the front in a typical credit card: An example of the reverse side of a typical credit card: A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus the other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. In other words, credit cards combine payment services with extensions of credit. Complex fee structures in the credit card industry may limit customers' ability to comparison shop, helping to ensure that the industry is not price-competitive and helping to maximize industry profits. Due to concerns about this, many legislatures have regulated credit card fees. A credit card is different from a charge card, which requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged.

  • Absa Group Limited

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