utstederbanken
Utstederbanken, in the context of payment card systems, is the financial institution that issues payment cards to cardholders. The issuer underwrites the card account, determines credit limits and pricing, manages rewards and account terms, and provides customer service and dispute handling. The issuing bank may supply credit cards, debit cards, or prepaid cards, and it often participates in co-branded programs with retailers or networks.
In a typical card payment, a merchant’s acquiring bank requests authorization through a card network to the
The issuer bears the credit risk associated with card usage and is responsible for regulatory compliance, including
Issuers work in cooperation with card networks (e.g., Visa, Mastercard) and payment processors. The relationship between