An issuing bank, or issuer, provides the card to the cardholder and assesses a card payment's authorisation request. It connects through the card network with the acquiring side.[1] The issuer is not automatically the store's bank or processor.
After a decline, the merchant often cannot independently determine why the issuer refused approval. Offer a safe next step without requesting sensitive details. Keep roles separate in disputes too: provide merchant evidence through the agreed payment process rather than attempting to investigate the customer's bank balance.
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Compiled with AI assistance using public sources. General explanation, not individual legal or tax advice. Describing a concept does not mean Zoloo offers it as a feature.