Merchant Account Cardholder Explained

Here is the abstract illustration of a cardholder using a credit card.

What is a Cardholder?

This term refers to a person who owns and uses a credit card or debit card. The cardholder is authorized to use the card for transactions as per the agreement with the card-issuing bank. This could include buying products online, paying for services, withdrawing cash, etc.

Merchant vs. Cardholder

When a cardholder makes a purchase from a merchant, the transaction details are sent from the merchant’s point-of-sale system to the merchant account. From there, the transaction is processed further to ensure that the payment is correctly transferred. In a typical card transaction:

The cardholder provides their card information to pay for goods or services.
The merchant uses their merchant account to process and receive the payment.

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