{"id":23429,"date":"2023-12-09T13:31:17","date_gmt":"2023-12-09T21:31:17","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=23429"},"modified":"2023-12-09T13:31:55","modified_gmt":"2023-12-09T21:31:55","slug":"difference-between-a-payment-acquirer-iso-and-payfac","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/difference-between-a-payment-acquirer-iso-and-payfac\/","title":{"rendered":"The Difference Between a Payment Acquirer, ISO, and PayFac"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"23429\" class=\"elementor elementor-23429\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0bb2740 e-flex e-con-boxed e-con e-parent\" data-id=\"0bb2740\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91e2fdf elementor-widget elementor-widget-text-editor\" data-id=\"91e2fdf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Navigating the realm of payment processing unveils three key players: <a href=\"https:\/\/trc-parus.ru\/blog\/comparison-and-list-of-payment-acquirers-isos-and-aggregators\/\">acquirers, ISOs, and aggregators<\/a>. While all contribute to transactional fluidity, their distinct roles cater to diverse market needs. An in-depth comprehension of these differences empowers businesses to select the optimal solution for their unique requirements.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a78a8a4 elementor-widget elementor-widget-heading\" data-id=\"a78a8a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Acquirers: The Foundation of Payment Networks<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23b7b09 elementor-widget elementor-widget-text-editor\" data-id=\"23b7b09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>At the heart of payment processing, acquirers, often referred to as <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-an-acquiring-bank-in-payments\/\">acquiring banks<\/a>, play a foundational role. These financial institutions establish a direct link between merchants and major payment networks like Visa, Mastercard, and American Express. Not only do acquirers authorize and process credit and debit card transactions, but they also ensure the seamless transfer of funds between merchants and consumers.<\/p><p>The responsibilities of acquirers extend to managing intricate settlement processes, providing merchants with comprehensive reporting and reconciliation services. Their pivotal role is not just about facilitating transactions; it&#8217;s about upholding the trust and integrity of the payment ecosystem. Through their robust services, acquirers contribute significantly to the efficiency and security of financial transactions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e051f96 elementor-widget elementor-widget-heading\" data-id=\"e051f96\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ISOs: Bridging Acquirers and Merchants<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81fe811 elementor-widget elementor-widget-text-editor\" data-id=\"81fe811\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"https:\/\/trc-parus.ru\/blog\/what-is-an-iso-in-payments\/\">Independent Sales Organizations (ISOs)<\/a> or Merchant Service Providers (MSPs) operate as indispensable intermediaries, bridging the gap between acquirers and merchants. In addition to facilitating the establishment and management of payment systems, ISOs offer a unified solution for merchants&#8217; diverse payment needs. Their collaboration with acquirers allows them to extend services beyond transactional functions.<\/p><p>ISOs are not just facilitators; they are business partners. Many ISOs actively engage in providing valuable marketing and sales support, tailoring solutions to meet the unique requirements of different businesses. Beyond this, a significant number of ISOs contribute to enhancing the overall merchant experience by developing cutting-edge software designed to streamline payment workflows.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fda8443 elementor-widget elementor-widget-heading\" data-id=\"fda8443\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PayFacs: Streamlining the Payment Landscape<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99b1765 elementor-widget elementor-widget-text-editor\" data-id=\"99b1765\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"https:\/\/trc-parus.ru\/blog\/difference-between-merchant-account-and-aggregator-account\/\">Aggregators<\/a>, known as Payment Service Providers (PSPs) or Payment Facilitators (PayFacs), bring a layer of consolidation to the complex payment processing chain. Through strategic partnerships with multiple acquirers and ISOs, they empower merchants with a diverse array of payment options while simplifying the management of these services. Acting as a single point of contact, aggregators eliminate the need for merchants to navigate relationships with various providers.<\/p><p>In addition to streamlining the merchant experience, aggregators often go the extra mile by offering supplementary services. These may include robust fraud prevention mechanisms and advanced reporting tools. Utilizing dedicated software platforms, aggregators seamlessly integrate the services of different acquirers and ISOs, elevating the overall efficiency of the payment process.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5849fa elementor-widget elementor-widget-heading\" data-id=\"e5849fa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Flow of a Credit Card Transaction<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fd7201 elementor-widget elementor-widget-text-editor\" data-id=\"3fd7201\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>One way to look at the difference between acquirers, ISOs, and PayFacs is to look at the <a href=\"https:\/\/trc-parus.ru\/blog\/how-a-credit-card-transaction-works\/\">flow of a credit card transaction<\/a>. At the core of a credit card transaction is the acquirer. You can think of both the ISO and the PayFac as the <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-a-payment-gateway\/\">Payment Gateway<\/a> stage. Under the covers, the acquirer has the backend relationships.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2e1471 elementor-widget elementor-widget-image\" data-id=\"a2e1471\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"220\" src=\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/11\/online-payment-flow-1024x281.png\" class=\"attachment-large size-large wp-image-10760\" alt=\"Online Payment Flow\" srcset=\"https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/11\/online-payment-flow-1024x281.png 1024w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/11\/online-payment-flow-300x82.png 300w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/11\/online-payment-flow-768x210.png 768w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/11\/online-payment-flow-1536x421.png 1536w, https:\/\/trc-parus.ru\/wp-content\/uploads\/2022\/11\/online-payment-flow-2048x561.png 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9731ac2 elementor-widget elementor-widget-text-editor\" data-id=\"9731ac2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><b>Credit Card Holder:<\/b> The individual who owns the credit card initiates an online transaction through a merchant&#8217;s website, software, or mobile application.<\/li><li><b>Merchant:<\/b> The business, equipped with a payment form or shopping cart, engages the credit card holder in the transaction process. The online payment page of the business displays pertinent information, including payment options, pricing, taxes, and messages indicating approval or decline.<\/li><li><b>Payment Gateway or Credit Card Machine:<\/b> Functioning as either software or hardware, the payment gateway or credit card machine facilitates payments from the merchant&#8217;s store or website. Provided by a merchant services provider like TRC-Parus, this step involves validating the consumer&#8217;s credit card and transmitting transaction information to the Acquirer.<\/li><li><b>Acquirer: <\/b>The acquirer, akin to a &#8220;bank&#8221; for the merchant, assumes the risk by underwriting their credit. It processes the credit card payment and directs the transaction information to the credit card network, such as Visa, Mastercard, Discover, or American Express.<\/li><li><b>Credit Card Network: <\/b>The <a href=\"https:\/\/trc-parus.ru\/blog\/what-are-credit-card-networks\/\">credit card network<\/a> conducts verification on the credit card&#8217;s validity and communicates with the issuing bank, the institution that issued the credit card to the consumer.<\/li><li><b>Issuing Bank:<\/b> Responsible for providing credit to consumers, the issuing bank verifies the credit card&#8217;s functionality and ensures there are sufficient funds to approve the transaction.<\/li><\/ol><p>This overview captures the fundamental steps in a credit card transaction within the payment processing system, recognizing that there are additional intricacies behind the scenes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-971930d elementor-widget elementor-widget-heading\" data-id=\"971930d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Choosing the Right Type of Payment Processor<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb257ec elementor-widget elementor-widget-text-editor\" data-id=\"bb257ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">Acquirers almost exclusively use ISOs as their sales channel. If you have a merchant account from an acquirer, its likely that it was sold to you through an ISO. Acquirers are not typically known for their speed and customer service, therefore most merchants tend to be happier with ISOs or PayFacs.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">Understanding the nuances between ISOs and PayFacs is crucial for businesses aiming to choose the most suitable payment processing solution. ISO\/MSPs provide merchants with dedicated accounts, granting greater control over the payment process. This nuanced control, however, comes with the trade-off of potentially more intricate management.<\/span><\/p><p>On the other hand, PSPs\/PayFacs offer a more streamlined experience by centralizing the management of the merchant account. This simplified approach, while reducing some aspects of control, enhances ease of integration and overall convenience. When deciding between these options, businesses should weigh factors such as desired control levels, ease of integration, and access to diverse payment options.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d733cd elementor-widget elementor-widget-spacer\" data-id=\"9d733cd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-805d077 e-flex e-con-boxed e-con e-parent\" data-id=\"805d077\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3bd7a99 e-con-full e-flex e-con e-child\" data-id=\"3bd7a99\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5654ef elementor-widget elementor-widget-heading\" data-id=\"c5654ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get the best merchant account with <span style=\"color:#16D3F5\">TRC-Parus <span><\/span><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fc7e18 elementor-widget elementor-widget-text-editor\" data-id=\"3fc7e18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n<li>Lowest-cost processing in the industry<\/li>\n<li>Fund transfers in less than one day<\/li>\n<li>A full set of payment products to accept payment anytime, anywhere<\/li>\n<li>World-class customer service<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e905a22 e-con-full e-flex e-con e-child\" data-id=\"e905a22\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93056a8 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"93056a8\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg elementor-animation-grow\" href=\"https:\/\/trc-parus.ru\/get-started\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Navigating the realm of payment processing unveils three key players: acquirers, ISOs, and aggregators. While all contribute to transactional fluidity, their distinct roles cater to diverse market needs. An in-depth comprehension of these differences empowers businesses to select the optimal solution for their unique requirements. Acquirers: The Foundation of Payment Networks At the heart of [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":23459,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Difference Between a Payment Acquirer, ISO, and PayFac<\/title>\n<meta name=\"description\" content=\"This article covers the difference between the three types of credit card payment processors: acquirers, ISOs, and PayFacs (PSPs).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trc-parus.ru\/blog\/difference-between-a-payment-acquirer-iso-and-payfac\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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