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Routing Explained: Credit vs. Debit Networks

| Electronic Payments Coalition

Electronic payment routing—whether through debit or credit networks—is a complex process. The merchant, merchant processor, network, and issue processor all play integral roles in authorizing and approving electronic payment transactions. The below explainer on routing provides an in-depth look behind-the-scenes of what occurs when a consumer uses their credit or debit card to make a purchase.

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