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Card overview



Table of contents


In this article, you will find a global presentation/description of the card payment with some key definitions. 

Card payment is popular; the instant authorization or rejection makes it less risky for the merchant. In other words, the customer authorizes the merchant to withdraw money from them by card. This involves:

  • the transmission of the card number
  • a 3D Secure check
  • the tokenization of the card details
  • the money is transferred after going through the Card network (VISA, MasterCard) 

The ecosystem

Issuer/Issuing bank

The financial institution that issues credit cards to consumers on behalf of the card network (Visa, Mastercard). The issuer acts as the "middle-man" for the consumer and the card network by contracting with the cardholders. 


SlimPay plays the role of the merchant's bank by opening a Payment account in the name of the merchant on which the transactions will be collected. 

Card Alias

SlimPay replaces PAN data with a surrogate value known as an unique “card token” or “card alias”. 
It is an alphanumeric value generated by SlimPay.



Go check our card article on our blog


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