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    Point of Sale (PoS)

    2. Digital Services
    3. Point of Sale (PoS)

    Point of Sale (PoS)

    A point of sale terminal (POS terminal) is an electronic device used to process card payments at retail locations. Its major participants are as under:

    • Acquiring Bank : The Bank which has installed the POS terminal at the merchant location.
    • Card Network : RuPay/Visa/MasterCard, etc. (Transaction routing and settling agency)
    • Customer : Card Holder
    • Issuing Bank : The Bank which has issued the Card to the customer.

    Type of Transactions:

    • ON-US Transaction : Where the issuing and acquiring bank are the same entity
    • OFF-US Transaction : Where the issuing and acquiring bank are different entities

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