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This process, known as credit card payment processing, involves four key players: The merchant accepts the payment online or in person, in exchange for goods or services The acquirer facilitates card payments for the merchant, acting as an intermediary between the merchant and the card schemes The cardholder uses their credit card to make a purchase The issuer provides the cardholder with their credit card and authorizes transactions on their behalf This system is known as the four-party model, and forms the foundation of most credit card payment systems