Card Issuer

Any association member financial institution, bank, credit union, or company that issues, or causes to be issued, plastic cards to cardholders.

Card Reader

A device capable of reading the encoding on plastic cards. See Magnetic Stripe Reader.


An individual to whom a card is issued, or who is authorized to use an issued card.


Cardstream is a Global Payment Gateway Solution. Cardstream is integrated into most leading shopping cart technologies. This means that integrations require little to no technical work to be carried out by a Merchant. Cardstream’s policy is to support integration into any technology required by any given Merchant at no extra charge.

Cash Back

Cash back returns to you a percentage of the total amount spent on your credit card over a specific period of time, usually monthly or quarterly. This is particularly useful if you normally pay your credit card bills in full each month, as it means you get an effective discount on the products bought with your credit card.


A digital identifier linking an entity and a trusted third party able to confirm the entitys identity.

Certification Authority (CA)

A trusted entity issuing certificates confirming the identity of, or given facts associated with, the certificates subject.


A transaction returned through interchange by an issuer to an acquirer. A transaction may be returned because of it was non-compliant with the association rules and regulations or because it was disputed by a cardholder.

Chargeback Period

The number of days from the processing date or endorsement date transaction during which the issuer may initiate a chargeback.


With roots back to its establishment in Glasgow in 1838, Clydesdale Bank has a proud history of innovation and support for Scottish industry and communities. Clydesdale is a Cardstream supported merchant.

Co-Branded Card

A co-branded credit card is sponsored by both the issuing bank and a retail organisation such as a department store or an airline. Cardholders may get benefits such as discounts or free merchandise from the sponsoring merchant based on account usage and terms.

Commerce Service Provider (CSP)

Supplies the system and services to establish the back-office infrastructure for businesses. Major aspects include: the processing of secure transactions, the developing and managing of customer relationships, the collecting of payment, and the delivering of products or services over the Web. A CSP may provide the following services: buyer authentication, order taking, details of what is for sale in an electronic offer, validation, payment processing (via traditional credit card payment processors), and generation of electronic receipts. Fulfillment may be made of electronic goods or physical goods.

Commercial Cards

A general name for cards typically issued for business use and may include Corporate Cards, Purchase Cards, Business Cards, Travel and Entertainment Cards.


A small amount of information stored on a client computer by a Web site that is sent back to the site each time the user visits it. The use of cookies to maintain persistent, client-side state information significantly extends the capabilities of Web-based client/server applications.

Credit Card Number

Unique number assigned to credit card.

Credit Card Processor

A company that performs authorisation and settlement of credit card payments, usually handling several types of credit and payment cards (such as Visa, MasterCard, and American Express). If merchants wish to sell their products to cardholders, they retain the services of one or more processors who handle the credit cards that the merchant wishes to accept. When a merchant retains the services of a credit card processor, it is issued a merchant ID.

Credit History

A partial profile of your financial life given within a particular time frame (usually measured in years). It shows the extent to which you pay your bills on time and how much you may owe particular parties. Credit card issuers use this information to decide whether to provide customers with credit cards. If you have been turned down in the past due to a bad credit history you can sometimes still obtain a credit card

Credit Limit

The maximum amount of credit you may recieve on your card. Under some circumstances, your card issuer may increase or decrease your credit line.


A certificate revocation list is a database of certificates no longer valid within a given security infrastructure.

Cryptographic Key

A mathematical term or other parameter used to define how a given algorithm will transform data into ciphertext.