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Clearing
The YTH (Domestic Clearing and Settlement) System handles the clearing and settlement between two banks when a transaction is made at another bank's POS or ATM with a card from a different bank. Participants submit records to the YTH system, and...
HCE
Tokenization generates secure data from a credit card number, using specific algorithms, for use during authorization. In CNP transactions, it removes the risk of storing or compromising the original card number.
Online & Authorization
A reference guide to authorization response codes seen on POS and ATM transactions, with plain-language explanations of what each code means and what to do about it.
Security
The Visa PIN Security Program Guide describes the security and procedural requirements for acquirers and their agents that process PIN data or manage keys for PINs associated with Visa transactions.
Online & Authorization
HCE lets a mobile device's operating system emulate the cards we use daily (credit, debit, gift cards, etc.) to make contactless payments via NFC. In other words, our phones behave like the cards we use for payments.
Credit Card
CNP refers to a transaction made through a website or a company's own app payment page, where the card is not read by any device and its details are entered manually. It is short for Card Not Present.