Issuing Bank

The issuer is the cardholder's bank. Its responsibilities include:

• Completing KYC and deciding eligibility for debit, credit or prepaid cards; setting credit limits for credit cards.
• Producing and delivering the card and PIN (including services such as Green PIN).
• Authorising each transaction by checking the balance or limit, card status and fraud rules.
• Debiting the cardholder's account or billing the credit card, and settling with the card network.
• Handling complaints, raising chargebacks for disputed transactions and blocking lost or stolen cards.

For credit cards, the issuer bears the credit risk if the cardholder does not repay. It earns interchange fees from purchases, annual fees and, for credit cards, interest.

The term 'issuing bank' is also used in trade finance for the bank that issues a letter of credit on behalf of an importer; the context makes the meaning clear.

जारीकर्ता कार्डधारकको बैंक हो। यसको जिम्मेवारी: KYC र योग्यता निर्धारण, क्रेडिट कार्डको सीमा तोक्ने, कार्ड र PIN (ग्रिन पिनसहित) उपलब्ध गराउने, मौज्दात/सीमा, कार्ड स्थिति र ठगी नियम जाँची कारोबार स्वीकृत गर्ने, खाता डेबिट वा बिल गर्ने, गुनासो सुन्ने, चार्जब्याक गर्ने र हराएको कार्ड ब्लक गर्ने।

क्रेडिट कार्डमा ग्राहकले नतिरे कर्जा जोखिम जारीकर्ताले बेहोर्छ। इन्टरचेन्ज, वार्षिक शुल्क र ब्याजबाट आम्दानी हुन्छ। व्यापार वित्तमा आयातकर्ताका तर्फबाट प्रतीतपत्र जारी गर्ने बैंकलाई पनि जारीकर्ता बैंक भनिन्छ।