{"id":16344,"date":"2024-02-20T09:17:02","date_gmt":"2024-02-20T09:17:02","guid":{"rendered":"https:\/\/wooshpay.com\/?p=16344"},"modified":"2024-02-21T02:51:13","modified_gmt":"2024-02-21T02:51:13","slug":"acquiring-bank-vs-issuing-bank-which-plays-a-bigger-role-in-payment-processing","status":"publish","type":"post","link":"https:\/\/wooshpay.com\/ja\/resources\/%e7%9f%a5%e8%ad%98\/online-payments\/2024\/02\/20\/acquiring-bank-vs-issuing-bank-which-plays-a-bigger-role-in-payment-processing\/","title":{"rendered":"\u8cb7\u53ce\u9280\u884c\u3068\u767a\u884c\u9280\u884c\uff1a\u6c7a\u6e08\u51e6\u7406\u306b\u5927\u304d\u306a\u5f79\u5272\u3092\u679c\u305f\u3059\u306e\u306f\u3069\u3061\u3089\u304b\uff1f"},"content":{"rendered":"<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2024\/02\/2024-02-20-08-44-18.png?x-oss-process=style\/webp\" 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class=\"wp-block-heading\" id=\"h-what-is-an-acquiring-bank\">\u8cb7\u53ce\u9280\u884c\u3068\u306f\u4f55\u304b\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-definition-and-role\">\u5b9a\u7fa9\u3068\u5f79\u5272<\/h3>\n\n\n\n<p>\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u306f\u3001\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u30fb\u30d0\u30f3\u30af\u3068\u3082\u547c\u3070\u308c\u3001\u9280\u884c\u696d\u754c\u306b\u304a\u3051\u308b\u91cd\u8981\u306a\u4ef2\u4ecb\u8005\u3067\u3042\u308b\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Commerce\">\u5546\u696d<\/a>.\u3053\u306e\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u52a0\u76df\u5e97\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u6c7a\u6e08\u51e6\u7406\u3092\u80a9\u4ee3\u308f\u308a\u3057\u3001\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u3068\u52a0\u76df\u5e97\u3068\u306e\u6a4b\u6e21\u3057\u5f79\u3092\u62c5\u3063\u3066\u3044\u308b\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Network_interface_controller\">\u30ab\u30fc\u30c9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af<\/a>s.\u305d\u308c\u306f\u3001\u53d6\u5f15\u30d7\u30ed\u30bb\u30b9\u3092\u4fc3\u9032\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u4ea4\u63db\u306e\u305f\u3081\u306e\u5186\u6ed1\u306a\u7d4c\u8def\u3092\u63d0\u4f9b\u3057\u3001\u529b\u3092\u4e0e\u3048\u308b\u5f79\u5272\u3067\u3082\u3042\u308b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" 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class=\"wp-block-heading\" id=\"h-importance-in-payment-ecosystem\">\u6c7a\u6e08\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306b\u304a\u3051\u308b\u91cd\u8981\u6027<\/h3>\n\n\n\n<p>\u8cb7\u53ce\u9280\u884c\u306f\u3001\u5358\u306b\u91cd\u8981\u306a\u5b58\u5728\u3068\u3044\u3046\u3060\u3051\u3067\u306a\u304f\u3001\u9280\u884c\u3068\u3044\u3046\u6a5f\u68b0\u306e\u91cd\u8981\u306a\u6b6f\u8eca\u306a\u306e\u3067\u3042\u308b\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/E-<a href=\">\u5546\u696d<\/a>payment_system\"&gt;\u96fb\u5b50\u6c7a\u6e08\u3002\u30ab\u30fc\u30c9\u6c7a\u6e08\u3092\u4fc3\u9032\u3059\u308b\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u306e\u5f79\u5272\u306f\u3001\u52a0\u76df\u5e97\u306e\u5229\u7528\u7bc4\u56f2\u3092\u62e1\u5927\u3057\u3001\u30ab\u30fc\u30c9\u6c7a\u6e08\u306e\u5229\u4fbf\u6027\u3068\u5b89\u5168\u6027\u3092\u597d\u3080\u6d88\u8cbb\u8005\u306e\u3088\u308a\u5e83\u7bc4\u306a\u5e02\u5834\u306b\u53c2\u5165\u3059\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u8981\u3059\u308b\u306b\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u306f\u6c7a\u6e08\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306e\u7e01\u306e\u4e0b\u306e\u529b\u6301\u3061\u3067\u3042\u308a\u3001\u53d6\u5f15\u304c\u52b9\u7387\u7684\u304b\u3064\u52b9\u679c\u7684\u306b\u51e6\u7406\u3055\u308c\u308b\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u7d4c\u6e08\u306b\u529b\u3092\u4e0e\u3048\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<h2 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href=\"https:\/\/en.wikipedia.org\/wiki\/Mastercard\">\u30de\u30b9\u30bf\u30fc\u30ab\u30fc\u30c9<\/a>.\u767a\u884c\u9280\u884c\u306f\u3001\u30ab\u30fc\u30c9\u4f1a\u54e1\u304c\u8cfc\u5165\u3057\u305f\u5546\u54c1\u306e\u4ee3\u91d1\u3092\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u306b\u6c7a\u6e08\u3059\u308b\u8cac\u4efb\u3092\u8ca0\u3046\u3002\u8981\u3059\u308b\u306b\u3001\u767a\u884c\u9280\u884c\u306f\u6d88\u8cbb\u8005\u3068\u5e83\u7bc4\u306a\u91d1\u878d\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3068\u306e\u6a4b\u6e21\u3057\u3092\u3057\u3001\u53d6\u5f15\u304c\u5358\u306b\u51e6\u7406\u3055\u308c\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u4fe1\u983c\u3068\u91d1\u878d\u4fdd\u8a3c\u306b\u3088\u3063\u3066\u88cf\u4ed8\u3051\u3089\u308c\u308b\u3053\u3068\u3092\u4fdd\u8a3c\u3059\u308b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" 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class=\"wp-block-heading\" id=\"h-security-and-fraud-prevention\">\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u4e0d\u6b63\u9632\u6b62<\/h3>\n\n\n\n<p>\u4eca\u65e5\u306e\u30c7\u30b8\u30bf\u30eb\u6642\u4ee3\u306b\u306f\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u8a50\u6b3a\u9632\u6b62\u304c\u6700\u91cd\u8981\u3067\u3042\u308a\u3001\u767a\u884c\u9280\u884c\u306f\u3053\u306e\u6226\u3044\u306e\u6700\u524d\u7dda\u306b\u3044\u308b\u3002\u9ad8\u5ea6\u306a\u30b7\u30b9\u30c6\u30e0\u3092\u6d3b\u7528\u3057\u3001\u7591\u308f\u3057\u3044\u53d6\u5f15\u306e\u5146\u5019\u3092\u76e3\u8996\u3059\u308b\u3053\u308c\u3089\u306e\u9280\u884c\u306f\u3001\u6d88\u8cbb\u8005\u306e\u91d1\u878d\u306e\u5065\u5168\u6027\u3092\u5b88\u308b\u4e0a\u3067\u91cd\u8981\u306a\u5f79\u5272\u3092\u679c\u305f\u3057\u3066\u3044\u307e\u3059\u3002\u771f\u646f\u306a\u76e3\u8996\u3068\u6d17\u7df4\u3055\u308c\u305f\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u6d3b\u7528\u3092\u901a\u3058\u3066\u3001\u767a\u884c\u9280\u884c\u306f\u4e0d\u6b63\u884c\u70ba\u306e\u9632\u6b62\u306b\u7cbe\u529b\u7684\u306b\u53d6\u308a\u7d44\u307f\u3001\u6d88\u8cbb\u8005\u3068\u5e83\u7bc4\u306a\u91d1\u878d\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u53cc\u65b9\u306e\u5229\u76ca\u3092\u5b88\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-payment-processing-flow-with-acquiring-bank\">\u53d6\u5f15\u9280\u884c\u3068\u306e\u652f\u6255\u3044\u51e6\u7406\u306e\u6d41\u308c<\/h2>\n\n\n\n<p>\u91d1\u878d\u53d6\u5f15\u306e\u8907\u96d1\u306a\u30c0\u30f3\u30b9\u306b\u304a\u3044\u3066\u3001\u6c7a\u6e08\u51e6\u7406\u306e\u6d41\u308c\u306f\u3001\u52a0\u76df\u5e97\u3001\u6d88\u8cbb\u8005\u3001\u91d1\u878d\u6a5f\u95a2\u3092\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u3064\u306a\u3050\u9b54\u6cd5\u304c\u8d77\u3053\u308b\u5834\u6240\u3067\u3059\u3002\u3053\u306e\u6bb5\u968e\u306f\u3001\u53d6\u5f15\u304c\u52b9\u7387\u7684\u306b\u51e6\u7406\u3055\u308c\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u5b89\u5168\u306b\u51e6\u7406\u3055\u308c\u3001\u95a2\u4fc2\u8005\u5168\u54e1\u306e\u5229\u76ca\u304c\u5b88\u3089\u308c\u308b\u3088\u3046\u306b\u3059\u308b\u4e0a\u3067\u975e\u5e38\u306b\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transaction-initiation\">\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306e\u958b\u59cb<\/h3>\n\n\n\n<p>\u30ab\u30fc\u30c9\u6240\u6709\u8005\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u3066\u8cb7\u3044\u7269\u3092\u3057\u3088\u3046\u3068\u6c7a\u3081\u305f\u3068\u304d\u304b\u3089\u3001\u305d\u306e\u65c5\u306f\u59cb\u307e\u308b\u3002\u3053\u306e\u6642\u70b9\u3067\u3001\u52a0\u76df\u5e97\u306ePOS\uff08\u8ca9\u58f2\u6642\u70b9\u60c5\u5831\u7ba1\u7406\uff09\u30b7\u30b9\u30c6\u30e0\u304c\u767b\u5834\u3057\u3001\u30ab\u30fc\u30c9\u306e\u8a73\u7d30\u60c5\u5831\u3092\u53d6\u5f97\u3057\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30d0\u30f3\u30af\u306b\u9001\u4fe1\u3059\u308b\u3002\u3053\u306e\u30b9\u30c6\u30c3\u30d7\u306f\u3001\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306e\u5b8c\u4e86\u3092\u53ef\u80fd\u306b\u3059\u308b\u4e00\u9023\u306e\u8907\u96d1\u306a\u30a4\u30f3\u30bf\u30e9\u30af\u30b7\u30e7\u30f3\u306e\u6700\u521d\u306e\u30b9\u30c6\u30c3\u30d7\u3067\u3042\u308b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-authorization-and-authentication\">\u8a8d\u53ef\u3068\u8a8d\u8a3c<\/h3>\n\n\n\n<p>\u53d6\u5f15\u660e\u7d30\u3092\u53d7\u3051\u53d6\u308b\u3068\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u306f\u30e1\u30c7\u30a3\u30a8\u30fc\u30bf\u30fc\u3068\u3057\u3066\u3001\u3053\u306e\u60c5\u5831\u3092\u6b21\u306e\u9280\u884c\u306b\u8ee2\u9001\u3059\u308b\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Network_interface_controller\">\u30ab\u30fc\u30c9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af<\/a> (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Visa\">\u30d3\u30b6<\/a>, <a href=\"https:\/\/en.wikipedia.org\/wiki\/Mastercard\">\u30de\u30b9\u30bf\u30fc\u30ab\u30fc\u30c9<\/a>\u306a\u3069\uff09\u3002\u305d\u306e <a href=\"https:\/\/en.wikipedia.org\/wiki\/Network_interface_controller\">\u30ab\u30fc\u30c9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af<\/a> 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class=\"wp-block-heading\" id=\"h-settlement-and-funding\">\u548c\u89e3\u3068\u8cc7\u91d1\u8abf\u9054<\/h3>\n\n\n\n<p>\u767a\u884c\u9280\u884c\u304c\u30b4\u30fc\u30b5\u30a4\u30f3\u3092\u51fa\u3059\u3068\u3001\u53d6\u5f15\u306f\u6c7a\u6e08\u6bb5\u968e\u306b\u79fb\u308b\u3002\u3053\u308c\u306f\u3001\u767a\u884c\u9280\u884c\u3068\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u9280\u884c\u306e\u9593\u3067\u5b9f\u969b\u306b\u8cc7\u91d1\u304c\u3084\u308a\u53d6\u308a\u3055\u308c\u308b\u3053\u3068\u3092\u610f\u5473\u3059\u308b\u3002\u53d7\u3051\u53d6\u3063\u305f\u5074\u306e\u52a0\u76df\u5e97\u306f\u3001\u30a2\u30af\u30ef\u30a4\u30e4\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u304c\u8acb\u6c42\u3057\u305f\u624b\u6570\u6599\u3092\u5dee\u3057\u5f15\u304b\u308c\u305f\u91d1\u984d\u3067\u3001\u8cfc\u5165\u4ee3\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u3053\u306e\u6700\u7d42\u30b9\u30c6\u30c3\u30d7\u3067\u53d6\u5f15\u30d7\u30ed\u30bb\u30b9\u306f\u5b8c\u4e86\u3057\u3001\u52a0\u76df\u5e97\u306f\u63d0\u4f9b\u3055\u308c\u305f\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u4ee3\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u306b\u306a\u308b\u3002<\/p>\n\n\n\n<p>\u6c7a\u6e08\u51e6\u7406\u306e\u6d41\u308c\u306f\u3001\u73fe\u4ee3\u306e\u91d1\u878d\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304c\u3044\u304b\u306b\u9ad8\u5ea6\u3067\u52b9\u7387\u7684\u3067\u3042\u308b\u304b\u3092\u7269\u8a9e\u308b\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u306e\u80cc\u5f8c\u306b\u3042\u308b\u5f79\u5272\u3068\u30e1\u30ab\u30cb\u30ba\u30e0\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u3067\u3001\u52a0\u76df\u5e97\u3082\u6d88\u8cbb\u8005\u3082\u540c\u69d8\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3068\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u53d6\u5f15\u304c\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u6027\u8cea\u3092\u6301\u3061\u3001\u79c1\u305f\u3061\u306e\u65e5\u5e38\u751f\u6d3b\u3092\u652f\u3048\u3066\u3044\u308b\u3053\u3068\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Commerce\">\u5546\u696d<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fees-and-charges-in-credit-card-transactions\">\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u53d6\u5f15\u306b\u304a\u3051\u308b\u624b\u6570\u6599<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-interchange-fees\">\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u6599\u91d1<\/h3>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u53d6\u5f15\u306e\u4e2d\u5fc3\u3001 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Interchange_fee\">\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u30d5\u30a3\u30fc<\/a> \u306f\u6975\u3081\u3066\u91cd\u8981\u306a\u5f79\u5272\u3092\u679c\u305f\u3059\u3002\u3053\u308c\u3089\u306e\u624b\u6570\u6599\u306f\u57fa\u672c\u7684\u306b\u3001\u52a0\u76df\u5e97\u306e\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u304c\u30ab\u30fc\u30c9\u6240\u6709\u8005\u306e\u767a\u884c\u9280\u884c\u306b\u652f\u6255\u3046\u624b\u6570\u6599\u3067\u3042\u308b\u3002\u3053\u306e\u4ea4\u63db\u306b\u3088\u308a\u3001\u53d6\u5f15\u51e6\u7406\u3001\u30ea\u30b9\u30af\u30c6\u30a4\u30af\u3001\u304a\u3088\u3073\u51e6\u7406\u306b\u304b\u304b\u308b\u30b3\u30b9\u30c8\u304c\u767a\u884c\u9280\u884c\u306b\u88dc\u511f\u3055\u308c\u307e\u3059\u3002\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u30d5\u30a3\u30fc\u306f\u5909\u52d5\u5236\u3067\u3001\u53d6\u5f15\u306e\u7a2e\u985e\u3001\u52a0\u76df\u5e97\u306e\u696d\u7a2e\u3001\u4f7f\u7528\u3055\u308c\u308b\u30ab\u30fc\u30c9\u306b\u3088\u3063\u3066\u5f71\u97ff\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u591a\u3044\u3002\u4e00\u898b\u3001\u53d6\u5f15\u91d1\u984d\u306e\u3054\u304f\u4e00\u90e8\u306b\u898b\u3048\u308b\u304c\u3001\u3053\u308c\u3089\u306e\u624b\u6570\u6599\u304c\u7a4d\u307f\u91cd\u306a\u308b\u3068\u304b\u306a\u308a\u306e\u91d1\u984d\u306b\u306a\u308a\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u3001\u767a\u884c\u9280\u884c\u3001\u52a0\u76df\u5e97\u306e\u9593\u306e\u8ca1\u52d9\u529b\u5b66\u3092\u6d6e\u304d\u5f6b\u308a\u306b\u3057\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-merchant-service-charges\">\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u30b5\u30fc\u30d3\u30b9\u6599\u91d1<\/h3>\n\n\n\n<p>\u52a0\u76df\u5e97\u5074\u306f\u3001\u652f\u6255\u3044\u3092\u51e6\u7406\u3059\u308b\u7279\u6a29\u306e\u305f\u3081\u306b\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30d0\u30f3\u30af\u306b\u3055\u307e\u3056\u307e\u306a\u624b\u6570\u6599\u3092\u652f\u6255\u3046\u5fc5\u8981\u304c\u3042\u308b\u3002\u3053\u308c\u3089\u306e\u624b\u6570\u6599\u306b\u306f\u3001\u53d6\u5f15\u624b\u6570\u6599\u3001\u6708\u3005\u306e\u53e3\u5ea7\u624b\u6570\u6599\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u6a5f\u5668\u30ec\u30f3\u30bf\u30eb\u6599\u306a\u3069\u304c\u542b\u307e\u308c\u308b\u3002\u52a0\u76df\u5e97\u30b5\u30fc\u30d3\u30b9\u624b\u6570\u6599\u306f\u3001\u6c7a\u6e08\u51e6\u7406\u3001\u627f\u8a8d\u3001\u53d6\u5f15\u6c7a\u6e08\u306a\u3069\u3001\u63d0\u4f9b\u3055\u308c\u308b\u30b5\u30fc\u30d3\u30b9\u306b\u5408\u308f\u305b\u3066\u8a2d\u5b9a\u3055\u308c\u308b\u3002\u3053\u308c\u3089\u306e\u624b\u6570\u6599\u306f\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30d0\u30f3\u30af\u304c\u6c7a\u6e08\u51e6\u7406\u306b\u304b\u304b\u308b\u904b\u55b6\u30b3\u30b9\u30c8\u3092\u30ab\u30d0\u30fc\u3057\u3001\u52a0\u76df\u5e97\u306b\u5fc5\u8981\u306a\u30cf\u30fc\u30c9\u30a6\u30a7\u30a2\u304a\u3088\u3073\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u305f\u3081\u306b\u4e0d\u53ef\u6b20\u306a\u3082\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-impact-on-merchants-and-consumers\">\u52a0\u76df\u5e97\u3068\u6d88\u8cbb\u8005\u3078\u306e\u5f71\u97ff<\/h3>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u53d6\u5f15\u306b\u304a\u3051\u308b\u624b\u6570\u6599\u306e\u751f\u614b\u7cfb\u306f\u3001\u52a0\u76df\u5e97\u306e\u53ce\u76ca\u6027\u3068\u6d88\u8cbb\u8005\u7269\u4fa1\u306e\u4e21\u65b9\u306b\u5927\u304d\u304f\u5f71\u97ff\u3059\u308b\u3002\u3053\u308c\u3089\u306e\u624b\u6570\u6599\u306f\u3001\u30ab\u30fc\u30c9\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306e\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u904b\u7528\u3092\u4fdd\u8a3c\u3059\u308b\u4e00\u65b9\u3067\u3001\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u5168\u4f53\u7684\u306a\u30b3\u30b9\u30c8\u306b\u3082\u5bc4\u4e0e\u3057\u3066\u3044\u307e\u3059\u3002\u52a0\u76df\u5e97\u306f\u3001\u53d6\u5f15\u624b\u6570\u6599\u3067\u767a\u751f\u3059\u308b\u30b3\u30b9\u30c8\u3092\u76f8\u6bba\u3059\u308b\u305f\u3081\u306b\u4fa1\u683c\u6226\u7565\u3092\u8abf\u6574\u3057\u3001\u9593\u63a5\u7684\u306b\u6d88\u8cbb\u8005\u4fa1\u683c\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u52d5\u304d\u306f\u3001\u52b9\u7387\u7684\u306a\u6c7a\u6e08\u51e6\u7406\u30b7\u30b9\u30c6\u30e0\u306e\u7dad\u6301\u3068\u3001\u52a0\u76df\u5e97\u3068\u6d88\u8cbb\u8005\u306e\u53cc\u65b9\u306b\u5bfe\u3059\u308b\u30b3\u30b9\u30c8\u8ca0\u62c5\u306e\u7ba1\u7406\u3068\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u660e\u78ba\u306b\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-environment-and-compliance\">\u898f\u5236\u74b0\u5883\u3068\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pci-dss-compliance\">PCI DSS\u6e96\u62e0<\/h3>\n\n\n\n<p>\u8907\u96d1\u306a\u6c7a\u6e08\u51e6\u7406\u306e\u4e16\u754c\u3067\u306f\u3001\u30ab\u30fc\u30c9\u4f1a\u54e1\u60c5\u5831\u306e\u4fdd\u8b77\u304c\u6700\u3082\u91cd\u8981\u3067\u3059\u3002\u8cb7\u53ce\u9280\u884c\u3082\u767a\u884c\u9280\u884c\u3082\u3001Payment Card Industry Data Security Standard (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Payment_Card_Industry_Data_Security_Standard\">PCI DSS<\/a>).\u3053\u306e\u53b3\u683c\u306a\u4e00\u9023\u306e\u30ac\u30a4\u30c9\u30e9\u30a4\u30f3\u306f\u3001\u652f\u6255\u51e6\u7406\u306b\u95a2\u4e0e\u3059\u308b\u3059\u3079\u3066\u306e\u4e8b\u696d\u4f53\u304c\u30ab\u30fc\u30c9\u4f1a\u54e1\u30c7\u30fc\u30bf\u3092\u4fdd\u8b77\u3059 \u308b\u3053\u3068\u3092\u4fdd\u8a3c\u3059\u308b\u305f\u3081\u306e\u3082\u306e\u3067\u3059\u3002\u9075\u5b88\u4e8b\u9805 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Payment_Card_Industry_Data_Security_Standard\">PCI DSS<\/a> \u91d1\u878d\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306e\u4fe1\u983c\u6027\u3068\u5b8c\u5168\u6027\u3092\u7dad\u6301\u3057\u3001\u30c7\u30fc\u30bf\u6f0f\u6d29\u3084\u4e0d\u6b63\u884c\u70ba\u304b\u3089\u4fdd\u8b77\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-regulatory-oversight\">\u898f\u5236\u76e3\u7763<\/h3>\n\n\n\n<p>\u8cb7\u53ce\u9280\u884c\u3084\u767a\u884c\u9280\u884c\u306e\u6d3b\u52d5\u306f\u3001\u91d1\u878d\u5f53\u5c40\u3084\u898f\u5236\u6a5f\u95a2\u306b\u3088\u3063\u3066\u7dbf\u5bc6\u306b\u76e3\u7763\u3055\u308c\u3066\u3044\u308b\u3002\u3053\u306e\u76e3\u7763\u306b\u3088\u308a\u3001\u3053\u308c\u3089\u306e\u9280\u884c\u304c\u6d88\u8cbb\u8005\u3092\u4fdd\u8b77\u3057\u3001\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306e\u5b89\u5b9a\u6027\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306b\u78ba\u7acb\u3055\u308c\u305f\u6cd5\u7684\u304a\u3088\u3073\u91d1\u878d\u7684\u67a0\u7d44\u307f\u306e\u4e2d\u3067\u904b\u55b6\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u4fdd\u8a3c\u3055\u308c\u307e\u3059\u3002\u898f\u5236\u5f53\u5c40\u306e\u76e3\u8996\u306f\u3001\u53d6\u5f15\u51e6\u7406\u304b\u3089\u9867\u5ba2\u3068\u306e\u5bfe\u8a71\u306b\u81f3\u308b\u307e\u3067\u3001\u5e45\u5e83\u3044\u696d\u52d9\u3092\u7db2\u7f85\u3057\u3066\u304a\u308a\u3001\u9280\u884c\u306e\u5b8c\u5168\u6027\u3068\u4fe1\u983c\u6027\u3092\u7dad\u6301\u3059\u308b\u57fa\u6e96\u3092\u5b9f\u65bd\u3057\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fraud-prevention-regulations\">\u4e0d\u6b63\u9632\u6b62\u898f\u5247<\/h3>\n\n\n\n<p>\u30c7\u30b8\u30bf\u30eb\u53d6\u5f15\u304c\u30e6\u30d3\u30ad\u30bf\u30b9\u306a\u6642\u4ee3\u306b\u304a\u3044\u3066\u3001\u4e0d\u6b63\u9632\u6b62\u306f\u6975\u3081\u3066\u91cd\u8981\u3067\u3042\u308b\u3002\u898f\u5236\u306b\u3088\u308a\u3001\u9280\u884c\u306f\u4e0d\u6b63\u53d6\u5f15\u3092\u691c\u77e5\u30fb\u9632\u6b62\u3059\u308b\u5f37\u56fa\u306a\u30b7\u30b9\u30c6\u30e0\u306e\u5c0e\u5165\u3092\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u308b\u3002\u3053\u3046\u3057\u305f\u5bfe\u7b56\u306f\u3001\u9280\u884c\u81ea\u8eab\u3060\u3051\u3067\u306a\u304f\u9867\u5ba2\u3082\u4fdd\u8b77\u3057\u3001\u5b89\u5168\u306a\u6c7a\u6e08\u74b0\u5883\u3092\u4fdd\u8a3c\u3057\u307e\u3059\u3002\u9ad8\u5ea6\u306a\u5206\u6790\u3068\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u306b\u3088\u308a\u3001\u9280\u884c\u306f\u7591\u308f\u3057\u3044\u884c\u70ba\u3092\u7279\u5b9a\u3059\u308b\u80fd\u529b\u3092\u9ad8\u3081\u3001\u4e0d\u6b63\u884c\u70ba\u306e\u30ea\u30b9\u30af\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u3001\u30c7\u30b8\u30bf\u30eb\u53d6\u5f15\u306b\u5bfe\u3059\u308b\u6d88\u8cbb\u8005\u306e\u4fe1\u983c\u3092\u9ad8\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-future-trends-in-payment-processing\">\u6c7a\u6e08\u51e6\u7406\u306e\u5c06\u6765\u52d5\u5411<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-technological-innovations\">\u6280\u8853\u9769\u65b0<\/h3>\n\n\n\n<p>\u6c7a\u6e08\u51e6\u7406\u306e\u72b6\u6cc1\u306f\u3001\u6280\u8853\u9769\u65b0\u306b\u3088\u3063\u3066\u7d76\u3048\u305a\u5909\u5316\u3057\u3066\u3044\u308b\u3002\u975e\u63a5\u89e6\u578b\u6c7a\u6e08\u3001\u30e2\u30d0\u30a4\u30eb\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u3001\u305d\u3057\u3066 <a href=\"https:\/\/en.wikipedia.org\/wiki\/Blockchain\">\u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3<\/a> \u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u3053\u306e\u9032\u5316\u306e\u6700\u524d\u7dda\u306b\u3042\u308a\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30fb\u30d0\u30f3\u30af\u3068\u30a4\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u30fb\u30d0\u30f3\u30af\u306b\u9069\u5fdc\u3092\u4fc3\u3057\u3066\u3044\u308b\u3002\u3053\u308c\u3089\u306e\u9032\u6b69\u306f\u3001\u6c7a\u6e08\u30d7\u30ed\u30bb\u30b9\u3092\u5408\u7406\u5316\u3057\u3001\u6d88\u8cbb\u8005\u306b\u3055\u3089\u306a\u308b\u5229\u4fbf\u6027\u3068\u5b89\u5168\u6027\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3092\u7d04\u675f\u3059\u308b\u3082\u306e\u3067\u3042\u308b\u3002\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u9032\u5316\u306b\u4f34\u3044\u3001\u9280\u884c\u306e\u6226\u7565\u3082\u307e\u305f\u3001\u3053\u306e\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u696d\u754c\u306b\u304a\u3044\u3066\u7af6\u4e89\u529b\u3092\u7dad\u6301\u3057\u3001\u95a2\u9023\u6027\u3092\u4fdd\u3064\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-changing-consumer-behaviors\">\u6d88\u8cbb\u8005\u884c\u52d5\u306e\u5909\u5316<\/h3>\n\n\n\n<p>\u3088\u308a\u8fc5\u901f\u3067\u5b89\u5168\u306a\u53d6\u5f15\u3092\u6c42\u3081\u308b\u6d88\u8cbb\u8005\u306e\u9700\u8981\u306f\u3001\u6c7a\u6e08\u51e6\u7406\u696d\u754c\u306b\u5927\u304d\u306a\u5909\u5316\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u308b\u3002\u3053\u306e\u5909\u5316\u306b\u3088\u308a\u3001\u9867\u5ba2\u4f53\u9a13\u3068\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u5411\u4e0a\u306b\u91cd\u70b9\u3092\u7f6e\u304f\u5fc5\u8981\u304c\u751f\u3058\u3001\u9280\u884c\u306f\u65b0\u3057\u3044\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3068\u30d7\u30ed\u30bb\u30b9\u3078\u306e\u6295\u8cc7\u3092\u4f59\u5100\u306a\u304f\u3055\u308c\u3066\u3044\u308b\u3002\u96fb\u5b50\u6c7a\u6e08\u306e\u53f0\u982d<a href=\"https:\/\/en.wikipedia.org\/wiki\/Commerce\">\u5546\u696d<\/a> 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id=\"h-regulatory-changes-and-challenges\">\u898f\u5236\u306e\u5909\u5316\u3068\u8ab2\u984c<\/h3>\n\n\n\n<p>\u6c7a\u6e08\u74b0\u5883\u304c\u9032\u5316\u3059\u308b\u306b\u3064\u308c\u3001\u305d\u308c\u3092\u7ba1\u7406\u3059\u308b\u898f\u5236\u306e\u67a0\u7d44\u307f\u3082\u9032\u5316\u3057\u3066\u3044\u308b\u3002\u3053\u3046\u3057\u305f\u5909\u5316\u306f\u3001\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30d0\u30f3\u30af\u306b\u3068\u3063\u3066\u8ab2\u984c\u3068\u6a5f\u4f1a\u306e\u4e21\u65b9\u3092\u3082\u305f\u3089\u3059\u3082\u306e\u3067\u3059\u3002\u65b0\u305f\u306a\u898f\u5236\u306e\u8907\u96d1\u3055\u3092\u4e57\u308a\u5207\u308b\u306b\u306f\u3001\u6a5f\u654f\u3055\u3068\u9769\u65b0\u6027\u304c\u5fc5\u8981\u3067\u3042\u308a\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3092\u78ba\u4fdd\u3057\u3064\u3064\u3001\u65b0\u305f\u306a\u6210\u9577\u6a5f\u4f1a\u3092\u3064\u304b\u3080\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u307e\u3059\u3002\u898f\u5236\u306e\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u6027\u8cea\u306f\u3001\u9280\u884c\u304c\u6c7a\u6e08\u51e6\u7406\u306e\u6700\u524d\u7dda\u3067\u3042\u308a\u7d9a\u3051\u308b\u305f\u3081\u306b\u3001\u305d\u306e\u6226\u7565\u3068\u696d\u52d9\u3092\u7d99\u7d9a\u7684\u306b\u898b\u76f4\u3059\u3053\u3068\u3092\u4fc3\u3057\u3066\u3044\u308b\u3002<\/p>\n\n\n\n<p>\u63a8\u85a6\u56f3\u66f8<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-wooshpay wp-block-embed-wooshpay\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"Tc9A4RcV0y\"><a href=\"https:\/\/wooshpay.com\/zh\/resources\/knowledge\/online-payments\/2024\/01\/26\/how-to-enhance-business-efficiency-strategies-using-payment-automation\/\">\u5982\u4f55\u63d0\u9ad8\u4e1a\u52a1\u6548\u7387\uff1a\u4f7f\u7528\u652f\u4ed8\u81ea\u52a8\u5316\u7684\u7b56\u7565<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u5982\u4f55\u63d0\u9ad8\u4e1a\u52a1\u6548\u7387\uff1a\u4f7f\u7528\u652f\u4ed8\u81ea\u52a8\u5316\u7684\u7b56\u7565\u300b-WooshPay\" src=\"https:\/\/wooshpay.com\/zh\/resources\/knowledge\/online-payments\/2024\/01\/26\/how-to-enhance-business-efficiency-strategies-using-payment-automation\/embed\/#?secret=CCQUyI42W8#?secret=Tc9A4RcV0y\" data-secret=\"Tc9A4RcV0y\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-wooshpay wp-block-embed-wooshpay\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"o5jfNQOBZr\"><a href=\"https:\/\/wooshpay.com\/zh\/resources\/knowledge\/online-payments\/2024\/01\/26\/us-tax-rate-complete-guide-understanding-sales-tax\/\">\u7f8e\u56fd\u7a0e\u7387\u5b8c\u5168\u6307\u5357\uff1a\u4e86\u89e3\u9500\u552e\u7a0e<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u7f8e\u56fd\u7a0e\u7387\u5b8c\u5168\u6307\u5357\uff1a\u4e86\u89e3\u9500\u552e\u7a0e\u300b-WooshPay\" src=\"https:\/\/wooshpay.com\/zh\/resources\/knowledge\/online-payments\/2024\/01\/26\/us-tax-rate-complete-guide-understanding-sales-tax\/embed\/#?secret=2bourLGmuX#?secret=o5jfNQOBZr\" data-secret=\"o5jfNQOBZr\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>","protected":false},"excerpt":{"rendered":"<p>Introduction: Understanding the Roles of Acquiring Banks and Issuing Banks in Payment Processing In the vibrant world of financial transactions, especially those tinged with the convenience of credit cards, the spotlight often shines on two pivotal players: the acquiring bank and the issuing bank. These entities, though operating behind the scenes, orchestrate the seamless execution of payments, ensuring that merchants are compensated and consumers&#8217; transactions glide through without a hitch. This conversational deep dive aims to untangle the roles and responsibilities of acquiring and issuing banks, illuminating their indispensable positions within the financial networks that buoy our daily exchanges. What is an Acquiring Bank? Definition and Role An acquiring bank, [&hellip;]<\/p>","protected":false},"author":5,"featured_media":16343,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[22],"tags":[1190,1407,1408,1105,144],"class_list":["post-16344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-online-payments","tag-acquiring-bank","tag-credit-card-transactions","tag-financial-networks","tag-merchant-services","tag-payment-processing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.8 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Acquiring Bank vs Issuing Bank: Which Plays a Bigger Role in Payment Processing? - WooshPay<\/title>\n<meta name=\"description\" content=\"Untangle the roles and responsibilities of issuing and acquiring banks, illuminating their indispensable positions within 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Understanding the Roles of Acquiring Banks and Issuing Banks in Payment Processing In the vibrant world of financial transactions, especially those tinged with the convenience of credit cards, the spotlight often shines on two pivotal players: the acquiring bank and the issuing bank. 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