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Mr.Kohli, on 2nd May, went to buy a Sony Bravia Smart Tv, from Croma with his HDFC Bank Regalia Credit card (which is on the MasterCard network). American Express is acquirer, issuer in addition to has its own network. Payment Network: Networks like Visa, MasterCard, American Express serve as the link between acquiring banks and issuing banks. Liability for non-payment is then shared by the issuing financial institution and the acquiring financial institution, according to guidelines established by the card affiliation model. It offers unreal card identify, Card Number, Expiration Date and CVV number. For example, when contacting them, they could ask for your birth date or your mother's maiden identify. In the above instance, Mr. Kohli is the card holder, Croma is the merchant, HDFC Bank is the Card Issuer, ICICI Bank is the Acquirer and MasterCard is the Payment Network. Banks can use each others network if an agreement is reached. To deal with this many individuals use faux Bank card numbers. It's a common misconception amongst folks.

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