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Glossary

#

2FA (Two-Factor Authentication)3-d secure (3DS)3-D Secure (3DS1, 3DS2)3-d secure 2 (3DS2)

A

A/b routing Account-to-account transfer (A2A)ACH (Automated Clearing House)Acqui-hire Acquirer Acquirer (Acquiring Bank)Acquirer reference number (ARN)Address verification service (AVS)Address verification service (AVS) code Adjustment Aggregation model AISP (Account Information Service Provider)Alternative Data Alternative Investment Alternative payment method (APM)AML (Anti-Money Laundering)Anti-money laundering (AML)API (Application Programming Interface)Api key API Rate Limiting Api throttling Application identifier (AID)Application programming interface (API)Approval rate Arbitration Asset Allocation AUM (Assets Under Management)Authorization Authorization & capture Automated clearing house (ACH)Automated reconciliation Average ticket size

B

B2B Payment (Business-to-Business Payment)BaaS (Banking-as-a-Service)Balance reconciliation Bank identification number (BIN)Banking Batch file Batch identifier Batch processing Batch reconciliation BIC (Bank Identifier Code) / SWIFT Code Big Data BitLicense (New York State)Blacklist Blended pricing Blockchain BNPL (Buy Now, Pay Later)Broker-Dealer License Buy now pay later (BNPL)

C

CAC (Customer Acquisition Cost)Callback url Capability-based routing Capture Card network Card payment Card verification value (CVV/CVC)Card-not-present transaction (CNP)Card-present transaction Cart abandonment Cascade Routing / Failover Routing Cascading Cash payment CASP (Crypto-Asset Service Provider)CBDC (Central Bank Digital Currency)CDD (Customer Due Diligence)CeFi (Centralized Finance)CEX (Centralized Exchange)CFT (Combating the Financing of Terrorism)Charge (sale)Chargeback Chargeback ratio Chargeback reason code Checkout Checkout optimization Circuit Breaker Pattern Clearing Client secret Cloud Computing Cohort analysis Compelling evidence Compliance Compliance audit Compliance check Conglomerate Acquisition Contactless payment Conversion rate Cost-aware routing Counter-terrorism financing (CTF)Credit card Credit Scoring Cross-border fee Cross-border payment Crypto & Virtual Assets Cryptocurrency Cryptogram Currency routing Customer acquisition cost (CAC)Customer due diligence (CDD)Customer Experience (CX)Customer lifetime value (LTV)Cvv check Cybersecurity

D

Daily reconciliation Data breach Data normalization Debit card Decline code analysis Decline rate Decline recovery DeFi (Decentralized Finance)Descriptor code Detokenization DEX (Decentralized Exchange)Digital Banking License Digital Identity Digital wallet Digital Wallet (E-Wallet)Direct debit Dispute Dispute flow Dispute report Dispute resolution DLT (Distributed Ledger Technology)DLT License (Distributed Ledger Technology)Double taxation Double taxation agreement (DTA)Due Diligence Dynamic 3DS (3-D Secure)Dynamic currency conversion (DCC)

E

E-commerce transaction E-money EAD (Exposure at Default)ECSP (European Crowdfunding Service Provider) License EDD (Enhanced Due Diligence)Embedded checkout EMI (Electronic Money Institution)EMI (Electronic Money Institution)Emv Emv standard Encryption End-to-end encryption (E2EE)Enhanced due diligence (EDD)Escrow account Escrow service ETF (Exchange-Traded Fund)Evidence package Exception handling

F

Factoring Failover Fee report Fintech (Financial Technology)First chargeback Flat fee pricing FMSB (Foreign Money Services Business)Foreign exchange (FX)Foreign exchange (FX) fee Foreign investment tax Fraud detection Fraud rate Fraud score Fraudulent chargeback Frictionless flow Friendly fraud Full Banking License Funnel analysis Fx margin

G

GDPR (General Data Protection Regulation)General Ledger Geo routing GMV (Gross Merchandise Value)Goods and services tax (GST)Greylist Gross payment volume (GPV)Gross payout Gross settlement Gross settlement (marketplace)Guest checkout

H

Hard decline Hardware security module (HSM)High-Frequency Trading (HFT)Holdback Horizontal Acquisition Hosted payment page (HPP)

I

IBAN (International Bank Account Number)ICO (Initial Coin Offering)Idempotency Idempotency key Import duty In-app payment In-store payment Incident Management Independent sales organization (ISO)Infrastructure as a Service (IaaS)Installment payments Instant payouts Institutional Investor InsurTech Interchange fee Interchange++ (IC++)Investment & Lending Investment Firm License Invoice Financing IPO (Initial Public Offering)Issuer Issuer (Issuing Bank)Issuer authentication Issuer identification number (IIN)

K

Key management Know your business (KYB)Know your customer (KYC)KYB (Know Your Business)KYC (Know Your Customer)

L

Ledger (General / Sub-Ledger)LGD (Loss Given Default)Localized checkout LTV (Loan-to-Value Ratio)

M

M&A (Mergers and Acquisitions)Magnetic stripe Mail order / telephone order (MOTO)Marketplace Marketplace compliance MCC (Merchant Category Code)Merchant Merchant account Merchant Cash Advance (MCA)Merchant discount rate (MDR)Merchant identification number (MID)Merchant of Record (MoR)Mergers and Acquisitions (M&A)MLRO (Money Laundering Reporting Officer)Mobile pos (MPOS)Mobile wallet Money Services (North America / Global)mPOS (Mobile Point of Sale)MSB (Money Services Business)MTL (Money Transmitter License)Multi-currency payout

N

Near field communication (NFC)Neobank Net payout Net revenue Net settlement Net settlement (marketplace)Network arbitration fee Network token NFC (Near Field Communication)NFT (Non-Fungible Token)Nostro Account NPL (Non-Performing Loan)NRR (Net Revenue Retention)

O

Oauth Offline authorization One-click checkout One-Click Payment OTP (One-Time Password)

P

P2P Lending (Peer-to-Peer Lending)P2P Lending License P2P Payment (Peer-to-Peer Payment)Pa-dss PAN (Primary Account Number)Parametric Insurance Partial refund Passive Income Payback Period Payment aggregator Payment descriptor Payment facilitator (PayFac)Payment gateway Payment Institution License Payment ledger Payment method Payment orchestration Payment page Payment plugin Payment service provider (PSP)Payment token Payout Payout cycle Payout report Payout schedule Pci compliance level Pci dss PCI DSS (Payment Card Industry Data Security Standard)Pci security standards council PD (Probability of Default)Penetration testing PEP (Politically Exposed Person)PI (Payment Institution)PISP (Payment Initiation Service Provider)Platform Platform as a Service (PaaS)Platform fee Point of interaction (POI)Point of sale (POS)Point-to-point encryption (P2PE)Politically exposed person (PEP)Portfolio Portfolio Rebalancing POS (Point of Sale)Pre-arbitration Predictive Analytics Prepaid card Presentment Pricing model Primary account number (PAN)Processing fee Processor Processor markup Production environment Proof of Stake (PoS)Proof of Work (PoW)Provider abstraction layer Provider health monitoring Provisioning Proximity payment Psd2 PSD2 (Payment Services Directive 2)PSP (Payment Service Provider)PSP (Payment Service Provider)

Q

Qr code payment

R

Real-Time Payments (RTP)Reconciliation Reconciliation file Reconciliation identifier Recurring Payment / Subscription Payment Refund RegTech (Regulatory Technology)Regulatory barrier Regulatory reporting Remittance Remote payment Reporting dashboard Representment Reserve Reserve account Rest api Retail Investor Retrieval reference number (RRN)Retry logic Revenue-Based Financing Reversal Risk scoring Risk-Based Pricing Risk-based routing Robo-Advisor License Roll-up Roll-ups in Fintech Rolling reserve Routing rules engine

S

Safeguarding / Segregated Account Sanctions screening Sandbox environment SAR (Suspicious Activity Report)SCA (Strong Customer Authentication)Sca exemption Scheme fee Second chargeback Self-checkout SEMI (Small Electronic Money Institution)SEPA (Single Euro Payments Area)SEPA Credit Transfer (SCT)SEPA Direct Debit (SDD)SEPA Instant Credit Transfer (SCT Inst)Settlement Settlement currency Settlement delay Settlement report Settlement Window Single euro payments area (SEPA)SLA (Service Level Agreement)Smart Contract Smart routing Smart Routing / Intelligent Routing Soap api Soft decline Software as a Service (SaaS)Software development kit (SDK)SPAC (Special Purpose Acquisition Company)Specialized Banking License (Fintech Bank)SPI (Small Payment Institution)Split payment Split settlement Stablecoin Stand-in processing STO (Security Token Offering)STP (Straight-Through Processing)Strong customer authentication (SCA)Sub-Ledger Sub-merchant Subscription billing System trace audit number (STAN)

T

Take rate Tap to pay Tax compliance Tax residency Tax-Loss Harvesting Telematics Terminal identification number (TID)Throttling Tiered pricing Timeout strategy Tokenization Tokenization (security)Transaction identifier Transaction lifecycle Transaction log Transaction monitoring Treasury management True fraud

U

Unattended terminal Underwriting Unified payment intent Unit Economics

V

Value added tax (VAT)VASP (Virtual Asset Service Provider)Velocity check Vendor onboarding Vertical Acquisition Virtual account Void Vostro Account

W

Webhook Whitelist Withholding tax Workflow builder