Card schemes enable a simplified and guaranteed exchange of money between merchants, customers and their banks, by operating international networks and setting uniform standards. More specifically, they define rules for the routing of payment authorizations and settlementSettlement settlement The process of transferring funds from the issuer to the acquirer. requests in point-of-sale and e-commerce transactionsTransactions transactions Interactions where value is exchanged for goods or services. between merchantMerchant merchant An individual or business that accepts payments in exchange for goods or services. acquirers and card issuers, as well as ATM withdrawals or purchases with cashback transactions.
| ANZ | Eftpos (Australia), Eftpos (New Zealand) |
| North America | US PIN Debit Network (Star, Accel, NYCE, Jeanie, Presto, Shazam), Interac (Canada). |
| Europe | Girocard (Germany), Carte Bancaire (France), PostFinance (Switzerland), Multibanco (Portugal), Eufiserv (Pan Europe ATM), BCC (Belgium), Bancomat Mister Cash (Belgium), Nets (Nordic / Baltic), UPC (Ukraine), DIAS (Greece) |
| Middle East | GCC Net (pan Middle East), BENEFIT (Bahrain), UAE SWITCH, OMAN NET, KNET (Kuwait), NAPS (Qatar), SPAN (Saudi Arabia), Shetab (Iran). |
| Latin America | Elo (Brazil), Prosa (Mexico), Redcompra (Chile). |
| Asia | BC Card (South Korea), Smartlink (Vietnam), VNBC (Vietnam), Bancnet (Philippines), MegaLink (Philippines), NEPS (Nepal), Altyn Asyr (Turkmenistan), APS (Afghanistan), Rupay (India) |
| Africa | InterSwitch / Verve (Nigeria), Monetique (Tunisia), EthSwitch (Ethiopia) |