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August 2014

Merchant Processing

This publication is part of:

Collection: Comptroller's Handbook

Series: Safety and Soundness

Category: Other Activities


This booklet addresses merchant processing, its associated risks, and risk management practices. This booklet focuses on card payment-related processing, which is separate from a bank's business of issuing payment cards.


This booklet applies to the OCC's supervision of national banks and federal savings associations. References to national banks in this booklet also generally apply to federal branches and agencies of foreign banking organizations. Refer to 12 USC 3102(b) and the "Federal Branches and Agencies Supervision" booklet of the Comptroller's Handbook for more information.