---
title: Card Payments Exchange - Acceptor to Acquirer
slug: card-payments-exchange-acceptor-to-acquirer
docTags: 
createdAt: 2025-01-27T15:57:51.970Z
---

This section defines the message set used for card payment exchanges between acceptors (merchants) and acquirers within the ISO 20022 framework. These messages facilitate the processing of card-based payment transactions, ensuring secure and standardized communication between point-of-sale systems and acquiring institutions.

The message definitions in this section cover the complete transaction lifecycle, from initial authorization requests through to transaction completion and reconciliation. Each message type serves a specific purpose in the payment processing workflow, enabling robust handling of various payment scenarios including purchases, refunds, and cancellations.