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Business Partner - Payment Card Processing 
Definition
A person, group of people, or company outside of your organization with whom you transact your payment card business.
The different partners involved in card processing in the SAP environment are the:
Uses a payment card to purchase goods and services.
Provides goods and services and accepts cards as payment.
Issues authorizations and provides services for processing settlement data supplied by the merchants.

The payment card functions in Sales and Distribution focus on business transactions between the merchant and the clearing house.
