The path of a card payment

The request goes from the shop's processor, across the card network, to the bank that issued the card.

1Payment processors ↓Companies that take card paymentsfor shops and pass them on.WorldlineGlobal PaymentsWorldpayTNS (Transaction Network Services)Ntt Data PaymentsPayHuddle2Card networks ↓The networks that connect everyshop's processor to everycard-issuing bank.MastercardVisa3Bank paymentsoftware andspecialist paymentnetworks ↓The software inside a bank thatmoves money, and networks for onekind of payment.ACI WorldwideEuronetAlegeusCubic Transportation SystemsZelisOsfin.ai1Payment processors ↓Companies that take card payments forshops and pass them on.WorldlineGlobal PaymentsWorldpayTNS (Transaction Network Services)Ntt Data PaymentsPayHuddle2Card networks ↓The networks that connect every shop'sprocessor to every card-issuing bank.MastercardVisa3Bank payment software andspecialist paymentnetworks ↓The software inside a bank that movesmoney, and networks for one kind ofpayment.ACI WorldwideEuronetAlegeusCubic Transportation SystemsZelisOsfin.ai

Box 1 takes the payment from the shop's machine, box 2 carries it to the right bank, and box 3 holds the software inside that bank, along with other payment networks. Tap a title in the diagram to jump to its companies.

1

Payment processors 6 companies

A shop signs up with a processor, which takes each card payment from its machine or website and sends it on to the card network.

Worldline logoWorldlineWorldline, a French processor that hires in Pune, sells payment processing, online gateways and card machines, mostly in Europe.PuneHired recently
Global Payments logoGlobal PaymentsGlobal Payments, which hires in Pune, is one of the largest processors in the world. It takes card payments for shops, restaurants and software platforms.Pune · BengaluruHired recently
Worldpay logoWorldpayWorldpay processes card payments for large retailers and online shops, and pays out money across borders.Pune · BengaluruHired recently
TNS (Transaction Network Services) logoTNS (Transaction Network Services)TNS runs a private network that connects card machines, processors and banks, and carries the payment traffic between them.Bengaluru · Delhi NCRHiring now
NNtt Data PaymentsNTT Data Payments, which began as Atom Technologies, is an Indian payment gateway. It hires in Mumbai.Mumbai
PayHuddle logoPayHuddlePayHuddle, a small Bengaluru company, sells payments software to banks and processors.
The tech, explainedMerchant acquiringPayment switching networkPOS terminal
2

Card networks 2 companies

A card network carries each payment from the shop's processor to the bank that issued the card, and carries the answer back. It also sets the rules both sides follow.

Mastercard logoMastercardMastercard runs the second-largest card network, and sells security and data services to banks and shops.Pune · MumbaiHiring now
Visa logoVisaVisa runs the largest card network in the world, connecting the banks that issue cards to the processors that accept them.BengaluruHiring now
The tech, explainedPayment fraud detectionCard network
3

Bank payment software and specialist payment networks 6 companies

Inside the bank, software sends and receives every kind of payment. Other companies run payment networks for one purpose, such as ATMs, health payments or metro fares.

Payment software inside the bank

The bank's own payment systems.

ACI Worldwide logoACI WorldwideACI Worldwide sells banks the software through which they send and receive every kind of payment, and check each one for fraud.Pune · BengaluruHiring now

Specialist payment networks

Networks and services built for one kind of payment.

Euronet logoEuronetEuronet runs ATMs across Europe and Asia, a network for topping up phones and cards with cash in shops, and money transfers.
Alegeus logoAlegeusAlegeus runs the debit cards and payments of American health-benefit accounts.BengaluruHiring nowSee alsoBenefits administration software
Cubic Transportation Systems logoCubic Transportation SystemsPart of Cubic Corp.Cubic builds fare collection for public transport, such as paying for a metro ride by tapping a bank card at the gate.HyderabadHiring nowSee alsoFare collection and tolling systems
Zelis logoZelisZelis handles the payments between American health insurers and doctors.HyderabadHired recentlySee alsoHealth plan claims and care management
Osfin.ai logoOsfin.aiOsfin.ai checks what was paid against what actually arrived, for fintechs and banks.See alsoFinancial close, FP&A and tax software
The tech, explainedPayment hub↗ Digital bankingATM↗ Digital bankingHealthcare payments↗ Medical billing and claims
How it all worksIn-store paymentsCard or QR at the café, approved in two seconds.
See how it works →

What's changing

Some payments now skip the card.

In India, UPI moves money straight from one bank account to another, with no card network in between. Card networks and processors are responding by carrying UPI and other account-to-account payments too.

Read moreCard network
← Check outWork management and knowledge platformsNext in Payments →Payment gateways
Elsewhere in Payments:Point of sale (POS)Cross-border payments and remittancesUPI apps, wallets and neobanksB2B payments and spend managementCrypto and digital assets

Companies: ingrid's company map. Hiring signals: postings feed of 5 Nov 2026.