Is the issuer bank involved in chargebacks?

Yes. Issuer banks manage dispute and chargeback processes.

What Is An Issuer Bank? Role In Card Payments

An issuer bank is the bank that issues a debit or credit card to a customer and approves or declines transactions.

The issuer bank checks available balance or credit and sends an authorisation response through the network.

• Controls card usage
• Manages customer risk
• Enables secure payments

Does the issuer bank hold customer funds?

Yes. Funds or credit lines are held by the issuer.

Can issuer banks decline transactions?

Yes. Based on risk or insufficient funds.

Is the issuer involved in chargebacks?

Yes. Issuers manage disputes.

Are issuer banks regulated?

Yes. They operate under RBI norms.