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RBA Glossary definition for card issuer

card issuer – An institution that provides its customers with debit or credit cards.

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A Model of Competing Payment Systems

17 Apr 2009 RDP 2009-02
George Gardner and Andrew Stone
merchant accepts the cards of both platforms, and those who would instead prefer to use card j over card i. ... card. Focusing without loss of generality on the cards of platform i, we see that consumers in the subsets.
https://www.rba.gov.au/publications/rdp/2009/2009-02/model-competing-payment-systems.html