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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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The ATM Market in Australia

31 Dec 2012 RDP 2012-03
Clare Noone
a) That is, the own-bank processing cost incurred by the cardholder's bank (or more generally the card issuer) that primarily reflects costs of ATM withdrawals made using a debit ... If the costs of credit functions are included, the weighted-average
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html