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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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Private Net Costs

31 Dec 2014 RDP 2014-14
Chris Stewart, Iris Chan, Crystal Ossolinski, David Halperin and Paul Ryan
For merchants, the private costs of credit cards are lower for card-present transactions than for card-not-present transactions. ... Acquirers receive a net transfer as only part of the fees received from merchants is paid to card issuers through the
https://www.rba.gov.au/publications/rdp/2014/2014-14/private-net-costs.html

Appendix A: Additional Detailed Results

31 Dec 2014 RDP 2014-14
Chris Stewart, Iris Chan, Crystal Ossolinski, David Halperin and Paul Ryan
0.10. 0.11. Card issuer. (a). 0.12. 0.08. Transfers. Float (transfer to govt). ... na. 0.45. Total resource costs. na. 0.44. Card issuer. 0.11. 0.05.
https://www.rba.gov.au/publications/rdp/2014/2014-14/appendix-a.html

Resource Costs of Payments

31 Dec 2014 RDP 2014-14
Chris Stewart, Iris Chan, Crystal Ossolinski, David Halperin and Paul Ryan
For example, while the average ATM-based cash withdrawal is estimated to cost ATM owners about $0.77 (with card issuers incurring the extra $0.08 per transaction), a few entities ... Table 5: Financial Institutions' Card Costs. Dollars per average-sized
https://www.rba.gov.au/publications/rdp/2014/2014-14/resource-costs-payments.html