Plastic cards issued by shoppers’ banks to enable cashless payments either on a point of sale, via an ecommerce website, or inside a mobile application. Cards may be debit, credit or prepaid, and are usually operated by card networks. Sometimes cards may be linked to ewallets or other local payment methods, but most commonly they are used to withdraw cash or make cashless payments.

A typical card contains a card number, which uniquely identifies a card. It also contains a security code, used in combination with other information (a card expiry date and cardholder name) to verify card-not-present payments (for example, when paying for goods or services on a ecommerce website or inside a mobile application).