Keith B. Evans

A major U.S. merchant provider operates a major payments transaction authorization switch – to several million small to medium-size businesses throughout the world. The merchant processes payment authorization for Visa, MasterCard, American Express, Discover, Diners Club, and other major credit and debit card client companies. The cards are issued by banks and other financial institutions for consumer purchasing at brick-and-mortar and online stores, and for withdrawing cash from ATMs. Each card transaction must be approved by the issuing bank before it can be accepted by a merchant or an ATM.