card-issuing bank

Basically any time someone USES a credit card, the issuing bank-the bank sponsoring that card-forwards the money to an account set up by the merchant specifically to accept credit card payments.

基本上，在任何时候，有人使用信用卡，那么发卡银行(这张卡的赞助银行)就会把这笔钱转到由商家指定的接收账户上。

Jack Dorsey: Everyone takes a cut-the merchant bank, the issuing bank, and the credit card company.

Jack Dorsey：每个人都有份，商户银行，发卡银行，和信用卡公司。

Every time you pay online, you must check your own PAM before entering your password to ensure that you are dealing with your card issuing bank.

在网上付款时，您一定要留意有没有这个个人保证讯息，以确定为您核证身份的是您的发卡机构。