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Merchant Service Agreement (MSA)
As part of a merchant’s application, they will need to sign a Merchant Service Agreement (MSA) that sets out the terms and conditions of the contract they will enter into for an acquiring bank to process their card transactions. This agreement may also include agreed pricing, how cards will be accepted (a bank or retailer owned terminal) and which card types can be accepted.
Please note that to accept American Express and Diners Club, a merchant will need a separate agreement with these card schemes.
