{"version":"0.35.0","built_at":"2026-10-24T11:24:42.001Z","license":"CC BY 4.0 © Mike Reams","canonical":"https://catalog.mikereams.com","capability":{"id":"BC-1730","name":"Payments & Cards","level":1,"parent_id":null,"l1_id":"BC-1730","industry":"financial-services","macro_id":null,"path":["Payments & Cards"],"description":"Move money for customers accurately, securely and on time over batch, real-time, wire and card rails, issue and run cards, accept card payments for merchants, and resolve the disputes that follow. An enterprise paying its own suppliers and staff is treasury and payables, not this capability.","aliases":["Payment Services","Payments Processing","Cards and Payments","Money Movement"],"in_scope":["Payment initiation, validation and routing on every rail","Clearing, settlement and payment reconciliation","Card issuing, authorization and merchant acquiring","Payment and card disputes, returns and chargebacks"],"out_of_scope":["An enterprise paying its own bills and managing bank relationships (see BC-230.40)","Paying suppliers as part of accounts payable (see BC-260.20)","Fraud detection on payments and cards (see BC-1770.40)","Sanctions screening of payment messages (see BC-1770.30)"],"csdm_note":"Record as a Business Capability supported by payment hub, clearing gateway, card management, authorization and acquiring Business Applications; align it to the payment and card Business Services customers and merchants use, with each rail's connection often recorded as its own Application Service.","status":"active","successor_id":null,"child_ids":["BC-1730.10","BC-1730.20","BC-1730.30","BC-1730.40","BC-1730.50","BC-1730.60"]},"crosswalk":{"realized_by":[],"used_in":[{"vs_id":"VS-410","vs":"Apply-to-Account","stage_id":"VS-410.40","stage":"Fund & Set Up Services","order":4,"via":"BC-1730.10"},{"vs_id":"VS-420","vs":"Application-to-Funding","stage_id":"VS-420.40","stage":"Fund","order":4,"via":"BC-1730.10"},{"vs_id":"VS-430","vs":"Payment-to-Settlement","stage_id":"VS-430.10","stage":"Initiate & Validate","order":1,"via":"BC-1730.10"},{"vs_id":"VS-430","vs":"Payment-to-Settlement","stage_id":"VS-430.20","stage":"Screen & Authorize","order":2,"via":"BC-1730.40"},{"vs_id":"VS-430","vs":"Payment-to-Settlement","stage_id":"VS-430.30","stage":"Clear","order":3,"via":"BC-1730.20"},{"vs_id":"VS-430","vs":"Payment-to-Settlement","stage_id":"VS-430.40","stage":"Settle","order":4,"via":"BC-1730.20"},{"vs_id":"VS-430","vs":"Payment-to-Settlement","stage_id":"VS-430.50","stage":"Reconcile & Resolve","order":5,"via":"BC-1730.20"}],"patterns":[],"stacks":[],"books":[],"technology":[],"frameworks":[],"principles":[],"data_concepts":[],"domain_events":[]},"ancestors":[],"children":[{"id":"BC-1730.10","name":"Payment Initiation & Processing","level":2,"child_count":4},{"id":"BC-1730.20","name":"Clearing & Settlement","level":2,"child_count":5},{"id":"BC-1730.30","name":"High-Value, Instant & Cross-Border Payments","level":2,"child_count":4},{"id":"BC-1730.40","name":"Card Issuing & Processing","level":2,"child_count":4},{"id":"BC-1730.50","name":"Merchant Acquiring","level":2,"child_count":4},{"id":"BC-1730.60","name":"Payment Disputes & Chargebacks","level":2,"child_count":4}]}