### Question
How is the "payment card network" defined?


### Answer
The term **payment card network** is defined in *15 U.S.C. § 1693o* as follows -

> an entity that directly, or through licensed members, processors, or agents, provides the proprietary services, infrastructure, and software that route information and data to conduct debit card or credit card transaction authorization, clearance, and settlement, and that a person uses in order to accept as a form of payment a brand of debit card, credit card or other device that may be used to carry out debit or credit transactions

#### Citation:
  - *15 U.S.C. § 1693o*
  - Heading: **CHAPTER 41-CONSUMER CREDIT PROTECTION > SUBCHAPTER VI-ELECTRONIC FUND TRANSFERS**

