This is an inforgraphic by Mobey Forum’s Payments Expert Group
‘Payment is not just a payment’ maps the end-to-end lifecycle of debit card, credit card, and account-to-account (A2A) payments, providing a practical comparison of how different payment models work in practice.
Developed by Mobey Forum’s Payments Expert Group, the infographic follows payment journeys across onboarding and issuing, payment initiation, transaction processing, and post-processing activities. It highlights how responsibilities, controls, participant interactions, and value creation differ across payment models, and is illustrated through case studies from Bizum and BankAxept.
By comparing card and A2A payments side by side, the infographic helps banks, payment service providers, and other ecosystem participants understand where payment models share common foundations and where meaningful differences remain. It explores topics such as value distribution, dispute handling, acceptance, risk management, and the evolving roles of banks, fintechs, and payment intermediaries.
The infographic reinforces that payments are about more than the underlying rail. User experience, trust, and value creation depend on the wider ecosystem, business rules, and participant interactions that support each payment model.
Mobey Forum’s Payments Expert Group Co-Chairs:
Pål Krogdahl, Samlink
Ville Sointu, Nordea
Jukka Yliuntinen, G+D Netcetera
