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FinTech Glossary

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On-Us Transaction

What Is an On-Us Transaction?

An on-us transaction is a payment where the issuing bank and acquiring bank are the same, allowing the transaction to be processed internally without external network involvement.

How On-Us Transactions Work

Since both parties are within the same bank, settlement is faster and costs may be lower. These transactions are common within closed or proprietary systems.

Why On-Us Transactions Matter

They reduce processing costs and settlement time. Understanding transaction routing helps businesses analyse fees and performance.

Business Context

Businesses benefit from clarity on transaction types when evaluating payment costs and settlement timelines.

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