In the industrial chain of bank cards, commercial banks are the core and the leader of the whole chain. They are organically combined with industrial departments such as card making institutions, card issuing institutions, acquiring institutions and specialized service institutions to form an industrial cluster that promotes the coordinated development of the bank card industry.

The industrial chain of bank cards mainly includes four types of participants: first, consumers in the whole industry-cardholders and special merchants; Second, the supply side of the whole industry, including card issuers, acquirers and bank card organizations, in which card issuers can be banks, non-bank institutions, such as credit card companies, or enterprises in other industries, such as travel agencies, telecommunications, petroleum, insurance and other companies; Third, intermediate suppliers, including machine tools, chip manufacturers, system suppliers and maintainers, and various third-party service organizations; The fourth is the macro manager of the whole industry.

Third-party service providers in the bank card industry chain include: information exchange and transfer business organizations outside the bank card organization, third-party financial service companies, payment processing support providers, etc. Among them, the information exchange and transmission business organization provides the transaction information transmission function; Third-party financial service companies provide professional services such as merchant management, equipment maintenance, credit analysis, transaction clearing and related consulting; Payment processing support providers provide hardware, software and related services related to the bank card industry. There are many kinds of third-party service providers in the bank card industry, involving industrial enterprises and service enterprises, which provide various products and services for consumers and suppliers in the industry respectively.