| Summary: | The COVID19 pandemic, unleashed worldwide, with far-reaching negative effects, also had a positive effect, namely the acceleration of the digitalization processes, which started a long time ago, but which had a very slow course. Starting from this desideratum, digitization takes on new values and it is opportune to take a more in-depth approach to the actors who play in the market of transactions based on card payment systems in order to ultimately gain user loyalty, among these participants we distinguish: cardholder, issuing bank, acquiring bank, merchant, payment card scheme processor, clearing house and issuing processors. In this article I propose to highlight the behavior of the parties involved in transactions carried out with modern payment instruments, behavior that must have the purpose of ensuring that a two-component market creates optimal added value based on the proper coordination of the demands of the two components namely issuing banks and cardholders on the one hand and acquiring banks and merchants on the other.
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