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Originator

Originator: A financial institution that initiates a wire transfer or automated clearing house (ACH) payment....
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Original Submission

Original Submission: The initial electronic submission of a STAR POS Transaction that has been authorized by a STAR Merchant or...
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Original Draft

Original Draft: The actual bank copy of the form used in the transaction. Also referred to as the “hard copy.”...
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Operating Rules

Operating Rules: Rules and business practices meant to increase consistency and interoperability among the various financial service providers that will...
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Operating Risk

Operating Risk: The sum total of cumulative chargeback risk exposure plus the cumulative credit risk exposure with a given merchant....
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Operating Procedures

Operating Procedures: The current manual prepared by an acquiring processor, containing operational procedures, instructions and other directives relating to card...
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Open-to-Buy

Open-to-Buy: The difference between the credit limit assigned to a cardholder account and the present balance on the account....
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Online Transaction

Online Transaction: A STAR Transaction that is input by a STAR Cardholder using his or her PIN and that is...
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Online Debit

Online Debit: Debit card transactions that are instantly debited from the cardholder’s bank account. No signature is required. A PIN...
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On-Us Transaction

On-Us Transaction: Any electronic banking transaction in which the acquirer and the issuer are the same institution....
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