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When you pay for your coffee with your bank card, you swipe it at the terminal, take the receipt, and go on with your business. This is a typical action for you which takes no more than a couple of seconds to perform. But you don't think about the fact that during these few seconds, a lot of transactions take place which is hidden from your eyes, and, as a result, the money from your account is transferred to the coffee seller. We will describe how the transaction is processed and who is involved in this process in this article.