What is On-us and Not-on-us Transactions?
Also known as: On-us transaction, off-us transaction
An on-us transaction is one where the card-issuing bank and the bank of the virtual POS processing the transaction are the same — for example, a Bank X card charged through a Bank X virtual POS. In a not-on-us transaction the card belongs to a different bank. The distinction directly affects commission, instalment availability and approval rates.
How does On-us and Not-on-us Transactions work?
- The first digits of the card number (BIN) identify the issuing bank and card programme.
- If the transaction goes through the card's own bank's POS it is on-us; through another bank's POS, it is not-on-us.
- Banks usually offer better commission and instalment terms for on-us transactions; not-on-us transactions incur interchange costs between banks.
Key points
- In Turkey, instalment sales are mostly available through the card's own bank or banks in the same card programme
- Routing transactions on-us can lower costs
- This routing decision is made in the merchant's payment infrastructure, invisibly to the cardholder
On-us and Not-on-us Transactions with Treps
Treps's smart routing identifies the issuing bank from the card's BIN and, if the business has a virtual POS at that bank, can process the transaction on-us according to the rules — widening instalment options and lowering transaction costs.
Frequently asked questions
Why are not-on-us transactions more expensive?
In a not-on-us transaction, the POS bank pays an interchange fee to the issuing bank under card scheme rules, and this cost is reflected in the merchant's commission rate. On-us transactions avoid this intermediate cost.
Do I need a virtual POS at every bank for on-us routing?
Not at every bank. Having a virtual POS at the banks whose cards are most common among your customers is usually enough to route most transactions on-us.