---
title: [OR] [MBT] [E3] [CBS] [9] [DP] Credit Card Issuing and Acquiring Services
description: [OR] [MBT] [E3] [CBS] [9] [DP] Credit Card Issuing and Acquiring Services
image: https://blog.bcm-institute.org/hubfs/Metrobank%20PH%20Graphic%20Folder/Metrobank%20E3%20Morepost/Metrobank%20CBS%209/%5BOR%5D%20%5BMBT%5D%20%5BE3%5D%20%5BCBS%5D%20%5B9%5D%20%5BDP%5D%20Credit%20Card%20Issuing%20and%20Acquiring%20Services.jpg
---
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###### Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide
![BB OR \[A\] 1](https://blog.bcm-institute.org/hs-fs/hubfs/BB%20OR%20%5BAi%20Gen%20Blog%20Photo%5D/OR%20Pictures%20A/BB%20OR%20Folder%20A/BB%20OR%20%5BA%5D%201.jpg?width=2000&height=1333&name=BB%20OR%20%5BA%5D%201.jpg "BB OR [A] 1")
# \[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[DP\] Credit Card Issuing and Acquiring Services
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/87e7f49d-dbef-4f23-931f-4a1f511f70bf)
This chapter examines the critical business service “CBS-9 Credit Card Issuing and Acquiring Services” for Metrobank within the context of operational resilience.
Credit card services represent a core revenue and customer-engagement function for Metrobank. They support retail and corporate clients by facilitating card issuance, merchant acquiring, and secure payment transactions domestically and internationally.
Operational resilience for this service demands rigorous process integrity, robust risk controls, and defined continuity capabilities.
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/732790df-c975-4982-a409-321d37ad0f1c)
[Moh Heng Goh](https://blog.bcm-institute.org/ebook-or/author/moh-heng-goh) Nov 11, 2025
###### Operational Resilience Certified Planner-Specialist-Expert
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/2196d2c2-e6e2-49b4-ba01-e7d03071dd00)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/732790df-c975-4982-a409-321d37ad0f1c)
### **CBS-9 Credit Card Issuing and Acquiring Services**
[![\[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[DP\] Credit Card Issuing and Acquiring Services](https://no-cache.hubspot.com/cta/default/3893111/7b2ea4c9-1299-4e60-a149-6c31912dd8f1.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/7b2ea4c9-1299-4e60-a149-6c31912dd8f1)
This chapter examines the critical business service “CBS-9 Credit Card Issuing and Acquiring Services” for Metrobank within the context of operational resilience.
Credit card services represent a core revenue and customer-engagement function for Metrobank. They support retail and corporate clients by facilitating card issuance, merchant acquiring, and secure payment transactions domestically and internationally.
Operational resilience for this service demands rigorous process integrity, robust risk controls, and defined continuity capabilities.
The following section delineates the detailed business processes (Sub-CBS) underpinning this critical service to provide clarity on functional scope, interdependencies, and resilience design considerations.
[![Banner \[Table\] \[OR\] \[E3\] Detailed Processes](https://no-cache.hubspot.com/cta/default/3893111/3ecaed5c-33ef-4660-bbad-bdc9839aa08c.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3ecaed5c-33ef-4660-bbad-bdc9839aa08c)
##### Table P1: Detailed Processes for CBS-9
| Sub-CBS Code | Name of Sub-CBS | Description of Sub-CBS |
| --- | --- | --- |
| 9.1 | Credit Card Application and Onboarding | Management of customer credit card applications, including eligibility checks, KYC verification, credit scoring, underwriting approvals, and account creation. |
| 9.2 | Card Issuance and Fulfillment | Production, personalization, and secure distribution of physical and digital credit cards, including PIN generation and activation processes. |
| 9.3 | Transaction Authorization and Processing | Real-time processing of card transactions across payment networks, including authentication, authorization, clearing, settlement, and fraud controls. |
| 9.4 | Merchant Acquiring and Onboarding | Onboarding of merchant partners, including due diligence, risk profiling, contractual arrangements, and setup of payment acceptance infrastructure and systems. |
| 9.5 | Merchant Transaction and Settlement Services | Processing of merchant transactions, reconciliation, settlement, disbursement, chargeback handling, and dispute resolution. |
| 9.6 | Cardholder Servicing and Collections | Post-issuance support, including query handling, statement administration, payment processing, delinquency management, and collections. |
| 9.7 | Fraud Detection and Security Monitoring | Continuous surveillance, anomaly detection, fraud prevention, dispute management, and regulatory reporting for cardholder and merchant fraud risks. |
| 9.8 | Compliance and Regulatory Management | Maintenance of compliance with payment network rules, banking standards, AML and consumer protection policies, and regulatory audit requirements. |
### [![Banner \[Summing\] \[OR\] \[E3\] Detailed Processes](https://no-cache.hubspot.com/cta/default/3893111/bce25519-5bf0-4302-aa7e-f4d565499b6d.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/bce25519-5bf0-4302-aa7e-f4d565499b6d)
Credit card issuing and acquiring services constitute a mission-critical function for Metrobank that is foundational to customer trust and financial system stability.
By disaggregating CBS-9 into its constituent Sub-CBS units, Metrobank can more effectively identify operational vulnerabilities, map key dependencies, and structure resilience-aligned controls.
This structured view supports the enterprise objective of sustaining secure, reliable card operations during normal and stressed conditions, while meeting regulatory expectations for operational resilience.
| Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide | | | | | |
| --- | --- | --- | --- | --- | --- |
| **eBook 3: Starting Your OR Implementation** | | | | | |
| **CBS-9 Credit Card Issuing and Acquiring Services** | | | | | |
| **CBS-9 DP** | **CBS-9 MD** | **CBS-9 MPR** | **CBS-9 ITo** | **CBS-9 SuPS** | **CBS-9 ST** |
| [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[DP\] Credit Card Issuing and Acquiring Services](https://no-cache.hubspot.com/cta/default/3893111/7b2ea4c9-1299-4e60-a149-6c31912dd8f1.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/7b2ea4c9-1299-4e60-a149-6c31912dd8f1) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[MD\] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/40bb72bb-5111-440d-8adb-eb87f4ec1d5f.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/40bb72bb-5111-440d-8adb-eb87f4ec1d5f) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[MPR\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/2ec68e79-e822-44b3-bc6e-d8842015c697.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2ec68e79-e822-44b3-bc6e-d8842015c697) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[ITo\] Establish Impact Tolerances](https://no-cache.hubspot.com/cta/default/3893111/a25c5343-8362-4595-904c-3634b82c3cd9.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a25c5343-8362-4595-904c-3634b82c3cd9) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[SuPS\] Identify Severe but Plausible Scenarios](https://no-cache.hubspot.com/cta/default/3893111/85351d9a-b59d-4b31-ac51-4affa7fd70e1.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/85351d9a-b59d-4b31-ac51-4affa7fd70e1) | [![\[OR\] \[MBT\] \[E3\] \[CBS\] \[9\] \[ST\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/01715f59-24f7-415e-9b5a-991b9213f22e.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/01715f59-24f7-415e-9b5a-991b9213f22e) |
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6)Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model.
#### More Information About OR-5000 \[OR-5\] or OR-300 \[OR-3\]
To learn more about the course and schedule, click the buttons below for the OR-300 Operational Resilience Implementer course and the OR-5000 Operational Resilience Expert Implementer course.
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/3530eccb-515d-401e-afc2-3469e26d7fbf) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/fdd4fa9c-ed69-40c1-925f-4eb6a1c5c255) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/77a34b84-0a6d-44f8-b8d6-6ab04cdf5edd) |
| --- | --- | --- |
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/6e5c0cda-39b9-4bbd-b3d4-4cf46a790b14) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/a68a08aa-36d3-4216-9551-202c9fde06ea) | [![ \[BL-OR\] \[3-4-5\] View Schedule](https://no-cache.hubspot.com/cta/default/3893111/d0d733a1-16c0-4b68-a26d-adbfd4fc6069.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/d0d733a1-16c0-4b68-a26d-adbfd4fc6069) |
| [![\[BL-OR\] \[3\] FAQ OR-300](https://no-cache.hubspot.com/cta/default/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091) | If you have any questions, click to contact us.[![Email to Sales Team \[BCM Institute\]](https://no-cache.hubspot.com/cta/default/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/7f2718a4-ea80-4f84-a319-dc2d4df37a46) |
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/74b1e556-8cd2-4a74-8821-db1804534955) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/f2bd8eb1-32d2-4732-9267-ea53223cf58f) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6) |
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