Dicussing Visa and mastercard explaining ledger v settlement.
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Quora explaining Visa:
https://www.quora.com/What-exactly-are-Visa-and-Mastercard-if-theyre-not-banks-Which-systems-or-protocols-do-they-control-What-does-the-payment-infrastructure-mean-Why-do-banks-even-need-them
Visa booklet:
https://usa.visa.com/dam/VCOM/download/corporate/media/visanet-technology/visa-net-booklet.pdf
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