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[[File:card schemes4.jpg|thumb|left]]
In a four-party scheme (also referred to as [[Four Corners Model for Payment Security|Four Corners Model]]), the issuer and acquirer are different entities, and this type of scheme is open for other institutions to join and issue their own cards. This is the type of card scheme used by [[brand]]s such as [[Visa Inc.|Visa]], [[Mastercard]], [[Verve Card]], [[UnionPay]] and [[RuPay]]. There are no limitations as to who may join the scheme, as long as the requirements of the scheme are met.
==Processes==
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