MDB Law / ACQ Stack

Design the acquiring model around real merchant, settlement and dispute flows.

A role-specific architecture for businesses that onboard merchants and accept, route or settle payment transactions through sponsor, scheme, processor and settlement relationships.

Service boundary

MDB Law architects and guides the framework.

Your team and chosen providers implement and operate it.

Who this Stack is for

Businesses exploring sponsored or non-bank acquiring, expanding from processing or TPPP services, operating merchant acceptance technology, or needing to map the legal and operating boundary between acquirer, facilitator, processor, gateway and sponsor roles.

MDB / ACQ TRANSACTION MAPONE BUSINESS / ONE VIEW
01Merchant
02Accept
03Authorise
04Route & clear
05Settle
06Dispute & refund

Follow one realistic transaction from first instruction to final record, exception and evidence.

What this Stack connects

  • 01Acquiring route and legal role boundaries
  • 02Merchant onboarding and risk rating
  • 03Acceptance, routing, processing and clearing
  • 04Settlement, reserves and reconciliation
  • 05Refunds, reversals, disputes and chargebacks
  • 06Fraud, data, cyber, governance and evidence

What you receive

  • Configured acquiring blueprint
  • Merchant and transaction journeys
  • Role, scheme and sponsor connector maps
  • Settlement and dispute requirements
  • Evidence and partner-engagement support

What remains yours

  • Your scheme and sponsor relationships
  • Your people and technology
  • Your certification and security
  • Your merchant operations
  • Your settlement and live evidence

Your next useful step

Bring the proposed model.
We will map the pathway.

A focused Stack Fit confirms the likely product, dependencies, open decisions and appropriate scope.