National Credit Card Center of R.O.C

Credit Card Authorization Switching Center Operation

In response to the request from the Ministry of Finance for integrating and establishing a domestic authorization network for credit cards, NCCC and Financial Information Service Co. (FISC) jointly completed the system link in 2002 and established the “central of credit card authorization link.” All the domestic credit card issuing and acquiring institutions may discretionarily choose to link with either NCCC or FISC to switch and complete the transactions through the core authorization link. By doing so, we have achieved the competent authorities' policy goal of "Taiwan-issued international credit cards complete transaction authorization processing domestically when used in Taiwan." Meanwhile, for the transactions made outside of Taiwan by NCCC member-issued credit cards and the transactions made inside of Taiwan by foreign-issued credit cards acquired by NCCC members, NCCC acts on behalf of members to switch the authorization messages through connecting with the interface of the International credit card associations.

《Business Scope》 Authorization transactions switched by the Center include:
1. To handle inter-bank credit card authorization switching transactions, made with physical cards and mobile payment methods, for Taiwan-issued credit cards (including credit cards and debit cards) that are used at domestic merchants (including brick-and-mortar, e-commerce, mail order, and other channels).
2. To process cross-border authorization transactions, made with physical cards and mobile payment methods, at merchants in foreign countries by Taiwan-issued credit cards, as well as transactions made at merchants in Taiwan by foreign-issued credit cards.

《Operating Results》
Number of Transactions: In 2025, NCCC processed 2,337,634 thousand authorization switching transactions, representing an annual growth of 10.43% as compared to 2,116,787 thousand in 2024. In recent years, technologies of the payment card industry have recorded booming development, which is beneficial for consumers to use payment cards for transactions, due to the increasing use of cashless payment and the continuous increase in the small-ticket payment field. The number of authorization transactions has witnessed steady growth, as shown in the figure below:

Domestic Credit Card Interchange & Settlement

After obtaining approval from the competent authorities, NCCC engages in processing domestic credit card interchange and settlement operations. NCCC handles the non-on-us transactions accepted by all acquiring institutions, consolidates and generates the settlement sum, and processes settlement funds, collecting and sending through the “Central Bank of the Republic of China (Taiwan) Interbank Funds Transfer System.” The business aims and objectives are as follows:

1. To develop domestic credit card interchange and settlement operating regulations in accordance with the policies.
2. To handle the inter-bank settlement of domestic credit card transactions to enhance transaction data security.
3. To complete the settlement in Taiwan for domestic transactions to increase operating efficiency.

《Business Scope》
The scope of domestic interchange and settlement processing includes credit cards and debit cards of Visa, Mastercard, and JCB. The number of participating institutions totaled 39. 

《Operating Results》
1. Transaction Volume: The domestic settlement transaction volume in 2025 totaled NT$1,993.1 billion, representing an annual growth rate of 4.16% as compared to NT$1,913.5 billion in 2024. Please see the details in the figure below:

2. Number of Transactions: The number of domestic settlement transactions was 1,761,520 thousand in 2025, representing an annual growth rate of 11.29% as compared to 1,582,830 thousand in 2024. Please see the details in the figure below:

Domestic and International Transaction Interchange & Settlement for NCCC
Member-issued Credit and Debit Cards

NCCC is established as a member organization. To help members reduce operating costs, NCCC consolidates domestic and international transactions made by holders of NCCC member-issued credit cards and handles settlement operations for the members. Operation effectiveness can be summarized as follows:

1. To coordinate the establishment of a settlement system linking with the international credit card associations and processing transaction settlement for members.
2. To reduce members' operating costs and improve operating efficiency through centralized processing of transaction data.
3. To periodically provide business statistic data for members’ reference in decision-making.

《Business Scope》
The NCCC member-issued cards include credit card and debit card of Visa, Mastercard, and JCB. The number of participating institutions totaled 26.

《Operating Results》
1. Transaction Volume: The settlement transaction volume in 2025 totaled NT$4,848 billion.representing an annual growth rate of 6.50% as compared to NT$4,552.3 billion in 2024.Please see the details in the figure below:

2. Number of Transactions: The number of transactions was 3,857,996 thousand in 2025,representing an annual growth rate of 12.05% as compared to 3,443,057 thousand in 2024.Please see the details in the figure below: