3. Glossary of Terms

The terms used in this document are listed and defined in the table below.

Terms	Description
Merchant	Any business who sells goods or services and accepts payments from customers.
Customers	Those who want to buy goods and services from merchants
HPP	Hosted Payment Pages
PSP	Payment Service Provider
ACQ	Acquirer
APM	Alternate Payment Method
CPD	CellPoint Digital
FX	Foreign Exchange Service
MSISDN	Mobile Station International Subscriber Directory Number
MAC	Message Authentication Code
POP	Payment Orchestration Platform
CRM	Client Relationship Management
Min	Minimum
Max	Maximum
DCC	Dynamic Currency Conversion
MCP	Multiple Currency Conversion
PCC	Presentment Currency Conversion
txn	Transaction
CRM	Customer Relationship Management