التكنولوجيا

ما الفرق بين ماستركارد (Mastercard) و بطاقة ائتمان (Credit Card)

عالم الانترنت

ما الفرق بين "ماستركارد" (Mastercard) و"بطاقة ائتمان" (Credit Card)؟

بطاقة ائتمان (Credit Card)

نوع من البطاقات البنكية يتيح لك الشراء الآن والدفع لاحقًا. هي "طريقة دفع" تعتمد على الاقتراض من البنك.

ماستركارد (Mastercard)

هي شبكة مدفوعات عالمية تُستخدم لتشغيل ومعالجة معاملات الدفع. ليست نوع بطاقة، بل "مزود خدمة الدفع".

🔍 توضيح أوضح:

بطاقة الائتمان: تصدر من بنك أو جهة مالية (مثل الراجحي، البنك الأهلي، Chase، إلخ).

ماستركارد: ليست بنكًا، بل هي شركة تقنية مالية تدير نظام الدفع.
هي المسؤولة عن تمرير عملية الدفع بين البنك والتاجر.

ماذا عن البطاقات الأخرى مثل "بطاقة خصم" أو "مدى"؟

النوع	هل هي ائتمان؟	شبكة الدفع
بطاقة ائتمان (Credit Card)	✅ نعم	Visa أو Mastercard أو Amex
بطاقة خصم (Debit Card)	❌ لا (تسحب من حسابك مباشرة)	مدى (في السعودية) أو Visa أو Mastercard
بطاقة مسبقة الدفع	❌ لا (تُشحن مسبقًا)	Visa أو Mastercard

✅ الخلاصة:

"بطاقة ائتمان" = نوع البطاقة (تمنحك خط ائتمان)
"ماستركارد" = شبكة الدفع التي تُستخدم لتنفيذ المعاملات

🔸 إذن، يمكن أن تكون:

"بطاقة ائتمان من نوع ماستركارد"
أو "بطاقة خصم من نوع ماستركارد"

التكنولوجيا الربح الحر

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