It is typical that the same bank will act as both the Issuer and Acquirer, so situations will arise when the bank's Issuer Customers will pay at its Merchant Customers' POI's. This situation is referred to as Us-on-Us ("our cards used on our devices"), as opposed to Us-on-Them ("our cards used on other bank's devices") and Them-on-Us ("other bank's cards used on our devices"), and allows the bank to close the clearing cycle without exchanging any messages with the Payment Scheme's network.

SmartVista is fully equipped for complete Us-on-Us processing, where authorisation and financial messages go straight from the Acquirer to the Issuer side of the solution. All other messages between the bank and the Card Scheme will be sent and received through the Off-Line Network Interface in the usual way. Obviously, this processing method will first have to be approved by the Card Scheme whose card transactions are going to be cleared this way, unless the SmartVista is used as a processing centre solution for a private or local card scheme.