ICBA Payments, a principal member of Visa and Mastercard for both credit cards and debit cards, is a wholly owned subsidiary of the Independent Community Bankers of America (ICBA). Formerly known as ICBA Bancard, the company has provided payment services to community banks since 1985. The products and services available from ICBA Payments, including account processing, are mostly obtained from third parties. Contracts have been trilateral arrangements in which the community banks are signatories along with ICBA Payments and the third-party provider to the deals for the products and servi...