Card acceptance is the capability of a merchant, government body or other business to take payment by card. To accept cards, a business needs an agreement with an acquirer or a payment facilitator, a way of capturing card details, such as a payment terminal, mobile point-of-sale device or online checkout, and a connection to the card networks through a processor or gateway. In return it agrees to follow scheme rules on matters such as displaying brands, not discriminating between cards of the same network, security of card data and handling refunds and disputes. The physical and technical layer is often called the card acceptance infrastructure. Merchants weigh acceptance against its cost, which includes interchange, scheme fees, acquirer margins and equipment, summarised as the cost of acceptance. Wider acceptance, particularly among small merchants, is a policy goal in many countries seeking to reduce cash use.