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An Acquirer (or acquiring bank) is typically a federally insured financial institution responsible for connecting merchants to Visa and Mastercard authorization and settlement systems. They are a key entity that signs merchant agreements.
To sell bankcard services and process transactions, a merchant must have a signed agreement directly with an Acquirer or an Acquirer-sponsored ISO (Independent Sales Organization).
BIN stands for Bank Identification Number. It's a unique numerical code assigned to each federally insured financial institution.
BINs are used primarily for the routing of transactions and for other identification purposes within the financial system. ISOs use the BINs of their acquiring or merchant banks when onboarding merchants.