How Online Credit Card Processing Really Works - in 9 steps

How Online Credit Card Processing Works



Shopping Cart

1 The Customer makes a purchase



2. They pay using a credit card



Merchant Account

9. The money is deposited to the merchant

7. The approval decision is sent back to the website and merchant.



3. The merchant submits a credit card transition.



Payment Gateway

6. The processor sends the gateway approval/ decline

4. The Payment Gateway sends off the secure transaction to the Processor.

5.

The PRocessor

5A The processor sends transaction to the credit card network

5B cc network sends the transaction to the customer's credit card bank

5D cc network sends results to processor

5C the bank approves or denies transaction



8. the customer's bank sends the money to the cc network which then sends it to the merchant bank.