Dollar for Portland
How credit card payments work
Learn about the three basic steps in the credit card processing cycle, made easier with us.
Questions? Call 1-888-323-4289.
Three steps in the payment process
Authorization
When customers use their cards to make a purchase, the process of checking that the customer has sufficient funds and authorizing the purchase is called authorization.
Capture
Next, the customer's bank verifies that the funds are available and places a hold on those funds.
Settlement
The process of sending funds from the customer's account to the merchant bank is called settlement. A payment network handles the settlement.
Payment processing in three steps
Watch the video to learn about the three steps in the credit card processing cycle.
A partner you can trust
Choosing the right payment platform is one of the most important decisions you’ll make as you build your online business. Fortunately, you are not alone. Authorize.net is standing by to help you navigate your payment processing decision, recommend solutions, and provide you with whatever expertise and answers you need.
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