How Credit Card Payments Work
Three basic steps in the credit card processing cycle, made easier with us.
Three steps in the payments 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.

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