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.

Customer stories


Learn how businesses benefit from Authorize.net.

Dollar for Portland

Dollar For Portland makes subscriptions easy with Account Updater.

Prism Kites

Prism Kites grew their business online by accepting payments with Authorize.net.

Amy's Gourmet Apples

Discover how Amy's Gourmet Apples reaches more customers online.