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.

 

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

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