How Payments Work

Three basic steps, 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.

 

CUSTOMER STORIES

Learn how businesses like yours simplify payments with Authorize.Net.

DOLLAR FOR PORTLAND

Account updater for donations

Dollar For Portland manages subscriptions using Authorize.Net.

PRISM KITES

Growing a business

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

AMY'S GOURMET APPLES

Online payments made easy

Amy's Gourmet Apples reaches more customers by using Authorize.Net.