Category: Credit Card

Credit Card Payment (online)

The model below describes a standard process for Credit Card payments in an online scenario. The process assumes that Capture of the payment happens immediatly after Authorization.

Process steps

  1. The Cardholder (Customer) enters his card details in the payment page presented by the Merchant.
  2. The Merchant sends the payment information to the Payment Gateway.
  3. The Payment Gateway encrypts and converts the payment instruction and sends it to the Payment Processor.
  4. The payment processor resolves the Card Network (Visa, MasterCard, JBC, etc.) and forward the payment instruction to the correct network.
  5. The Card Network resolves the Card Issuer and forward the payment instruction to the Issuer Processor / Issuing Bank.
  6. The Card Issuer validates the transaction including checking if the Cardholder has sufficient funds. If positive, the Customer Card balance is debited.
  7. The Issuer Processor informs the Card Network if the transaction is succesful or not
  8. The Card Network forwards the result to the Payment Processor.
  9. If the result is positive, the Payment Processor informs the Acquiring Bank to credit the Merchant Account.
  10. The Payment Processor informs the Payment Gateway
  11. The Payment Gateway informs the Merchant about the result.
  12. On a positive result, the Merchant informs the Cardholder and fulfils the order. On a negative result the Merchant acts according to their own business process.