Our Process

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1- The gateway captures the transaction request, encrypts the payment information, and routes it to an acquiring bank.

2- The acquiring bank (the organization that provides your merchant account) takes ownership of the transaction request. Its job is to get authorization for the transaction.

3- The issuing bank assesses the request: Does the customer have sufficient credit or funds? The issuing bank generates a response—yes or no—and sends it back to the acquiring bank via the card network .

4- The acquiring bank sends the response back to the payment gateway.

5- The payment gateway’s final job is to present the answer either back to the merchant or to the shopper directly (if your using a hosted payment page): Congratulations, your order was approved!