How Internet Credit Card Payment Gateway Works

  1. The online customer finds the merchant's website and adds products to their shopping cart. When they are ready to check out, they enter their billing information. If the merchant does not have a secure page(we typically recommend a secure page here and install it on all our hosted sites), the customer can be transferred to a secure payment gateway. If the merchant does have a secure site, then the information will be "passed" to the payment gateway without the customer ever leaving the merchant's site.

  2. Once the billing information has made it to the payment gateway it is then transmitted to credit card processor (this could be a third party)

  3. The Credit Card Processor will then pass the information from the payment gateway onto the bank that issued the credit card, which will verify that the card is valid and that the amount requested is available on the card. The bank will set aside the purchase amount for the merchant, then send back an approval number or a decline message to the Credit Card Processor.

  4. That information will be passed back to the payment gateway. It will take approximately 3-15 seconds to complete steps 2-5.

  5. The payment gateway will pass the approval code back to the merchant's site or if the merchant does not have a secure site give the customer their approval information. At this point the merchant can also choose to have the payment gateway email the customer a payment receipt (this is the default with Technogenius hosted sites).

  6. Final payment is secured after this point, and is deposited in the merchant's Internet Merchant Account. It typically takes two business days from the time of the original transaction for the funds to reach the merchant's checking account.


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