How Payment Processing Works

This diagram illustrates how real-time, electronic credit card processing works using CyberSource Payment Services.

payment_flow

STEP 1

Purchaser places order.

STEP 2

Merchant securely transfers order information to CyberSource over the Internet. CyberSource receives order information and performs requested services.

STEP 3

CyberSource formats the transaction detail appropriately and securely routes the transaction authorization request through its payment gateway to the processor.

STEP 4

The transaction is then routed to the issuing bank (purchaser's bank) to request transaction authorization.

STEP 5

The transaction is authorized or declined by the issuing bank or card (Discover, American Express).

STEP 6

CyberSource returns the message to the merchant.

STEP 7

Issuing bank approves transfer of money to acquiring bank.

STEP 8

The acquiring bank credits the merchant's account.