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Learn all about how a credit card is processed behind the scenes. A typical credit card transaction goes through the following steps:

A customer decides to purchase a product on your ecommerce website using your merchant account provider. They submit their personal credit card information.

The payment gateway security will pick up the credit card information and begin to route it to your merchant account processor.

Your merchant account will receive this information and contact your credit card provider (Visa, Mastercard etc.)

The credit card provider will then route the information to the bank that issued the credit card.

The bank will check to make sure that the customer has the appropriate funds in their account and then send an approval or denial back to the Merchant Account processor.

The Merchant Account will send the approval or denial to the Payment Gateway.

The payment gateway does two things. It stores the transaction securely on its server and it will also send an approval or denial back to the website.