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When you place an order you will enter your card details which will be captured by the merchant (or their payment gateway if they use a separate provider). They will then send these details along with the transaction details to their merchant bank. The bank will inform the card issuer who will authorise the transaction (or not, as the case may be). The bank will forward the confirmation back to the merchant (via the payment gateway) who will then inform you (typically with an order confirmation email or an order success screen). The process usually takes no more than a second or two.

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13y ago
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13y ago

1. You place an order.

2. The merchant or their payment gateway takes your card details.

3. These are sent to the merchant bank which will notify the card issuer who can authorise the transaction.

4. Confirmation is returned to the merchant or payment gateway.

5. You are notified.

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Q: How are the credit card payments made on internet?
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