Gateway Software
Internet Payment Diagram
When the customer inputs the credit card information into the shopping cart on your web site, the networks authorize and subsequently reserve the funds equal to the purchase price. At the time of this authorization, no funds exchange hands.
Authorization
- Transaction passes from Merchant’s Website or Telesales to Payment Gateway
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- Transaction transmitted to Acquiring Bank’s Processor for processing
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- Acquiring Bank’s Processor passes the transaction to the Credit Card Interchange System (Visa/MC)
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- Credit Card Interchange System queries appropriate Card Issuer database.
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- Card Issuer approves or declines transaction, places hold on funds, and passes result/authorization code back through Credit Card Interchange System
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- Credit Card Interchange System relays transaction result to Acquiring Bank’s Processor.
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- Acquiring Bank’s Processor relays transaction result to Authorize.Net servers.
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- Authorize.Net servers store results and transmit to Merchant’s Website.
Later that day,
Or when the merchant specifies it, the funds are transferred and the transaction is settled.
- Payment Gateway transmits transactions to the Acquiring Bank’s processor
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- The Acquiring Bank’s processor passes the transactions to the Credit Card Interchange system.
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- The Credit Card Interchange system routes to the appropriate Card Issuer database.
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- The Card Issuer verifies transactions, passes results through Credit Card Interchange system, and passes funds to the Interchange system.
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- The Interchange system relays transaction process results to the Acquiring Bank’s processor, and passes funds to the Acquiring Bank.
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- The Acquiring Bank passes remaining funds to the Merchant’s bank account.
- The Acquiring Bank’s processor passes transaction results to the Merchant.
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Experience the Difference of a Gateway for Retail
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Since 1998 the USA ePay team has been making it possible for businesses to accept credit cards easily, safely and securely. Now more than ever we stand behind our products.The ransaction speedis only one of the many benefits that retail merchants experience when using the Retail ePay protocol. Since all the retail transactions are passed through the USA ePay payment gateway, merchants are able to view detailed reports, as well as graphs and charts of all transactions for the life of the account.Discover USA ePay
Authorize.net Trusted by 158,000 Merchants
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Dykema Enterprises has chosen to work with Authorize.net, a leading provider of these services since 1996. We have chosen this payment gateway service for many reasons, not the least of which is their outstanding reputation in the industry. Representing over 158,000 merchants, Authorize.net is trusted with reliably handling millions of secure transactions.Discover Authorize.net.
Magtek Mini USB Swipe Reader
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The USB (Universal Serial Bus) Swipe Reader is a compact magnetic stripe card reader, which conforms to ISO standards. The Reader is compatible with the PC series of personal computers or any device with a USB interface. A card is read by sliding it, stripe down and facing the LED side, through the slot either forward or backward. A LED (Light Emitting Diode) indicator on the Reader panel provides the operator with continuous status of the Reader operations.Discover Magtek Mini USB Swipe Reader.
See also:
Point Of Sale Credit Card Machines »
Pin Pads »
Printers »
Authorize.net Credit Card Processing Gateway »
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