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SpinDistribute.com Article Directory

The following article was published in our article directory on February 4, 2011.
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Credit Card Processing Online: How E-Commerce Payments Work

Article Category: Business

Author Name: Michael Cordova

Most people may probably have heard of the word e-commerce. This is actually doing business transactions, purchasing products and services online. The world is definitely made smaller by the fact that one can make these purchases anytime of the day and no matter where one is in the world. Since there is no physical transaction taking place, the customer and the business owner must transact through online payment systems like checks, payment gateways and credit cards. This is why you need to have an understanding of what online credit card processing is all about.

It is very important to comprehend this process because some customers might think that the delay in their payment processing is because of the merchant. This is not always true. There are many channels that you have to go through in this online credit card processing that you have to be aware of. You also have to know every aspect of this online transaction to better comprehend the ins and outs of the world of e-commerce.

Both the merchant and the customer will gain a lot from knowing how the processing of the payments work. Ordinarily, if you go to a traditional store, the merchant will swipe your credit card through a terminal. The amount of your payment and credit card details will then be acquired by the acquiring bank of the merchant and the bank will send back the details. A confirmation of sufficient funds will be sent and the amount of the purchase will be deposited to the merchant's account. That is how it works if you physically went to a store. The difference with online is that the amount is facilitated through a payment gateway. Here are the complete credit card processing details:

The merchant should ensure that he has both a payment gateway account as well as merchant account. Payment details and links should also be provided through the website.

The customer can now choose among the available products and place their orders through the merchant's website. The customer can now make a payment by using their credit card. The customer must type in and submit the name of the cardholder, credit card numbers and other information that the merchant may require.

Once the credit card details have been submitted, the payment gateway will then get this information and have it sent to the merchant's acquiring bank. This bank will then give the details to the lending company that holds the customer's credit card to verify if there is sufficient balance in this card and if the transaction is allowable.

The approval of this transaction will be processed, and sent through the payment gateway. Once this transaction is approved, the amount of the purchase may now be deposited to the merchant's bank.

Confirmation that this transaction has been approved and processed will be received by the merchant and the customer.

Now that you know how online credit card processing works, you will have more patience in transacting online. Understanding the procedures that takes place will definitely help you make the most out of your e-commerce experience.

Keywords: credit card,credit card processing,merchant account,credit card processor,no credit check,payment processing,payment plan,in-house financing,check payment,increase sales,retail point of sales,high risk merchant services,pos terminals,payment processing companies,marketing and sales strategies

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