Before the customer’s payment is transferred to your merchant account, it goes through several steps of processing. First of all, the customer’s card data entered at the checkout is sent to the payment gateway. The payment gateway checks with the card issuing bank whether the credit/debit card is valid; then, the card issuer authorizes the payment, and the customer receives a notification that the order is created.
Here you can find additional resources that may help you in the process and tell you more about payment processing.
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