The process begins when a customer decides to purchase a product or service on a merchant's website or app.
The payment gateway encrypts the transaction details to ensure that the information passes securely between the customer and the merchant.
The encrypted data is sent to the payment processor, which then forwards the transaction to the respective card association (e.g., Visa, MasterCard).
The card association routes the transaction to the customer's issuing bank for approval.
The issuing bank approves or declines the transaction and sends the response back through the same channels to the payment gateway.
The payment gateway conveys the response to the merchant, and if approved, the transaction is completed.
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