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PAYMENT GATEWAY
A gateway refers to the software that transports the credit card information from your customers (either collected on your website or a virtual terminal) to your credit card processor. If you sell online, you will definitely need a gateway, as well as a credit card processor. The gateway is what sits between your shopping cart software and your credit card processor.
Authorize.net is the most widely used gateway, but some processors and resellers have their own gateways that they offer, sometimes at below-market pricing. These captive gateways can be acceptable for most businesses. However, there can be challenges down the road when you want to switch processors.
Step Diagram
STEP 1
The customer submits his/her credit card for payment.
STEP 2
Authorize.Net manages the complex routing of the data on behalf of the merchant through the following steps/entities.
STEP 3
Authorize.Net passes the secure transaction information via a secure connection to the Processor.

The Merchant Bank's Processor submits the transaction to the credit card network (like Visa or MasterCard). The credit card network routes the transaction to the bank that issued the credit card to the customer.
STEP 4
The issuing bank approves or declines the transaction based on the customer's available funds and passes the transaction results back to the credit card network.

The credit card network relays the transaction results to the merchant bank's processor. The processor relays the transaction results to Authorize.Net.
STEP 5
Authorize.Net stores the transaction results and sends them to the website for the customer and merchant to see.
STEP 6
The merchant delivers goods or services to the buyer.
STEP 7
The issuing bank sends the appropriate funds for the transaction to the credit card network, which passes the funds to the merchant's bank.

The bank then deposits the funds into the merchant's bank account. This is called 'settlement', and typically the transaction funds are deposited into the merchant's primary bank account within two to four business days.
BankCardUSA
WHY CHOOSE BANKCARD USA?
SAME DAY APPROVAL
Take advantage of BankCard USA’s 5 minute online merchant account application. Upon approval, start processing credit cards by the next business day.
LOW RATE GUARANTEE
BankCard USA offers the lowest processing rate in the industry at 0.23%. BankCard USA will provide you with the lowest credit card processing rate of any verified provider or pay you $1,000.
NEXT DAY DEPOSIT
BankCard USA’s next day deposit option helps improve your cash flow. We offer faster funds than the competitors. Your funds are deposited in your bank account next business day.
BankCardUSA
BankCardUSA
BANKCARD USA
Merchant Services Since 1993
28720 Roadside Dr. Suite 299|Agoura Hills, CA 91301|Tel: 800.589.8200|Fax: 818.540.3712|Email: info@bankcardusa.com
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BankCard USA is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA and Esquire Bank, Garden City, N.Y. American Express may require separate approval.
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