When a customer places an order from an online store, the payment gateway performs several tasks to finalize the transaction:
The web browser encrypts the data to be sent between it and the vendor's web server. The gateway then sends the transaction data to the payment processor utilized by the vendor's acquiring bank.
The payment processor sends the transaction data to a card association. The credit card's issuing bank views the authorization request and "approves" or "denies."
The processor then forwards an authorization pertaining to the merchant and consumer to the payment gateway. Once the gateway obtains this response, it transmits it to the website/interface to process the payment. Here, it is interpreted and an appropriate response is generated. This seemingly complicated and lengthy process typically takes only a few seconds at most. At this point, the merchant fills the order
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