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How does the payment gateway work?


When a customer puts what they want into their cart, they go to the checkout - that's where the checkout process begins. While the entire payment process only takes a few seconds, what happens in the background looks rather complicated:

01 Checkout

During checkout, the payment gateway generates a new order in the system. Customers will be required to fill in full credit card payment data. Once the system obtains the data, subscription payment gateway,the payment gateway will encrypt and store the data strictly in accordance with the security rules of pCIDSS, and send the data to the merchant's receiving bank.

02 From acquirer to processing center

The encrypted data collected will be transmitted to the payment network operated by the bank and then to the processing center.

03 Transaction successful or rejected

At this stage of development, the processing technology center authorizes payment methods and establishes social connections with the corresponding card issuers to ensure payment accuracy. The payment gateway will receive a response regarding the success or rejection of the business marketplace.

04 Successful transaction

When the card issuer approves the transaction, the payment gateway obtains the final result of the transaction and transmits the result to the merchant's website to notify the customer whether the transaction was completed or declined, as the case may be.

05 The payment security gateway feeds back the transaction data results to the merchant

06 payment and settlement

The payment gateway settles the payment to the merchant.