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C
CashlessTechnologyPayments · Fintech · Future Commerce
Flow simulator · Card networks

Card transaction (online)

Walk through a card-not-present purchase from checkout to settlement.

Step 1 of 60 ms
Cardholder

Initiates checkout

Enters card details (or selects a stored credential / wallet) on the merchant site.

Show all steps
  1. 1. Cardholder · 0 ms
    Initiates checkout

    Enters card details (or selects a stored credential / wallet) on the merchant site.

  2. 2. Merchant / Gateway · + ~120 ms
    Tokenizes and submits authorization

    Gateway tokenizes the PAN and forwards the auth request to the acquirer with risk signals.

  3. 3. Acquirer · + ~60 ms
    Routes through the network

    Acquirer sends the request through the scheme (Visa, Mastercard, etc.) to the issuer.

  4. 4. Issuer · + ~80 ms
    Authorizes / declines

    Issuer evaluates funds, fraud risk, and authentication signals, then returns an auth code or decline.

  5. 5. Merchant · minutes to days
    Captures the transaction

    Captures the authorized amount, usually at fulfillment.

  6. 6. Acquirer & Issuer · 1–2 business days
    Clearing and settlement

    Acquirer submits batch files; scheme nets balances; funds settle in scheme currency, typically T+1/T+2.

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