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E-Commerce/Online Credit Card Processing

Step 1

The customer adds products to the merchant’s shopping cart. When the customer
checks out, they enter all credit card information, billing information and shipping information at the merchant's website.

Step2

The information is transferred to a secure gateway. If the merchant does not have a secure page, the customer will can be transferred to a secure payment gateway. If the merchant does have a secure site, then the information will be "passed" to the payment gateway without the customer ever leaving the merchant's site.

Step3

The information is transferred from the secure gateway to First Capital Payments for authorization.

Step 4

First Capital Payments transfers the information to the credit card issuer for approval.

Step 5

The credit card issuer verifies to see if the cardholder has sufficient funds available on the card. The Bank then sends back an approval message if there is sufficient fund or a decline message if there are in sufficient funds to First Capital Payments.

Step 6

First Capital Payments sends the approval number or decline message back to the merchant. The merchant then prints a receipt for their records.

Step 7

At the end of the day the merchant settles or batches out their sales. Once the batching processing is initiated the issuing bank transfers the amount to the acquiring bank (merchant's bank).

Call 1 877 506 9746 to speak to a Business Solution Provider and start processing credit card orders online.