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1. Customer Checkout: The cardholder presents the card as payment for goods or services, either at the point of sale (POS), or via telephone, mail, fax or over the Internet.
2. Electronic Data Capture: An electronic imprint of the card number, expiration date, and counterfeit detection value are captured and passed to Global Payments.
3. Data Routed to Card Issuer: Global Payments submits data to the card issuer for approval.
4. Authorization:The card issuer verifies that the account is in good standing, if funds are available, and/or if there has been unusual or erratic spending activity on the card.
5. Payment Approved: The authorization response is routed through Global Payments and returned to the merchant.
6. Funding: Within 2 or 3 business days of accepting the payment, the issuing bank credits the merchant's Global Payments account with the amount of the transaction.
7. Settlement: Transaction information is moved from your business to the cardholder's financial institution. Global Payments will subtract each month's accumulated discount fees from your deposit account. Settlement charges will also be subtracted.
