How It Works - Credit Card Processing

1. Purchaser places order.
2. Merchant securely transfers order information to CyberSource over the Internet via using a secure, encrypted messaging protocol (SCMP). CyberSource receives order information and performs requested services.
3. CyberSource formats the transaction detail appropriately and securely routes the transaction authorization request through its payment gateway to the processor.
4. The transaction is then routed to the issuing bank (purchaser's bank) to request transaction authorization.
5. The transaction is authorized or declined by the issuing bank or card (Discover, American Express).
6. CyberSource returns the message to the merchant.
7. Issuing bank approves transfer of money to acquiring bank. The acquiring bank, in turn, credits the merchant's account.