How Credit Card Processing Works

Merchant Warehouse |

January 1, 2014

How Credit Card Processing Works

As a merchant you've likely wondered what happens from the time you accept your customer's credit card to the time you receive payment. In fact three main processes are involved in the transaction, Authorization, Settlement, and Funding; in an effort to aid our merchants in better understanding how the process works Merchant Warehouse has developed an interactive graphic that walks through the entire process of accepting credit cards.

Additionally we have put together some presentations that look at each process individually. Below is our presentation on Authorization, if you would like to learn more on how credit card processing works please visit our Credit Card Processing page to view the full interactive presentation.