How credit card payments work

Learn about the three basic steps in the credit card processing cycle, made easier with us.

How Simple Checkout works

When customers click your BUY NOW or DONATE button, they are taken to our secure hosted payment form to enter payment information—all PCI DSS compliant.

Three steps in the payment process

Authorization

When customers use their cards to make a purchase, the process of checking that the customer has sufficient funds and authorizing the purchase is called authorization.

Capture

Next, the customer's bank verifies that the funds are available and places a hold on those funds.

Settlement

The process of sending funds from the customer's account to the merchant bank is called settlement. A payment network handles the settlement.