Transaction Process Overview

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A transaction goes through three phases.  The first phase is the delivery of the transaction to Payments Gateway.  The second phase is the authorization of the transaction.  The final phase is the settlement of the authorized transaction.


Specifies the method of delivery including Real-Time, Batch or Scheduled.


The transaction is authorized by the processor.


The final step is settlement. There are subtle differences between EFT and Credit Card Settlement.

Transaction Flow

The workflow below shows how a transaction can move through various stages.

Delivery Authorization Settlement