Internet Credit Card Processing

Gazungle specializes in setting up your Internet business with the ability to accept and process credit card payments from almost anywhere in the world. As your total e-commerce package, we have put together some of the best and most secure payment solutions on the market today, enabling your business to succeed in the ever changing world of the Internet.

How Does a Merchant Account & Payment Gateway Work?

1. A customer places an order from your online store. Their credit card information then gets sent to the payment gateway (Authorize.net).

2. Your Payment Gateway (Authorize.net) checks that the information it received is enough to continue the transaction. It will determine the customer's credit card company (VISA, MasterCard, AMEX...) and send a request to approve the funds.

3. The customer's credit card company (VISA, MasterCard, AMEX...) validates the card and the account. If the transaction is approved, the credit card company will send back an approved message through the payment gateway (Authorize.net), if it is declined they will send back and error message as to why it was declined.

4. Your payment gateway (Authorize.net) will then send back that message to your shopping cart program to display to the customer and complete the transaction. Then the credit card company (VISA, MasterCard, AMEX...) will initiate a transfer for those funds to the merchant account bank (United Bank Card).

5. The Merchant Account Bank (United Bank Card) will then deposit the funds, minus any transaction fees, into the merchant's (You) bank account that it has on record. Funds usually deposit within 2-3 days from the day of the sale.