In online business today, accepting credit cards is a must. Consumers enjoy both the convenience and the security of buying with a credit card 24 hours, 365 days. Doing business by Phone, Mail Order or Computer have never been easier then today. The Internet Gateway is a secured interface for business to complete real-time transaction processi

ng. Merchants can either manually key-in the customer's purchase at our website Virtual Terminal or have a Business Shopping Cart website that will connect to the payment gateway to get a real-time credit card card authorization. Using the Internet Gateway is a cheaper alternative and cost less then using phone authorization and is the best option for "Card Not Present" transactions. Deposits are made to your bank account within 48 hours.  Preview a Virtual Terminal Demo and Ecommerce Integration Methods.

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Step 1: You, as the Merchant submits a credit card transaction to the Authorize.Net Payment Gateway on behalf of a customer via secure connection from a Web site or free shopping cart provided by www.OSCommerce.org or from a MOTO center or by using a wireless device.

Step 2: Authorize.Net receives the secure transaction information and passes it via a secure connection to us, as your Merchant Bank's Processor.

Step 3: We will then submit the transaction to the Credit Card Interchange (a network of financial entities that communicate to manage the processing, clearing, and settlement of credit card transactions).

Step 4: The Credit Card Interchange routes the transaction to the customer’s Credit Card Issuer.

Step 5: The Credit Card Issuer approves or declines the transaction based on the customer’s available funds and passes the transaction results, and if approved, the appropriate funds, back through the Credit Card Interchange.

Step 6: The Credit Card Interchange relays the transaction results to us.

Step 7: We relay the transaction results to Authorize.Net.

Step 8: Authorize.Net stores the transaction results and sends them to the customer and/or the merchant. This communication process averages three seconds or less!

Step 9: The Credit Card Interchange passes the appropriate funds for the transaction to your bank, which then deposits funds into your bank account directly.