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Clicking ‘pay’ is central to each sale, ultimately governing a business’ success. Yet many merchants are unaware of how that money makes its way across the ether. Each and every online transaction involves lots of parties working in unison to get the funds from the shopper to the merchant bank account quickly and securely.

Having a deeper understanding of these processes helps businesses refine their operations for a better customer experience, and allows them to step in at the right part of the process if there’s an issue, reducing disruption and costs.

So, what happens after the consumer clicks pay?

Once the consumer clicks pay, they’re taken to a payment page. This then connects to the payment gateway, which creates a payment request and sends it to the acquirer.

The acquirer receives the payment request from the payment gateway, then submits the transaction to the issuer via the card network. The issuer then approves the transaction and sends the acquirer the retail price.

The merchant is then paid by the acquirer minus the cost of the transaction. This fee includes the cards network’s scheme fees, the issuing bank’s interchange fees and the acquirer fees.

The consumer’s account is debited with a retail price. This retail price appears on the statement of the merchant.  

To go further and start optimizing your payment setup, watch our Payment Performance Series videos. Our experts are sharing tips & insights across the payment lifecycle.

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The institutions shown above are involved in the payment process. Your bank, the technical gateway, the acquirer, the various payment systems, etc.

In traditional models, you would sign a contract with each party, perform direct integration with multiple payment methods and - as a result - handle multiple reporting formats, manage multiple payment terms in your accounting cycles, not to mention reach multiple contacts when you have a problem.

With Ingenico's full service offering, we simplify your life by providing you with an all-in-one payment solution for all your needs - and one point of contact to help you grow your business.

*Full Service payment capabilities

In traditional models, you would sign a contract with each party, do a direct integration with multiple payment methods and – as a consequence – have multiple reporting formats to deal with, multiple payment terms to manage in your accounting cycles and multiple contacts to reach out to when you have a problem.

With Ingenico’s offer, we simplify your life by offering one single solution to accommodate all your needs – and one contact person to help you grow your business.

Ingenico Premium includes the 14 essential payment methods to ensure you offer customers their preferred local payment method. Streamlined, all-in-one integration. You’ll also get instant access to more than 150 alternative payment methods via your gateway integration, e.g. American Express, PayPal, P24, Gift cards.

As a payment partner, Ingenico will support you the whole way

With decades of experience and a range of experts specialising in each field, Ingenico is perfectly placed to be the right partner for you. As frontline innovators, we are on the cutting edge of the latest payment technology and can help answer any queries you have regarding your business operations and how a bespoke payments plan could benefit your company. For more information, please get in touch.

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