🏦 Finance & Banking · Sequence
Card Payment Authorisation
What happens in the second after a card is tapped or entered online: the acquirer, card network and issuing bank authorise the payment, with 3-D Secure for online payments.
Drawing diagram…
What this diagram shows
- The merchant's bank (acquirer) forwards the request to the card network
- The customer's bank (issuer) approves or declines
- Online payments add a 3-D Secure OTP step
Prompt used
Card authorisation sequence: the customer pays on a merchant site, the payment gateway sends the request to the acquiring bank, which forwards it through the card network (Visa/Mastercard/RuPay) to the issuing bank. For online payments the issuer runs 3-D Secure and the customer enters an OTP. The issuer checks balance and fraud rules, approves with an auth code, and the response returns along the same path; settlement happens later in a daily batch.
Mermaid code
sequenceDiagram actor C as Customer participant M as Merchant Checkout participant PG as Payment Gateway participant Acq as Acquiring Bank participant N as Card Network participant Iss as Issuing Bank C->>M: Pay Rs 3,200 by card M->>PG: Payment request PG->>Acq: Authorisation request Acq->>N: Route by card BIN N->>Iss: Authorise Iss->>C: 3-D Secure OTP C-->>Iss: Enter OTP Iss->>Iss: Check balance and fraud rules Iss-->>N: Approved, auth code N-->>Acq: Approved Acq-->>PG: Approved PG-->>M: Payment successful Note over Acq,Iss: Settlement in daily batch
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