[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:how-a-card-payment-works":3},{"id":4,"title":5,"answer":6,"body":7,"category":67,"description":68,"extension":69,"meta":70,"modifiedAt":71,"navigation":72,"pairId":73,"path":74,"publishedAt":75,"question":76,"relatedPath":77,"seo":78,"seoTitle":79,"sitemap":80,"slug":81,"stem":82,"translationSlug":83,"__hash__":84},"questions_en\u002Fen\u002Fquestions\u002Fhow-a-card-payment-works.md","How A Card Payment Works","Several stages sit between the button and money on the account: card checks, buyer confirmation, authorisation of the amount, capture and settlement between banks. For the buyer it is seconds; for the merchant it is a chain where every link can fail.",{"type":8,"value":9,"toc":61},"minimark",[10,13,18,37,41,52],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"the-path-of-a-payment","The path of a payment",[19,20,21,25,28,31,34],"ul",{},[22,23,24],"li",{},"The buyer enters the details on the provider secure page.",[22,26,27],{},"The operation passes anti-fraud and 3-D Secure confirmation at the buyer bank.",[22,29,30],{},"The bank reserves the amount on the card — that is authorisation, not yet a charge.",[22,32,33],{},"The capture is confirmed and the store receives a status notification.",[22,35,36],{},"Settlement between banks completes and the money goes to the merchant.",[14,38,40],{"id":39},"where-it-usually-breaks","Where it usually breaks",[19,42,43,46,49],{},[22,44,45],{},"At confirmation: the buyer never got or never entered the bank code.",[22,47,48],{},"At anti-fraud: the operation looks unusual for the card or for the merchant.",[22,50,51],{},"On the store side: the notification never arrived and the order stayed unpaid in the system.",[11,53,54,55,60],{},"Why a bank declines a payment with money on the card is covered ",[56,57,59],"a",{"href":58},"\u002Fen\u002Fquestions\u002Fwhy-a-bank-declines-a-payment","separately",".",{"title":62,"searchDepth":63,"depth":63,"links":64},"",2,[65,66],{"id":16,"depth":63,"text":17},{"id":39,"depth":63,"text":40},"basics","Several stages sit between the button and money on the account. The path of a payment, what happens at each step and where it most often breaks.","md",{},null,true,"question-46","\u002Fen\u002Fquestions\u002Fhow-a-card-payment-works","2026-08-17","What happens between the Pay button and the money arriving?","\u002Fen\u002Fcard-payments",{"description":68},"How a card payment works on a website",{"loc":74},"how-a-card-payment-works","en\u002Fquestions\u002Fhow-a-card-payment-works","kak-prohodit-oplata-kartoy-na-sayte","5r3sJGD1znfzT-hVH2Mrnp521nMK0L5fW0HU2bELeVI"]