eCommerce Payment Gateway

How It Works

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7 Steps of the Credit Card Process

Step 1: Customer submits their credit card for payment


Step 2: Authorize.net manages the complex routing of the data on behalf of the merchant through the following steps;


Step 3: Authorize.net passes the secure transaction information via a secure connection to the Processor.

The Merchant Bank's Processor submits the transaction to the credit card network (like Visa or MasterCard). 


The credit card network routes the transaction to the bank that issued the credit card to the customer.


Step 4: The issuing bank approves or declines the transaction based on the customer's available funds and passes the transaction results back to the credit card network.


The credit card network relays the transaction results to the merchant bank's processor. The processor relays the transaction results to Authorize.net


Step 5: Authorize.net stores the transaction results and sends them to the website for the customer and merchant to see.


Step 6: The merchant delivers services or goods to the buyer.


Step 7: The issuing bank sends the appropriate funds for the transaction to the credit card network, which passes the funds to the merchant's bank.


The bank then deposits the funds into the merchant's bank account. This is called 'settlement', and typically the transaction funds are deposited into the merchant's primary bank account within two to four business days.

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Taking Credit Cards On Your Website

Integrating your website to a payment processing network is an easy process when processing with Epic. Simplicity is our goal in getting you set up to accept credit cards over your website. It is browser based so there is no software to install or maintain. All you need is a shopping cart. We provide the API log in and Transaction Key and you're good to go. 

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Merchant Portal

We will provide the tools to bring efficiency to your ecommerce payment gateway. 


You will set up with a merchant portal to manage your ecommerce website transactions, configure your account settings, view account statements, generate reports and more. 


Bringing Efficiency To Your Business