- Introduction to Payments
- Standard Payment Processing
- Card Present Connect | Retail Processing
- Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
- Card Present Connect | Mass Transit Processing
- Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
- Airline Data Processing
- Japanese Payment Options Processing
- Processing Payments Using Credentials
- Using Stored Customer Credentials During a CIT
- Merchant-Initiated Delayed Transaction with PAN
- Merchant-Initiated Incremental Transaction with PAN
- Merchant-Initiated No-Show Transactions with PAN
- Merchant-Initiated Reauthorization Transactions with PAN
- Merchant-Initiated Resubmission Transaction with PAN
- Installment Payments
- Recurring Payments
- Merchant-Initiated Recurring Payments with PAN
- Token Management Service Processing
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REST API | Visa Platform Connect
Authorization Workflow
This image and description show the authorization workflow:
- The customer purchases goods or service from the merchant using a payment card.
- The merchant sends an authorization request tothe acquiring (merchant) bank.
- The acquiring (merchant) bankforwards the authorization request to the payment network.
- The payment network forwards the authorization request to the issuer (customer) bank.
- If funds are available, the issuer (customer) bank reserves the amount of the authorization request and returns an authorization approval to the payment network. If the issuer (customer) bank denies the request, it returns an authorization denial.
- The payment network forwards the message tothe acquiring (merchant) bank.
- The acquiring (merchant) bankforwards the message to the merchant.