Follow a step-by-step guide on how an online card payment works.#
Credit cards have global coverage and are one of the most popular ways to pay online. There are different types of cards and several steps in the process. Learn how it works, the parties involved, and the stages of a payment process behind the scenes.To keep in mind!#
Due to our risk policies, the available payment methods and the integration type may vary once you complete the affiliation. We will tell you how to proceed if this process applies to your merchant.
Steps of the Payment Process#
A payment process usually consists of 4 stages: Data verification, authentication, authorization, and capture1. Data Verification#
At this stage, the card details are verified to be correct (for example, that the expiration date is not expired, or that the number obeys the luhn's algorithm). In this step, it can not be yet warranted that the card is valid.2. Authentication (optional)#
In some instances, depending on the country's regulations, bank requirements, or by choice of the merchant, the customer may be required to authenticate a purchase by entering a password. This may be a one-time authentication (via SMS, email, or a physical device that generates passwords) or another mechanism agreed with the card-issuing entity.3. Authorization#
At this stage, the bank (or the card issuer) checks whether there are sufficient funds for the account associated with the card. If so, retains that amount in the customer account to guarantee it to the merchant.4. Capture#
This is when money is moved from the issuing bank (or financial entity) to the merchant's accountUsing the API#
To use the API you must ask for your Kushki Sandbox, composed of a Public-Merchant-Id and a Private-Merchant-Id.The current version of the Kushki API rests at: https://api.kushkipagos.com/
The testing version rests at: https://api-uat.kushkipagos.com/
Modified at 2026-07-01 15:31:45
