When payment will be

processed?

In most cases, card payments are processed in real-time, which means that the transaction is authorized and settled within seconds of the card being used at the point of sale.

Here's an overview of how card payments are processed:

1. The customer initiates a card payment by using their card at the point of sale or entering their card details online.
2. The payment details are encrypted and sent to the payment processor via the payment gateway. The payment gateway works on the merchant acquirer side.
3. The payment processor sends the transaction request to the card network (such as Visa, MasterCard, China UnionPay, Discover, American Express, JCB, or Mir).
4. The card network sends a request to the card issuer to check the customer's account for sufficient funds, verify the transaction details, and send an authorization code back, which will be forwarded back to the payment processor.
5. The payment processor sends the authorization code to the payment gateway, which then communicates it to the point of sale.
6. The point of sale finalizes the transaction, and the customer's account is debited for the amount of the purchase.

Usually, a response to a successful or unsuccessful authorization of a transaction can be received in a matter of seconds. But the actual time it takes to process a card transaction can vary based on several factors, including the speed of the internet connection, time of response from the merchant acquirer, payment processor, card network, and card issuer.