[thelist] Payment Processing (con't)

Joshua Olson joshua at waetech.com
Thu Jun 23 11:35:01 CDT 2005

Hi List,


When processing payments online, there are a lot of players and
communications involved... the merchant account, the gateway, ACH,
authorizations, AVS, etc.  The actual movement of money and "who contact
who" can be very convoluted and complicated when you get into the
nitty-gritty of payment processing.  I recall seeing at some point a very
decent flowchart outlining the whole behind-the-scenes process.  I can't
recall where I saw it, but it was a head-spinner, I assure you.


When explaining this to the typical client, would it be a disservice to them
to simplify the process--explain it in terms of the "gateway connects to
merchant account connects to final bank account" in regards to the movement
of money?  Does the typical client care about the inner workings, or are
they only interested in services for which they pay for out of pocket?

Joshua L. Olson
WAE Tech Inc.
Phone: 706.210.0168 
Fax: 413.812.4864

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