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The issuing bank then communicates the result (approved/declined) and the reason for it back to the payment processor, which will in turn relay it to the merchant and shopper through the payment gateway. If the transaction is approved, then the amount of the transaction is deducted from the card holder’s account and the cardholder is given a receipt. The whole process described so far doesn’t take more than a few seconds, in real time.
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In the last few years, these schemes have also partnered with other issuers and acquirers to ensure issuance and acceptance of their card brand. These schemes could be seen as ‘premium’ card schemes as they tend to have strong cardholder focus and to provide additional privileges for cardholders. Merchants are often charged a relatively high merchant commission rate.
What is a Payment Gateway - 3 Ways To Use a Merchant Account Gateway

1. Real-Time Payments: RTP represents a new phase of evolution within the payments industry, with several key features that differentiate them from current payment methods, specifically speed, value-added messaging capabilities and immediate availability of transaction status. RTP will provide FIs with the functionality/features to innovate and meet customer demand.
Website builders let you build online stores with ease. For larger ecommerce ambitions, we recommend an ecommerce-specific platform like Shopify or BigCommerce which have the best tools to help your business grow. If you’re just looking to sell a few products, you can choose a ‘generic’ website like Wix which has ecommerce functionality. Take a look at our online store builder comparison chart to find your perfect match.
If you don't have a design already in place and think templates are too limited, consider Adobe Muse CC. This unique little program concentrates on letting you design. Templates are handy, embeddable web fonts are great, and the sitemap view may be the best way to get an overall feel for what your site will have. Export it to HTML and you're ready for upload. It's part of the Creative Cloud bundle and also available individually for $14.99 a month with a yearly plan.
You can go with hosted and non-hosted gateways, find ready modules to integrate into your site, or even build your own if you wish to be more creative and integrate payment into a website that differs from off-the-shelf offerings. Some of them charge per transaction and some – a fixed cost on a monthly basis. Some are flexible with the businesses they work with while some have restrictions.
How to setup PayPal Standard on WooCommerce?

Start from scratch or choose from over 500 designer-made templates to make your own website. With the world’s most innovative drag and drop website builder, you can customize or change anything. Make your site come to life with video backgrounds, scroll effects and animation. With the Wix Editor, you can create your own professional website that looks stunning.
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