The following steps are the fundamental procedures of how to make online payment.

• Step 1: A customer presses a “Purchase” button or relevant button, and fills in the necessary fields to pass the transaction data.
• Step 2: The data is encrypted and sent to the Octalas global payment gateway, then passed securely to a global payment processor, which is connected both with a merchant account and a global payment gateway, transferring data back and forth.
• Step 3: The global payment processor passes the transaction to a card network, such as Visa, Mastercard, or American Express.
• Step 4: The role of a card network is to verify the transaction data, and pass it to the issuer bank, which is the bank that produced the cardholder’s credit or debit card.
• Step 5: The issuer bank accepts or denies the authorization request. In response, a bank sends a message back to the global payment processor, which contains the transaction status or error details.
• Step 6: Transaction status is returned to the global payment gateway, then passed to the website.
• Step 7: A customer receives a message with the transaction status (accepted or denied) via a global online payment platform.
• Step 8: The funds are transferred to the merchant account. The transaction is performed by the issuing bank to the acquiring bank.