Payment Flow Builder
Visualise and explore standard payment flows — authorization, 3D Secure, refunds, and disputes — with step-by-step participant descriptions.
Animated sequence view
In-store chip or contactless payment — from card tap through online authorization, clearing, and final settlement of funds to the merchant.
Card Presented
Cardholder taps, inserts, or swipes the card at the terminal.
The terminal runs the EMV kernel — application selection, GPO, read records, offline data authentication, and cardholder verification (CVM). Contactless completes in a few hundred milliseconds.
Standard card-present or card-not-present authorization flow from cardholder to issuer.
Presents card or enters credentials.
Reads card data, constructs auth request.
Routes request via card network.
Visa / Mastercard switch.
Checks balance, fraud rules, velocity.
Auth code returned; cardholder proceeds.
Decline code returned; cardholder informed.