- Card Payments Scheme

Payment scheme

Card Payments Scheme

Buyer — having placed an order buyer selects method of payment with Visa/MasterCard payment card.


Merchant redirects buyer to the secure payment page of processing center

 — buyer enters payment card’s data required for payment on the secure payment page. Payment data is accessible only for the processing center, which checks compliance of data received from online shop and information about generated request with established requirements and system constraints and then sends authorization request to acquiring bank.

Acquiring bank — sends authorization request to the corresponding payment system.

 Payment system  sends authorization request to the bank that issued buyer’s payment card (issuing bank).
Issuing bank — in case there is enough money on payment card, issuing bank authorizes request (payment).