Understanding Electronic Purchase and Payment Flow

The basic steps of an electronic payment transaction between Aptify and a payment gateway like PayPal include the following:

1. The customer places an order with the merchant and provides the order information and payment data.
2. Upon initiating saving the order in Aptify, ePayment requests payment authorization from the payment gateway (PayPal) which routes the request to banks and payment processors. Authorization is a request to charge a cardholder and must be settled before the cardholder's account may be charged. The authorization process ensures that the payment is approved by the issuer, and guarantees that the merchant will be paid.
3. Upon approval, the payment and authorization records are created in Aptify, the merchant confirms the order, and supplies the goods or services to the customer.
4. The ePayment Capture wizard is executed within Aptify. PayPal sends the transaction to the acquirer who then receives the funds from the various credit card banks and transfers them to the merchant's local bank.

The figure below illustrates the steps described in the previous section using PayPal (formerly VeriSign) as the payment gateway.