8/20/2019 Flow Chart of CC Request

1/1

-Merchant Acquirer-

Cybersource

-Payment Processor-

Global Payments

-Banks-

 AMXVISA

M/C

Discover 

1.) Merchant requests authorization

of customer credit card

2.) Cybersource receives request for

funds – passes request to Payment

Processor 

3.) Global Payments processes

request and requisitions funds from

Bank

4.) Banks process transfer of funds,

either directly to the Merchant whoinitiated the request directly, or

passed through Cybersource then

on to the requesting Merchant.