When you pay online, you think it's simple. In reality, the flow is complex.
- User clicks Pay: Request goes to Gateway (PSP).
- Gateway (PSP): Forwards to Acquirer.
- Acquirer: The Merchant's bank, talks to Card Network.
- Card Network: Routes to Issuer Bank for approval.
Why? Card networks are gated. Only the Acquirer opens the door.
"The Gateway just paves the road. The real action is Acquirer ↔ Network ↔ Issuer."
#FinTech#PaymentFlow#Visa#Mastercard
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