{"id":4429,"date":"2026-07-31T11:38:50","date_gmt":"2026-07-31T06:08:50","guid":{"rendered":"https:\/\/cashfree.com\/blog\/?p=4429"},"modified":"2026-07-31T11:38:55","modified_gmt":"2026-07-31T06:08:55","slug":"credit-card-processing-system","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/","title":{"rendered":"How Credit Card Processing System Works: A Beginner&#8217;s Guide"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #005c31;color:#005c31\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #005c31;color:#005c31\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#What_is_a_Credit_Card_Processing_System\" >What is a Credit Card Processing System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#StakeholdersPlayers_in_Credit_Card_Processing_System\" >Stakeholders\/Players in Credit Card Processing System<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#Benefits_of_Using_a_Payment_Gateway\" >Benefits of Using a Payment Gateway<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#Factors_Affecting_Credit_Card_Processing\" >Factors Affecting Credit Card Processing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#How_Credit_Card_Processing_Works_Step-by-Step\" >How Credit Card Processing Works: Step-by-Step<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#Transaction_Fees_in_Credit_Card_Processing\" >Transaction Fees in Credit Card Processing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#How_to_Choose_a_Payment_Gateway_for_Credit_Card_Processing\" >How to Choose a Payment Gateway for Credit Card Processing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Every time a customer pays with a credit card, several systems work together behind the scenes to authorize, verify, and settle the payment, often within a few seconds. While the process may seem complex, understanding how credit card processing works can help businesses choose the right payment solution and deliver a smoother checkout experience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this guide, we&#8217;ll explain how a credit card processing system works, the key stakeholders involved, the payment flow, transaction fees, and what to consider when choosing a payment gateway.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_Credit_Card_Processing_System\"><\/span>What is a Credit Card Processing System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A credit card processing system is the technology and financial infrastructure that enables businesses to securely accept credit card payments online or in-store.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When a customer makes a payment using a credit card, multiple parties including the <a href=\"https:\/\/www.cashfree.com\/payment-gateway-india\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">payment gateway<\/mark><\/a>, payment processor, card network, and banks &#8211; work together to verify the transaction, authorize the payment, and transfer funds to the merchant&#8217;s account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, credit card processing has become an essential part of digital commerce. As online shopping, <a href=\"https:\/\/www.cashfree.com\/recurring-payment\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">subscriptions, and recurring billing<\/mark><\/a> continue to grow, businesses need a secure and reliable payment system that offers fast authorization, high success rates, and seamless settlements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"StakeholdersPlayers_in_Credit_Card_Processing_System\"><\/span>Stakeholders\/Players in Credit Card Processing System<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First, we need to define the important players in the credit card payment ecosystem. These are all parties involved when the customer clicks the \u201cpay\u201d button on a site or mobile application and when the merchant receives their payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here is an example to understand the process.<\/strong> Priya purchases a pair of wireless earbuds (\u20b91,499) using her visa credit card from an online retailer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Priya (Cardholder):<\/strong> She is the customer initiating the purchase by using her credit card.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Online Store (Merchant):<\/strong> This is the merchant selling the earbuds to Priya and accepting payment via credit card through a credit card payment gateway.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Visa (Credit Card Network):<\/strong> Credit card network in this example. Networks like Visa, RuPay, and MasterCard are trade associations of many large branded cards. They establish pricing, provide standards for security, assist with dispute resolution and much more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Acquiring Bank (Where Online Store Receives Payment):<\/strong> Where the acquiring bank receives funds for each settled transaction made by the merchant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Issuing Bank (From Which Funds Are Withdrawn):<\/strong> Priya\u2019s issuing bank &#8211; the bank withdrawing the \u20b91,499 from Priya\u2019s account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Credit Card Payment Gateway (Between Merchant Website &amp; Acquiring Bank): <\/strong>Validates Priya\u2019s credit card credentials and facilitates the final settlement process. Encrypts Priya\u2019s sensitive credit card numbers as they pass from Priya to the Acquiring Bank; neither party can see Priya\u2019s full credit card number.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Processor (Process Payment Information Between Banks and Credit Card Network): <\/strong>Communicates payment information from Visa to the two banks that are part of this transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Using a credit card payment gateway protects Priya\u2019s sensitive credit card details by allowing them to be transmitted securely from Priya to the acquiring bank (with no one able to view Priya\u2019s actual credit card number).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_Using_a_Payment_Gateway\"><\/span>Benefits of Using a Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A payment gateway plays a critical role in credit card processing by acting as the secure bridge between the customer&#8217;s checkout page and the banking network.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A modern payment gateway helps businesses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Encrypt sensitive card information during transmission<\/li>\n\n\n\n<li>Support major card networks such as Visa, Mastercard, RuPay, and American Express<\/li>\n\n\n\n<li>Reduce fraud through built-in security checks<\/li>\n\n\n\n<li>Improve payment success rates<\/li>\n\n\n\n<li>Enable faster and more reliable payment processing<\/li>\n\n\n\n<li><a href=\"https:\/\/www.cashfree.com\/settlement-and-reconciliation-guide\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Simplify settlements and reconciliation<\/mark><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">By securely transmitting payment data and integrating with acquiring banks and <a href=\"https:\/\/www.cashfree.com\/blog\/difference-between-payment-gateway-and-payment-processor\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">payment processors<\/mark><\/a>, a payment gateway helps businesses provide a safe and seamless checkout experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors_Affecting_Credit_Card_Processing\"><\/span>Factors Affecting Credit Card Processing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A smooth credit card payment experience depends on more than just accepting card payments. Factors such as transaction speed, system reliability, pricing transparency, and customer support all play an important role in ensuring successful payment processing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Transaction Speed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Customers prefer to pay with debit and credit cards as it is a quick mode of transacting with your business. They want the process to be fast and secure. Ideally, you should choose a credit card processing system that can handle large volumes of transactions safely and accurately. Friction-less merchant credit card processing can efficiently complete a transaction in less than two seconds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. High Uptime and Reliability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card payment system declines can prove detrimental to your business. As a result, customers could deem your brand as inconvenient and might move to a different online merchant. Reliable card processors will have a robust uptime history and backup measures to minimize service interruptions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Fair and Transparent Pricing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card processing rates should be transparent. You must ask the credit card payment processing system provider for complete details of their rate structure. A <a href=\"https:\/\/www.cashfree.com\/blog\/payment-processing\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">payment processing<\/mark><\/a> fee may include components like interchange pricing, and a concise pricing structure will help you analyze all details.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Access to Helpful Customer Support<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Troubleshooting and maintenance of your credit card payment gateway is an essential part of dealing with a complex system. Ensure your credit card processor provides 24\/7 customer support.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Security and Compliance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card payments involve sensitive customer information, making security one of the most important aspects of payment processing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A secure payment gateway should offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.cashfree.com\/blog\/pci-dss-compliance-requirements-checklist\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">PCI DSS compliance<\/mark><\/a><\/li>\n\n\n\n<li>End-to-end encryption<\/li>\n\n\n\n<li>Card tokenization<\/li>\n\n\n\n<li><a href=\"https:\/\/www.cashfree.com\/blog\/payment-fraud-types-detection-prevention-guide\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Fraud detection and risk management<\/mark><\/a><\/li>\n\n\n\n<li>Secure customer authentication where applicable<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These security measures help protect customer data while reducing the risk of <a href=\"https:\/\/www.cashfree.com\/blog\/fraudulent-transactions-how-to-identify-and-prevent\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">fraudulent transactions<\/mark><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Credit_Card_Processing_Works_Step-by-Step\"><\/span>How Credit Card Processing Works: Step-by-Step<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every credit card transaction follows two major stages:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Authorization<\/strong> \u2013 The payment is verified and approved (or declined).<\/li>\n\n\n\n<li><strong>Settlement<\/strong> \u2013 The approved funds are transferred to the merchant&#8217;s bank account.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s look at each stage in detail.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 1: Authorization Process\u00a0<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"514\" data-attachment-id=\"38464\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/credit-card-authorization-flow\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?fit=1536%2C1024&amp;ssl=1\" data-orig-size=\"1536,1024\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Credit Card Authorization Flow\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?fit=770%2C514&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?resize=770%2C514&#038;ssl=1\" alt=\"\" class=\"wp-image-38464\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?resize=270%2C180&amp;ssl=1 270w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?resize=770%2C515&amp;ssl=1 770w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Credit-Card-Authorization-Flow.png?w=1536&amp;ssl=1 1536w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The first part of the credit card processing cycle is an authorization process; verification of a customer\u2019s identity to help prevent fraudulent transactions as well as Anti-Money Laundering (AML) violations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Authorization consists of four parts. Below are those four parts applied to Priya making a purchase with her credit card of \u20b91499 for ear phones.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Upon completing her purchase, Priya inputs her card information at checkout. The store\u2019s payment gateway tokenizes and encrypts the entered data and then transmits the encrypted data to the Acquiring Bank.<\/li>\n\n\n\n<li>The encrypted data flows to the Payment Processor. The Payment Processor utilizes Visa\u2019s Network to forward the Data to Priya\u2019s Bank (the Issuing Bank).<\/li>\n\n\n\n<li>The Issuing Bank verifies Priya\u2019s identity and confirms if there is sufficient funds in Priya\u2019s account to complete the \u20b91499 purchase.<\/li>\n\n\n\n<li>In accordance with that review the Issuing Bank will either authorize or decline the purchase. The results of the bank\u2019s decision will be reflected in real time to the store\u2019s payment gateway. If the bank authorizes the purchase Priya will see an order confirmation. If the bank denies the purchase Priya will be redirected to attempt another purchase.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Step 2: Settlement and Funding Process<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"514\" data-attachment-id=\"38466\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/payment-settlement-process-flow\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?fit=1536%2C1024&amp;ssl=1\" data-orig-size=\"1536,1024\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Payment Settlement Process Flow\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?fit=770%2C514&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?resize=770%2C514&#038;ssl=1\" alt=\"\" class=\"wp-image-38466\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?resize=270%2C180&amp;ssl=1 270w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?resize=770%2C515&amp;ssl=1 770w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/Payment-Settlement-Process-Flow.png?w=1536&amp;ssl=1 1536w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Once the bank authorizes the transaction, settlement occurs. After authorization the store may now process Priya\u2019s order but will not receive the funds until the settlement is completed. Below are the four parts of the settlement as they apply to Priya\u2019s \u20b91499 purchase.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Once the store receives authorization its payment gateway will transmit the transaction for reconciliations to the Payment Processor.<\/li>\n\n\n\n<li>The Payment Processor subtracts all applicable fees from the \u20b91499 prior to depositing the remaining amount into the store\u2019s Acquiring Bank Account. Typically settlements occur within one or two business days. However, many merchants settle their transactions daily or weekly via batch processing, so that each day they have fewer transactional costs associated with processing a large number of sales during a single day.<\/li>\n\n\n\n<li>Visa deducts \u20b91499 from Priya\u2019s Issuing Bank and directs it to the Payment Processor who subsequently transfers it into the store\u2019s Acquiring Bank Account.<\/li>\n\n\n\n<li>Priya\u2019s Issuing Bank subtracts \u20b91499 from Priya\u2019s account and displays it on her next month Credit Card Statement. By her next payment due date, she will need to pay off this amount, otherwise, the bank will charge her interest on any outstanding balances.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transaction_Fees_in_Credit_Card_Processing\"><\/span>Transaction Fees in Credit Card Processing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every successful credit card transaction involves multiple stakeholders, including banks, card networks, payment processors, and payment gateways. Each participant may charge a fee for the services they provide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the payment provider, these charges may be deducted from each transaction or settled separately based on the agreed pricing model.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Annual\/one-time start-up fee:<\/strong> To establish a merchant account. If you use a payment gateway you may avoid paying this cost altogether.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M<strong>onthly Statement Fee: <\/strong>Covers the maintenance and reporting of accounts. Make sure to find out from your provider if the Monthly Statement Fee is included in their normal plans before you decide to go with them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discount Rate:<\/strong> The percentage of every transaction charged by the processor. Discount rates vary depending upon the type of card used, your merchant category and your average monthly transaction amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Transaction Fee: <\/strong>Flat fee charged on each individual transaction, usually in addition to the discount rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Minimum Monthly Charge:<\/strong> Fixed amount charged per month if your total transaction fees fall below a minimum threshold established by your provider for that month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lease Charges for Equipment:<\/strong> Only applies if you\u2019re renting a physical terminal or card reader. Internet-based merchants never pay this charge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.cashfree.com\/payment-gateway-charges\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Payment Gateway Fees<\/mark><\/a>:<\/strong> Applied whenever you&#8217;re using an internet merchant account to accept payments over the web.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Charge Back Fees:<\/strong> Charged to you when a buyer contests a transaction. Check with your provider to see if they will absorb the charge back costs as part of their services, prior to committing to them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Verification of Billing Address Fee:<\/strong> Charged for the cost of validating a buyer&#8217;s billing address during the course of a transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Termination Fees:<\/strong> Charged by your provider if you cancel your merchant account prior to completion of your contract. Review the Termination Fee clause very closely before signing up with any provider.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Here&#8217;s how this looks in practice. On Priya&#8217;s \u20b91,499 purchase, a 2% discount rate works out to roughly \u20b930. Add a flat transaction fee of a few rupees, and the store nets close to \u20b91,465 after processing costs, before any gateway or monthly fees. These figures are illustrative. Actual rates vary by provider and business category.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Choose_a_Payment_Gateway_for_Credit_Card_Processing\"><\/span>How to Choose a Payment Gateway for Credit Card Processing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.cashfree.com\/blog\/how-to-choose-payment-gateway\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Choosing the right payment gateway<\/mark><\/a> is just as important as understanding how credit card processing works. A reliable payment gateway not only helps you accept payments securely but also improves payment success rates, streamlines settlements, and delivers a better checkout experience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When evaluating a payment gateway, consider the following factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>High payment success rates<\/strong> to minimize failed transactions.<\/li>\n\n\n\n<li><strong>Support for major card networks<\/strong> such as Visa, Mastercard, RuPay, and American Express.<\/li>\n\n\n\n<li><strong>Fast settlement cycles<\/strong> to improve cash flow.<\/li>\n\n\n\n<li><strong>PCI DSS-compliant security<\/strong> with encryption and tokenization.<\/li>\n\n\n\n<li><strong>Built-in fraud prevention<\/strong> and risk management tools.<\/li>\n\n\n\n<li><strong>Transparent pricing<\/strong> with no hidden charges.<\/li>\n\n\n\n<li><strong>Easy integration<\/strong> through APIs, SDKs, and popular e-commerce plugins.<\/li>\n\n\n\n<li><strong>Reliable customer support<\/strong> for onboarding, technical assistance, and transaction-related queries.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Selecting a payment gateway that aligns with your business needs can help improve customer experience while ensuring secure and reliable payment processing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why Payment Gateways Matter<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A payment gateway does much more than simply process card payments. It securely captures payment information, encrypts sensitive card data, communicates with banks and card networks, and helps complete transactions safely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Modern payment gateways also provide features such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Multiple payment method support<\/li>\n\n\n\n<li>Fraud detection and risk management<\/li>\n\n\n\n<li>Payment analytics and reporting<\/li>\n\n\n\n<li>Refund and reconciliation tools<\/li>\n\n\n\n<li>Tokenization for secure repeat payments<\/li>\n\n\n\n<li>Subscription and recurring payment support<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These capabilities help businesses simplify payment operations while improving customer trust.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card processing is the technology that enables businesses to securely accept card payments from customers. Although the transaction appears to happen instantly, multiple stakeholders, including the payment gateway, payment processor, card network, issuing bank, and acquiring bank-work together to authorize, verify, and settle every payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding how the process works can help businesses reduce payment failures, improve checkout experiences, and choose a payment solution that meets their operational requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you&#8217;re running an <a href=\"https:\/\/www.cashfree.com\/solutions\/ecommerce-payment-gateway\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">e-commerce store<\/mark><\/a>, SaaS business, marketplace, or subscription platform, selecting a payment gateway with strong security, high payment success rates, transparent pricing, and fast settlements can make a significant difference to your business.<\/p>\n\n\n\n<div class=\"wp-block-themeisle-blocks-modal\"><\/div>\n\n\n\n<div style=\"background:#F7F5FF;border:1px solid #E4DBFF;border-radius:12px;padding:24px;text-align:center;margin:32px 0;\">\n  <h3 style=\"margin:0 0 10px;color:#3B1E84;\">Accept Credit Card Payments with Confidence<\/h3>\n  <p style=\"margin:0 0 18px;color:#555;line-height:1.6;\">\n    Accept Visa, Mastercard, RuPay, American Express, and more with a secure payment gateway designed for businesses of all sizes.\n  <\/p>\n  <a href=\"https:\/\/merchant.cashfree.com\/merchants\/signup?source-action=Blog&#038;action=Sign%20Up&#038;button-id=StartNow_BlogFooterCTA\" style=\"display:inline-block;background:#5B2EFF;color:#fff;text-decoration:none;padding:12px 24px;border-radius:8px;font-weight:600;\">\n    Get Started\n  <\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What is a credit card processing system?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card processing systems validate, authorize and settle all credit card transactions between the card holder, the merchant, and their respective banks.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How soon does credit card payment settlement occur?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fund transfer generally takes place within one to two business days after authorization of a credit card transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Which fees apply to credit card processing?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most common fees include a discount rate, per transaction fees, gateway fees and charge-back fees. The specific fees you pay will depend on your merchant account provider and the type of business you operate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who are the primary parties in a credit card transaction?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These parties include the card holder, the merchant, the card association, the issuer&#8217;s bank, the acquirer&#8217;s bank, the payment gateway and the payment processor.<br><br><strong>Do I require a payment gateway to process credit card transactions via my website?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. A payment gateway is used to safely pass the card holder&#8217;s financial information from your website to the participating banks. As such, you cannot accept credit card payments online unless you utilize a payment gateway.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every time a customer pays with a credit card, several systems work together behind the scenes to authorize, verify, and settle the payment, often within a few seconds. While the process may seem complex, understanding how credit card processing works can help businesses choose the right payment solution and deliver a smoother checkout experience. In<\/p>\n","protected":false},"author":17,"featured_media":6953,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1,1383],"tags":[1379,2188,1382,1381],"class_list":["post-4429","post","type-post","status-publish","format-standard","has-post-thumbnail","category-all","category-payments","tag-online-payment-gateway","tag-payment-gateway-integration","tag-payment-processing","tag-payment-solution"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Card Processing Explained: How It Works, Fees &amp; Payment Flow<\/title>\n<meta name=\"description\" content=\"Learn how credit card processing works, the key stakeholders involved, authorization and settlement steps, transaction fees, and how to choose the right payment gateway.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Card Processing Explained: How It Works, Fees &amp; Payment Flow\" \/>\n<meta property=\"og:description\" content=\"Learn how credit card processing works, the key stakeholders involved, authorization and settlement steps, transaction fees, and how to choose the right payment gateway.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/\" \/>\n<meta property=\"og:site_name\" content=\"Cashfree Payments Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-31T06:08:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-31T06:08:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/04\/Cashgram.png?fit=1200%2C628&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Etee Dubey\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Etee Dubey\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Credit Card Processing Explained: How It Works, Fees & Payment Flow","description":"Learn how credit card processing works, the key stakeholders involved, authorization and settlement steps, transaction fees, and how to choose the right payment gateway.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/","og_locale":"en_US","og_type":"article","og_title":"Credit Card Processing Explained: How It Works, Fees & Payment Flow","og_description":"Learn how credit card processing works, the key stakeholders involved, authorization and settlement steps, transaction fees, and how to choose the right payment gateway.","og_url":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/","og_site_name":"Cashfree Payments Blog","article_published_time":"2026-07-31T06:08:50+00:00","article_modified_time":"2026-07-31T06:08:55+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/04\/Cashgram.png?fit=1200%2C628&ssl=1","type":"image\/png"}],"author":"Etee Dubey","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Etee Dubey","Est. reading time":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#article","isPartOf":{"@id":"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/"},"author":{"name":"Etee Dubey","@id":"https:\/\/blogrevamp.cashfree.com\/#\/schema\/person\/038f63b7375c3477893792889504083e"},"headline":"How Credit Card Processing System Works: A Beginner&#8217;s Guide","datePublished":"2026-07-31T06:08:50+00:00","dateModified":"2026-07-31T06:08:55+00:00","mainEntityOfPage":{"@id":"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/"},"wordCount":2260,"commentCount":0,"image":{"@id":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/04\/Cashgram.png?fit=1200%2C628&ssl=1","keywords":["online payment gateway","payment gateway integration","payment processing","payment solution"],"articleSection":["All","Payments"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blogrevamp.cashfree.com\/credit-card-processing-system\/","url":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/","name":"Credit Card Processing Explained: How It Works, Fees & Payment Flow","isPartOf":{"@id":"https:\/\/blogrevamp.cashfree.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#primaryimage"},"image":{"@id":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/04\/Cashgram.png?fit=1200%2C628&ssl=1","datePublished":"2026-07-31T06:08:50+00:00","dateModified":"2026-07-31T06:08:55+00:00","author":{"@id":"https:\/\/blogrevamp.cashfree.com\/#\/schema\/person\/038f63b7375c3477893792889504083e"},"description":"Learn how credit card processing works, the key stakeholders involved, authorization and settlement steps, transaction fees, and how to choose the right payment gateway.","breadcrumb":{"@id":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#primaryimage","url":"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/04\/Cashgram.png?fit=1200%2C628&ssl=1","contentUrl":"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/04\/Cashgram.png?fit=1200%2C628&ssl=1","width":1200,"height":628},{"@type":"BreadcrumbList","@id":"https:\/\/www.cashfree.com\/blog\/credit-card-processing-system\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blogrevamp.cashfree.com\/"},{"@type":"ListItem","position":2,"name":"Payments","item":"https:\/\/blogrevamp.cashfree.com\/category\/payments\/"},{"@type":"ListItem","position":3,"name":"How Credit Card Processing System Works: A Beginner&#8217;s Guide"}]},{"@type":"WebSite","@id":"https:\/\/blogrevamp.cashfree.com\/#website","url":"https:\/\/blogrevamp.cashfree.com\/","name":"Cashfree Payments Blog","description":"Cashfree Payments- Payment Gateway for India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blogrevamp.cashfree.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/blogrevamp.cashfree.com\/#\/schema\/person\/038f63b7375c3477893792889504083e","name":"Etee Dubey","url":"https:\/\/blogrevamp.cashfree.com\/author\/writereteedubey\/"}]}},"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9MjXo-19r","jetpack_likes_enabled":false,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/04\/Cashgram.png?fit=1200%2C628&ssl=1","_links":{"self":[{"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/posts\/4429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/comments?post=4429"}],"version-history":[{"count":22,"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/posts\/4429\/revisions"}],"predecessor-version":[{"id":38474,"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/posts\/4429\/revisions\/38474"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/media\/6953"}],"wp:attachment":[{"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/media?parent=4429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/categories?post=4429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogrevamp.cashfree.com\/wp-json\/wp\/v2\/tags?post=4429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}