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Three main steps in the credit card payments process:


When a constituent uses their credit card in an application integrated with NeonPay, an authorization request is generated by NeonPay and sent to the constituent’s card network or card issuing bank. Put simply, NeonPay asks the card network or bank whether the funds are available. This process determines whether a transaction is declined or approved.


If the constituent's card company or bank verifies that the funds are available, they place a hold on the funds, or a capture, and let NeonPay know. The transaction is now approved in NeonPay and is marked with the Succeeded status.


The process of transferring funds from the constituent's credit or bank account to NeonPay is called settlement. Once a transaction settles, the funds are available in your NeonPay account as part of your balance.