Our store-supported payment methods rely on third-party providers to process your transactions. These providers might charge extra fees, as well as enforce rules about what products you can sell using their service. When you set up a payment method, check with the company providing the service to make sure you understand their rules and fees.
HOW A CREDIT CARD PAYMENT GETS PROCESSED
When a customer pays for their online order using a credit card, the payment must be processed by the merchant and follow the next process:
The customer uses their credit card to pay for the order on your store. The payment provider you've set up checks with the issuer to make sure the credit card is valid. If the card is valid and has enough funds, then the issuer authorizes the payment. No funds are transferred at this stage.
After the payment is authorized, the payment must be captured. When a payment is captured, details about the payment are sent to the acquirer.