Betalingstransaksjonsløp

Betalingstransaksjonsløp refers to the complete sequence of events that occur from the initiation of a payment transaction by a customer to the final settlement of funds between the involved parties. This process encompasses various stages, including authorization, clearing, and settlement. When a customer makes a purchase, whether online or in-store, using a card, mobile payment, or bank transfer, the transaction begins.

The first step is authorization, where the payment information is sent to the payment processor, then to the card network or bank, and finally to the issuing bank to verify if the funds are available and the transaction is legitimate. If approved, the customer receives a confirmation. The next stage is clearing, where the transaction details are exchanged between the acquiring bank (merchant's bank) and the issuing bank to reconcile the amounts owed.

Finally, settlement occurs, which is the actual transfer of funds from the issuing bank to the acquiring bank, and subsequently to the merchant's account. This entire process is managed by various financial institutions and payment networks, ensuring that funds are moved securely and efficiently from the payer to the payee. The speed and reliability of the betalingstransaksjonsløp are critical for both consumers and businesses, impacting customer experience and operational efficiency. Modern payment systems strive to optimize this flow for faster and more secure transactions.