Fizetésfeldolgozás

Fizetésfeldolgozás is a Hungarian term that translates to payment processing. It refers to the entire chain of events that occurs when a customer makes a payment, typically in a retail or e-commerce setting. This process involves various entities, including the customer, the merchant, the acquiring bank, the card network, and the issuing bank.

When a customer presents a payment card, such as a credit or debit card, for a transaction, the merchant's point-of-sale (POS) system or online checkout gateway captures the card details. This information is then securely transmitted to the payment processor or acquiring bank. The acquiring bank, which is the bank that holds the merchant's account, sends the transaction request through the card network (like Visa or Mastercard) to the customer's issuing bank.

The issuing bank then verifies the cardholder's identity and checks for sufficient funds or credit limit. If the transaction is approved, the issuing bank sends an authorization code back through the card network to the acquiring bank, which relays it to the merchant. This entire authorization process typically takes a few seconds.

Following authorization, the merchant submits batches of approved transactions to their acquiring bank for settlement. The acquiring bank then debits the issuing bank and credits the merchant's account. The card network facilitates the movement of funds between the banks. Fizetésfeldolgozás encompasses all these steps to ensure that merchants are paid and customers' accounts are debited accurately and securely.