MERCHANT STOREFRONT
Checkout Simulator
Order #892341
₹1,499.00
₹
Cards (Visa / MC)
Net Banking
Encrypted via SP Gateway Core Switch
Payment Gateway Flow Architecture
STAGE 1 • INGESTION & GATEWAY HUB STEPS 1-3
1
CUSTOMER
Shops • Clicks Pay Now
2
MERCHANT WEBSITE
Creates Order • Redirects
3
SP PAYMENT GATEWAY SERVER
CORE HUB
API Request
AES-256 Encrypted
PCI Token Vault
Risk Clean
STAGE 2 • SMART ROUTING SWITCH STEPS 4-5
4
PAYMENT PROCESSOR SWITCH
Smart Switch Routing
CARD NETWORK (Visa / MC / RuPay)
3DS 2.0 Auth
5
ISSUER BANK
Authenticates (OTP / 3DS)
STAGE 3 • CLEARANCE & WEBHOOK STEPS 6-8
6
AUTHORIZATION & CLEARANCE
Approved (AUTH_00_OK)
PAYMENT GATEWAY WEBHOOK
Dispatches Webhook
8
CUSTOMER CONFIRMATION
Order Fulfilled
STEP GRAPHIC SHOWCASE
REAL-TIME ASSET
SETTLEMENT PIPELINE
Customer / Issuer Bank
Payment Network (Visa / MC)
Acquiring / Nodal Bank
Merchant Account (T+0 Credit)