How It Works

Our company provides an easy and safe credit card payment mechanism for virtually all online shops and services. The only thing your client needs is to be a recognized bank’s credit/debit card owner. The only thing you have to do is to sell and make a profit.

Process scheme / Terminology

  • Buyer – a person making a purchase at an online shop using his/her bank card.
  • Issuer – the bank that issued the buyer’s bank card.
  • Payment system – Visa, MasterCard, Cirrus, American Express.
  • Acquirer – the bank providing services for the online shop.
  • CardPay payment gateway – e-commerce service provider.
  • Online shop – a shop where the buyer makes a purchase.

Process description

1. Buyer -> Online shop
The Buyer places an order on the online shop and clicks “Pay with GMC Online Payments” button.

2. Online shop -> GMC Online Payments payment gateway
The online shop encrypts the data and passes it to the GMC Online Payments payment gateway.

3. GMC Online Payments payment gateway -> Acquirer
GMC Online Payments payment gateway receives the data and displays a window where the Buyer enters the information about their bank card and confirms the payment. GMC Online Payments payment gateway sends the transaction data to the Acquiring bank.

4. Acquirer -> Payment system
Using the card number, the Acquiring bank specifies which payment system the bank card belongs to and forwards the transaction there.

5. Payment system -> Issuer
The Payment system receives the transaction from the Acquirer and forwards it to the Issuing bank.



6. Issuer -> Payment system
The Issuer checks the transaction data for safety as well as funds availability at the Buyer’s account. It generates a positive or a negative reply and forwards it to the Payment system.

7. Payment system -> Acquirer
The payment system forwards the reply to the Acquiring bank.

8. Acquirer -> GMC Online Payments payment gateway
The Acquirer forwards the Issuer’s reply to the CardPay payment gateway.

9. GMC Online Payments payment gateway -> Online shop
The payment gateway forwards the Issuer’s reply to the online shop.

10. Online shop -> Buyer
The online shop informs the Buyer about the successful or failed purchase.

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