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Payment Gateway

Authorize.Net offers Advanced Integration Method (AIM), a secure online payment-processing connection method that allows you to authorize, process, and manage credit card transactions directly and automatically from your e-commerce web site.

Advanced Integration Method (AIM) is the preferred Authorize.Net integration solution, and uses secure sockets layer (SSL) digital certificate technology to connect securely and directly to the Payment Gateway—achieving the highest security for the Internet connection between a merchant and the gateway.

How it Works

When using AIM to connect to the Payment Gateway, a customer enters purchase information (e.g., name, credit card number, etc.) into a payment form on your web site.

When the customer clicks to submit his or her purchase information, payment information is encrypted using 128-bit SSL technology and sent to an Authorize.Net transaction server. The server sends the data through the authorization network to the appropriate card issuer's bank, using a secure, proprietary connection. When the authorization process is complete—this takes around five seconds—the customer receives an approval or decline response, and the Authorize.Net server stores the transaction. Approved transactions are automatically settled each day and are typically funded within two to three business days.

You can check the status of current transactions submitted directly from your web site or run reports on past transaction activity by going to the Authorize.Net Corporate site and logging into your own password-protected Merchant Interface. Online businesses also can use the Authorize.Net Virtual Terminal feature of their Merchant Interface account to enter payment information manually if customers prefer to call in their credit card information.

Authorize.Net’s Transaction Flow

1. The customer places an order with the merchant via a web site, call center, retail location, or wireless device.
2. Authorize.Net receives the transaction via the Internet, securely encrypts it, and submits an authorization request to the customer's Credit Card Issuer to verify both the account and funds availability.
3. The authorization (or decline) response is returned via Authorize.Net to the merchant. Round trip this process averages less than 3 seconds.
4. Upon approval, the merchant fills the customer's order.
5. Authorize.Net sends the settlement request to the Merchant Account Provider.
6. The Merchant Account Provider deposits settlement funds into the merchant's account.

To see how it works, Authorize.Net has published a complete diagram on their web site.

Obtaining a Merchant Account

To obtain a merchant account with Authorize.Net, you must contact one of their authorized resellers.  A list of resellers can found at http://www.authorizenet.com/reseller/directory.php.