A card payment feels instant to the buyer, and a short relay happens behind it. The buyer submits card or bank details, Authorize.net passes them to the processor, and the processor asks the bank that issued the card to approve or decline the charge. The answer travels back along the same chain in moments.
An approval brings up your confirmation page and sends the buyer a receipt. The money follows later: funds from approved sales reach your bank account once the card networks settle them, a few business days after the sale. Knowing that gap makes cash flow easier to plan.








