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Basic Guide to Understanding Card Processing Networks


Nowadays, an increasing number of people are making online purchases using credit or debit cards. However, in Mexico, 4 out of 10 online transactions are not completed due to card payment rejections, with only 62% of these transactions being approved.

The Most Common Reasons for Online Card Transaction Rejections Include:

  • Unexplained rejection by the issuing bank.
  • The transaction is considered unusual.
  • Contact with the issuing institution is required to approve the transaction.
  • The buyer does not complete the purchase due to the unavailability of their preferred payment method.

All these factors contribute to a high rate of lost sales for e-commerce businesses. Addressing this issue requires robust acceptance tools. However, have you ever considered how this payment process works?

In this edition, we will explore the world of card processing networks, their critical role in e-commerce, and how they function. We will also delve into how merchants can integrate with these networks through payment processors and how DEUNA can enhance e-commerce payment systems, boosting security and user experience.

What is a Card Processing Network and How Does it Work?

Card processing networks are systems that facilitate quick and secure electronic transactions between businesses and credit/debit card users. These networks are vital for e-commerce and any business that accepts card payments.

The operation of a card processing network involves several stages that ensure the customer’s card information is securely transmitted from the issuing bank to the acquiring bank. Once the transaction is completed, the issuing bank transfers the funds to the acquiring bank, and finally, to the merchant.

To connect to a card processing network, merchants need a business account and a payment processor that allows them to accept credit and debit cards. Payment processors act as intermediaries between merchants and card processing networks, managing transactions and safeguarding data security.

However, each payment processor operates differently depending on the market. They support various payment methods and work with multiple acquiring banks, so integrating just one processor is not sufficient for merchants, often resulting in a low acceptance rate.

DEUNA’s Role in Payment Orchestration

Moreover, DEUNA addresses this challenge with its sophisticated payment orchestration platform, integrating multiple payment processors to maximize acceptance rates while maintaining stringent fraud controls. With DEUNA’s unified integration, merchants can support diverse payment methods, streamlining their operations.

DEUNA’s payment orchestration enables online businesses to accept a broad range of credit and debit cards, and thanks to Smart Dynamic Routing, multiple retries are made across different payment gateways, significantly increasing the likelihood of approval.

Additionally, DEUNA offers comprehensive fraud prevention and risk management services, protecting e-commerce businesses against fraud and ensuring customer data security. These tools allow merchants to concentrate on their core business activities while DEUNA handles the technical and security aspects of their payment systems.

Simplify your card processing with DEUNA, so you can keep focusing on growing your business. Visit and unleash the full potential of your e-commerce platform.

*Data obtained from the National Commission for the Protection and Defense of Users of Financial Services (Condusef) in Mexico, 2019.

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