Still encrypted, the payment request is forwarded over the Internet and is received through a secure firewall by the CyberCash CashRegister server. CyberCash instantaneously passes the payment request to the merchant's financial institution, which zips it on to the consumer's credit card bank to approve or decline payment authorization. The consumer's credit card bank sends its response back through the merchant's financial institution to the merchant's CashRegister. The shopper also receives confirmation of credit card approval. The entire authorization process takes under 20 seconds.
Transaction is Completed and Captured The merchant delivers the item to the shopper.
Funds are transferred to the merchant's account by its financial institution.