The process begins with the customer presenting their card to the payment terminal, which pre-authorizes an amount to start the session. The payment terminal then reads and verifies the card data, including its expiry date, card number, and cardholder name. The verified card details are sent to the payment gateway via a secure and encrypted network. The payment processor authenticates the payment details by cross-checking them with the issuing bank's database. Once authenticated, the payment processor requests a transaction from the cardholder's bank to debit the payment amount. The acquiring bank verifies and approves the transaction, sending a response back to the payment processor. The response is then transmitted to the payment gateway, which processes the data and confirms the payment to the payment terminal. Finally, the payment terminal provides a receipt for the customer to sign or displays a QR code as confirmation of the payment transaction.