How our online payment gateway works

The process is actually very simple, although the technology behind it is complex. A PSP works as detailed below but at no time do the funds flow through the system. Once a transaction is approved by the relevant bank, funds are transferred from the customer's account directly to the merchants account.

The Process


Step 1

The customer places an order via your website for goods or services.

Step 2

The customer's credit card details are captured securely by CharityClear. This can either be via our hosted forms or sent via our secure API.

Step 3

The credit card details are securely transmitted to your merchant bank. The merchant bank sends the credit card details to the customer's card issuer who authorises or declines the transaction.

Step 4

The merchant bank then sends the transaction results back to CharityClear.

Step 5

CharityClear sends confirmation of this instantly. The customer purchasing the goods can see this on-screen and notification is also sent to the merchant. Our online merchant management system allows you to view all transactions online.

Step 6

Once a transaction is approved, funds are transferred from the customer's account directly to the merchants account. The funds never travel through CharityClear.