A typical steps involved in the issuer response process for a card authorization, a simplified description is as following. Receive Authorization Request: The card issuer system receives the authorization request from the merchant or payment processor. Card Validation: The issuer system validates the card details provided in the request, including the card number, expiration date, and CVV/CVC. Account Verification: The issuer system verifies the cardholder’s account details, such as account status, available funds, and credit limit (if applicable).

charge backSend Authorization RequestMerchant HandlingReceive Authorization RequestCard ValidationAccount VerificationFraud DetectionDecision MakingGenerate Authorization ResponseSend Authorization Responsemerchant/payment processorcard issuer system