How long does it take for credit card payment to process?

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When it comes to credit card payments, many people wonder how long it takes for the payment to process. Whether you’re making a payment online or at a physical store, understanding the timeline for credit card payment processing can help you plan your finances and avoid any unnecessary delays or complications. In this article, we will dive deeper into the topic and explore the factors that influence the processing time for credit card payments.

Payment Authorization

Payment authorization: The first step in the credit card payment process is obtaining authorization from the card issuer. When you make a purchase, the merchant sends a request to the card issuer to verify the card’s validity and the availability of funds. This process typically happens in a matter of seconds, and if the authorization is successful, the payment is approved.

Merchant Processing

Merchant processing: After the payment is authorized, the merchant needs to process the payment. This involves submitting the transaction details to their payment processor or acquiring bank. The time it takes for the merchant to process the payment can vary depending on various factors, including the merchant’s payment processing system, internet connectivity, and the volume of transactions being processed at that time. In most cases, this step is also completed within seconds.

Batch Processing

Batch processing: Merchants often collect multiple transactions throughout the day and submit them as a batch for processing. This is a common practice to streamline the payment process and reduce costs. The batch is usually submitted at the end of the business day, and the payment processor or acquiring bank processes all the transactions together. The time it takes for batch processing can vary depending on the merchant’s agreement with their payment processor, but it typically happens overnight.

Card Network Processing

Card network processing: Once the merchant’s batch is processed, the payment information is sent to the card network, such as Visa, Mastercard, or American Express. The card network then routes the transaction to the cardholder’s issuing bank for further processing. This step involves verifying the transaction details, checking for any suspicious activity, and deducting the payment amount from the cardholder’s available credit limit. The time it takes for card network processing can vary, but it is usually completed within a few hours.

Issuing Bank Processing

Issuing bank processing: The final step in the credit card payment process is the processing by the cardholder’s issuing bank. The issuing bank receives the transaction information from the card network and updates the cardholder’s account accordingly. This step includes deducting the payment amount from the cardholder’s outstanding balance and reflecting the transaction in the cardholder’s statement. The time it takes for issuing bank processing can vary, but it is typically completed within a day or two.


In summary, the processing time for credit card payments involves several steps, including payment authorization, merchant processing, batch processing, card network processing, and issuing bank processing. While the initial authorization and merchant processing usually happen within seconds, batch processing, card network processing, and issuing bank processing may take a few hours to a couple of days. It’s important to keep these timelines in mind when making credit card payments to ensure that your payments are processed in a timely manner.


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– Mastercard (
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