How Card-to-Bank Transfers Work Behind the Scenes
When a customer enters card details and clicks “Pay,” an entire system kicks into motion:
- Card is validated (Luhn + BIN check)
- Request goes to acquiring bank
- Transaction is routed via Visa/Mastercard network
- Authorization is received
- Settlement is triggered to destination bank
With direct processors like PayEngineers DirectCash™, you skip the need for third-party acquirers and communicate directly with bank APIs or payment rails. This enables real-time cashout, refunds, and affiliate commissions to any IBAN or SWIFT account.
Fast. Transparent. Autonomous.
