When you’re initiating a payment online, there are many factors that go into making the payment possible and a single glitch in any of these entities can lead to an online transaction failing.

The data pertaining to a single transaction goes through a series of hoops before it reaches its final destination. These hoops vary from gateway to gateway as each one has its own security measures in place.

However, if one is to look at a typical flow of data, one can consider the following as a basic example: Initiator > payment gateway > issuing bank > acquiring bank.

At each step, there are certain security measures that you may or may not be privy to. One such security measure is the usage of an OTP, which comes into the picture to authenticate the payment and ensure that the person initiating the payment is indeed the person who owns the card Once that is cleared, the payment is initiated and debited from your account.

When you are applying coupons or card-related discounts, then the data flow can have a few additional steps to it that take into account the variations and occur accordingly. For more information visit. rzstatus