Payment Diagram
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1. Customer places order
   
   
2. Transaction goes to the Bank for Funds verification
   
   
3. Receipt is issued and merchant gets money

Please see the following Diagram

1. Customer places order

A customer enters an order on a merchant's website. The transaction information is instantly encrypted and transmitted to the Apelles's secure server, which is linked via a dedicated, leased data line to the credit card authorization network. A dedicated data line means faster transaction times.

2. Apelles verifies with bank

The transaction information is sent by the Apelles's secure server via leased data line to the credit card authorization network where the validity of the card is checked and the availability of funds on that account is verified. An authorization code is returned via leased data line to the Apelles's secure server. The authorization is encrypted by the Apelles's server and transmitted in encrypted form back to the web server of the merchant which in turn triggers the fulfillment process of the order.

3. Receipt is issued and merchant gets money

An e-mail receipt is sent to the customer and the merchant (either or both can be disabled at merchant's option). Within 48 - 72 hours the merchant receives the money!

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