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Processing guide

Credit Card Processing, Explained: a plain-English guide.

Credit card processing is how a customer’s card payment becomes money in your bank account.

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Updated2026
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The basics

Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.

Authorization

The card is checked and the amount is approved.

Settlement

Approved sales are batched and sent for payment.

Funding

The money is deposited in your account after fees.

Statements

A monthly summary of volume and fees.

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What it means for your business

Understanding the steps makes it easier to read a statement and ask good questions.

As explained by Merchant Fund Express. Updated 2026.

Common questions

Where can I get help with this?

Call (305) 384-8391. We explain it in plain English and review your statement for free.

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