Sage Pay's payment technology

Secure card payment processing

Sage Pay Go is our secure payment gateway that enables businesses to accept card payments from their customers via the internet, over the phone or by mail order.

How it works

1. Your customer selects the goods they wish to purchase from your website and enters their order and delivery details.
2. Your customer's credit card details are captured securely by Sage Pay.
3. Your customer will be prompted to enter their Verified by Visa or MasterCard Secure Code password on their card issuer's page (optional).
4. The merchant bank sends the credit card details to your customer’s card issuer who authorises or declines the transaction.
5. The merchant bank then sends the transaction results back to Sage Pay.
6. Sage Pay sends the authorisation results to you and your customer to confirm the results of the transaction.

Settlement

7. The funds from all processed transactions are sent to your merchant bank for settlement at the end of each day.
8. Your merchant bank then collects the funds from the card issuer and pays them into your bank account. The delivery of funds into your account varies from bank to bank.