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Payment Processing · Fraud Prevention · Fintech

Payment Gateway Authorization Flow

Type FlowchartStandard Sugiyama layered DAG + orthogonal routingEngine schematex-flowchartUpdated 8/25/2026
Payment Gateway Authorization Flow
Drawing preview
The scenario

A card payment enters the gateway and must be authorized by validating card details, assessing fraud risk, optionally routing to manual review, and confirming sufficient funds before capture.

What is in this drawing

Read the decisions behind it.

01

Card details valid?

02

Fraud score below threshold?

03Manual review decision

approve or reject

Reusable for any payment gateway, card-not-present transaction flow, or e-commerce checkout authorization process that needs fraud and funds checks.

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