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Behind the scenes of electronic payments in e-commerce, there are three stages: authorization, clearing, and settlement. Authorization starts after the cardholder authenticates the transaction, with added security for EMV 3D Secure. A digital message is transmitted through each stage to confirm funds in the cardholder's account. Clearing involves activities behind the scenes until the acquirer sends a message to the card scheme. Settlement occurs when funds are available and a message is sent back to the merchant for payment approval.