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hello everyone welcome to this session in this session we are going to discuss about payment settlement process so lets begin our session before we jump to the payment settlement process lets see Payment Processing steps quickly Payment Processing from credit card or debit card happen in Two Step first is the authorization second is the settlement authorization we already discussed in our previous video so you can go and check the playlist to understand how authorization works so in authorization verification of various things like card holder details available amount in the credit card for the payment is done and card is your bank puts the hold on the amount so this is what happens in the authorization in settlement the amount is directed from cardholder account on which hold was put during authorization and Merchant receives the amount in the merchant account so in settlement only Merchant get the amount in the account in authorization merchant do not get any amount in the account