Importance of Mobile Payment Authorization Network

Importance of Mobile Payment Authorization Network

Most of us are dependent on our mobile phones today even to carry out our day to day activities. We can do almost everything with the help of our smart phones like grocery shopping, sending someone money, registering for an exam, or playing games. Today, the situation has developed to an extent that people cannot live even for a few days without their mobile phones. They have made our lives much easier but there is a scary side to it as well. You may lose a lot of your money while carrying out online transactions, get your systems hacked, get your systems infected by virus, and many other issues if you’re not aware of the trappers and hackers.

We often shop for a lot of things online and we pay for them using our credit cards, debit cards, net banking credentials, or e-wallets. Have you ever thought what will happen if someone else got all of your monetary transaction information? Yes, they can rob you within seconds and you won’t even know it. According to recent studies, 40% of America’s total population considers mobile phones as the primary mode of their monetary transactions. E-wallets and mobile banking are used by people even to pay for a cup of coffee. In such a scenario, it is utmost important to make sure that there is a gateway that ensures safe transactions between the customer and the receiver of the money.


Mobile Payment Authorization networks are those networks that you get re-directed into when you pay for something online. It ensures end-to-end security for you as well as the people whom you’re paying. Mostly these mobile payment authorization networks are provided by security companies. The website of your regular grocery shop would outsource these third party security companies in order to secure their transactions with their customers. That’s how a payment gateway works as a mediator between you and the retailer whom you wish to pay. To know more about mobile payment authorization networks visit

Here’s a step by step explanation of what happens during an online transaction:

  • A customer clicks on the “Pay” option on their mobile or computer system.
  • The customer gives their card details or online banking details and proceeds further with the payment.
  • The web browser in the mobile phone or the computer will encrypt this information through SSL (Secure Socket Layer) encryption. This information is the one that has to be sent from the customer’s web browser to the merchant’s web server.
  • The merchant then forwards the payment information to another SSL encrypted connection which is the payment gateway.
  • The payment gateway is the one that forwards the information to the merchant’s acquiring bank. The payment processor of the acquiring bank will receive this information and send it to the card association (Eg: Visa, Mastercard)
  • The bank that issued the particular credit card will receive an authorization request after which the approval is sent to the payment gateway.

The payment gateway then forwards this information to the website where it is interpreted and both the buyer and the seller will receive appropriate transaction details.