2. The special merchant requests payment authorization from the acquiring bank, and the acquiring bank requests payment authorization from the issuing bank through the credit card organization.

3. The special merchant confirms the payment and amount to the cardholder.

4. Special merchants ask the acquiring institution for money.

5. The acquiring institution pays the special merchants.

6. The acquiring bank and the issuing bank shall conduct clearing through the clearing network of the credit card organization.

7. The issuing bank gives the cardholder a bill.

8. Cardholder Payment