Visa

8952.646 - 8978.292 Ben Gilbert

Visa's business model. The first thing to know is almost nothing has changed since the 80s to today on how the transactions work. So the authorization flow is exactly the same as it was, where all the auth flows upstream, the merchant runs the card, checks with their bank, who checks with VisaNet, who checks with the issuer's bank. is this account in good standing to make this transaction or not?