How Card Processing Works

Understand how your accounts are funded

If you're new to credit or debit card processing, here's a simple illustration of Amegy Bank's process.

Processing Payment Transactions

Depositing Funds Into Your Account

Your clients pay with their credit or debit cards and here’s how the funds reach your account:

  1. The transaction is sent to the client's card issuer to receive approval or denial.
  2. If the cardholder has sufficient available credit, approval is granted.
  3. The charge amount is processed in approximately 3-5 seconds.
  4. The system sends the final settlement to Amegy.
  5. Amegy deposits the funds into your merchant account.

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Need Help?
Give us a call at 713-232-1585,
Mon - Fri, 8 a.m. - 5 p.m. CT. Or, fill out our contact form and a Treasury Management Officer will contact you shortly.