=> When a consumer wants to buy a certain product, he go to the website and selects the product he wants to buy.
=> Once the product is selected, the consumer transaction is moved to the online transaction server where he places an order.
=> The informations is exchanged over a secure channel through a private gateway to a processing network.
=> The networked banks accept or reject the transaction.
All this happens in just a matter of seconds. E-commerce is a very secure due to the SSL (Secure Socket Layer) technology.