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Once setup is complete, your card program is ready for cardholders to start making purchases. In this guide, we’ll walk you through how transactions are authorized, using a real-world example to illustrate the authorization process in real time. When a cardholder uses their card:
  1. BFinance checks your card program configuration and card status: BFinance checks the card status and predefined configurations before sending an authorization request to your server as a webhook.
  2. BFinance sends the authorization request: Authorization Webhook
  3. Your server makes a decision: Based on your internal rules, such as balance checks or spending controls, your server decides whether to approve or reject the transaction.
  4. You respond to BFinance: You send your decision to BFinance via HTTPS response within 1.2 seconds.
  5. BFinance checks your balance: Before sending your solution to the card processor, BFinance checks your card program balance to make sure it can cover the transaction.
  6. BFinance completes processing: BFinance sends your decision to the card processor to approve or reject the transaction.
  7. The transaction webhook is triggered: Transaction