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The diagram below illustrate the process of payment by credit card.

参考范文：

This diagram shows the different stages in the process of making a purchase   with a credit card. We can see that it is a complex transaction with no fewer   than five different parties involved and there are seven different steps until   the merchant receives payment.

The first step is that the customer offers to pay for the goods by credit   card. At that point, the merchant has to request for the payment to be   authorised by the credit card organisation, which must also request   authorisation in turn from the consumer’s bank. Once that authorisation has been   received, the merchant can then release the goods to the customer.

The merchant, however, does not receive the money for the transaction until   it has paid a fee to the credit card organisation. After that has been paid, the   consumer’s issuing bank will transfer the money for the transaction to the   merchant’s own bank, which will then credit the merchant’s bank account with the   amount of the purchase less the credit card fee.