What Actually Happens in the 3 Seconds You Swipe Your Credit Card

Ever wonder what happens in those 3 seconds between swiping your credit card and getting approved? Your transaction travels through 7 companies, 4 banks, and gets checked against 300+ fraud indicators—all in under 3 seconds.

In this video, I break down the complete technical process of credit card authorization, from the moment you swipe to the final settlement days later.

⏱️ TIMESTAMPS:
0:00 - The 3-Second Mystery
0:32 - The 7 Parties Involved
1:11 - Phase 1: The Swipe - Data Capture (0-200ms)
2:28 - Phase 2: The Journey (200-800ms)
3:50 - Phase 3: The Decision (800-2000ms)
6:30 - Phase 4: The Response - Return Journey (2000-3000ms)
7:15 - What Happens After: Settlement
7:44 - Who Actually Pays for All This

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