Best of all, they are easy to use When a merchant needs to authorize a credit card transaction they simply complete an electronic form hosted online which provides the Authorize.Net or USAePay systems with the information they need to complete the transaction process. All your information will be encrypted using the latest 40 or 128-bit Secure Socket Layer (SSL) 3.0 technology and is sent to an Authorize.Net or USAePay server. The servers then send the information to USMSmerchant.com, and we forward the data to the credit card issuing banks. Once approval is granted by the issuing banks on the customer’s credit card, the credit card acquiring bank and USMSmerchant.com are informed, and then the data is sent back to your payment getaway for receipt of authorization on the transaction. Transaction funds are automatically settled each day and are typically funded within two to three business days into your business checking account.