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Typical Payment Transaction Flow
Here is a simplified summary of the typical transaction flow (48 hour settlement):
Merchant batches out the terminals before the daily cut-off.
ISO/Processor sends the daily report to AML for the Monday's batch.
AML issues ACH debits to the merchant's bank accounts based on the daily report received from the affiliated ISO/Processors.
Settlement from the Monday batch is deposited to the merchant's bank account.
AML's ACH debit payment reaches the merchant's bank account.
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