Payment Anatomy
A Visa contactless payment in Norway
Follow a contactless card payment from NFC tap through scheme routing to settlement via NBO.
NFC tap (13.56 MHz, <4cm)
Auth request (ISO 8583)
Routes via Visa or BankAxept rail
Auth response to issuer
Auth response back through chain
Net settlement calculation
Fun Fact
A Visa contactless tap in Norway is authorized in ~300ms, but final settlement doesn't occur until the next business day via Norges Bank's RTGS system.