# Enhanced card payment acceptance
source: https://developer.mastercard.com/mastercard-supplier-payment-agent/documentation/use_cases/commercial-direct-payments/enhanced-card-payment-initiation/index.md

## Enhanced card payment acceptance {#enhanced-card-payment-acceptance}

Diagram paymentinitiation

The payment initiation overview diagram displays the main steps for the Enhanced card payment acceptance process.

**Step 1:** Buyer Payment Agent (BPA) initiates the card payment request.

**Step 2:** Commercial Direct Payments (CDP) validates the request.

**Step 3:** CDP sends APPROVED, DECLINED or REJECTED status to BPA.

#### Supplier is set up to pay through Supplier Payment Agent {#supplier-is-set-up-to-pay-through-supplier-payment-agent}

**Step 4:** CDP sends payment initiation notification to the Supplier Payment Agent (SPA).

**Step 5:** SPA sends acknowledgment of payment notification to CDP.

**Step 6:** CDP sends payment status **SUBMITTED** notification to BPA.

**Step 7:** SPA sends authorization APPROVED, DECLINED or REJECTED status to CDP.

**Step 8:** CDP forwards APPROVED, DECLINED or REJECTED status to BPA.

**Step 9:** SPA sends reconciliation data to the supplier.

**Step 10:** SPA sends the reconciliation status as SETTLED to CDP.

**Step 11:** CDP forwards the reconciliation status as SETTLED to BPA.

#### The supplier is set up to pay through Mastercard Gateway {#the-supplier-is-set-up-to-pay-through-mastercard-gateway}

**Step 12:** CDP sends card payment request to Mastercard Gateway (MPGS).

**Step 13:** MPGS sends the acknowledgment of payment to CDP.

**Step 14:** CDP sends the payment status **SUBMITTED** notification to BPA.

**Step 15:** MPGS sends APPROVED, DECLINED or REJECTED status back to CDP.

**Step 16:** CDP forwards APPROVED, DECLINED or REJECTED status to BPA.

**Step 17:** CDP delivers remittance data for APPROVED payments (if requested) to the supplier.

#### Email payment when the supplier is not registered with CDP {#email-payment-when-the-supplier-is-not-registered-with-cdp}

**Step 18:** CDP sends card payment request payload along with remittance data through the Mastercard email service.

**Step 19:** Mastercard email service sends acknowledgment of payment request to CDP.

**Step 20:** CDP delivers a secure email containing payment request payload and remittance data to the supplier.

**Step 21:** CDP sends the payment status **SUBMITTED** notification to BPA.

**Step 22:** CDP captures status for Mastercard generated virtual cards.

**Step 23:** CDP sends payment status for Mastercard generated virtual cards.
Note: For non-Mastercard branded cards as well as any real cards used, payment status will not be communicated back for email delivery.