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The chart below shows the process of payment by credit cards.

The chart below shows the process of payment by credit cards. MooLN
This diagram shows the different stages in the process of making a purchase with a credit card. We can see from it that there are five different parties involved in such a transaction and there are seven different steps until the merchant receives payment. The first step is that the customer offers to pay for the goods by credit card. At that point, the merchant has to request for the payment to be authorised by the credit card organisation, which must also request authorisation in turn from the consumer's bank. Once that authorisation has been received, the merchant can then release the goods to the customer. The merchant, however, does not receive the money for the transaction until it has paid a fee to the credit card organisation. After that has been paid, the consumer's issuing bank will transfer the money for the transaction to the merchant's own bank, which will then credit the merchant's bank account with the amount of the purchase less the credit card fee.
This diagram
This phrase/word (depending on the context) can be potentially replaced with :
shows
the
This phrase/word is too simple and can be replaced with:
different
stages in the process of making a
This phrase/word (depending on the context) can be potentially replaced with :
purchase
with a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
. We can
This phrase/word (depending on the context) can be potentially replaced with :
see
from it that there are five
This phrase/word is too simple and can be replaced with:
different
parties involved in such a transaction and there are seven
This phrase/word is too simple and can be replaced with:
different
steps until the
You use this word too often, consider replacing it with
merchant
receives payment.

The
first
step is that the customer offers to pay for the
This phrase/word (depending on the context) can be potentially replaced with :
goods
by
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
. At that point, the
You use this word too often, consider replacing it with
merchant
This phrase/word is too simple and can be replaced with:
has to
request for the payment to be
Possible spelling mistake. 'authorised' is British English.
authorised
by the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
Possible spelling mistake. 'organisation' is British English.
organisation
, which
This phrase/word (depending on the context) can be potentially replaced with :
must
also
request
Possible spelling mistake. 'authorisation' is British English.
authorisation
in turn from the consumer's
You use this word too often, consider replacing it with
bank
. Once that
Possible spelling mistake. 'authorisation' is British English.
authorisation
has
been received
, the
You use this word too often, consider replacing it with
merchant
can then release the
This phrase/word (depending on the context) can be potentially replaced with :
goods
to the customer.

The
You use this word too often, consider replacing it with
merchant
,
however
, does not receive the money for the transaction until it has paid a fee to the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
Possible spelling mistake. 'organisation' is British English.
organisation
. After that has
been paid
, the consumer's issuing
You use this word too often, consider replacing it with
bank
will transfer the money for the transaction to the merchant's
This phrase/word (depending on the context) can be potentially replaced with :
own
You use this word too often, consider replacing it with
bank
, which will then
You use this word too often, consider replacing it with
credit
the merchant's
You use this word too often, consider replacing it with
bank
account with the amount of the
This phrase/word (depending on the context) can be potentially replaced with :
purchase
less the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
fee.
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IELTS academic The chart below shows the process of payment by credit cards.

Academic
  American English
3 paragraphs
168 words
6.0
Overall Band Score
Coherence and Cohesion: 7.0
  • Structure your answers in logical paragraphs
  • ?
    One main idea per paragraph
  • ?
    Include an introduction and conclusion
  • ?
    Support main points with an explanation and then an example
  • Use cohesive linking words accurately and appropriately
  • ?
    Vary your linking phrases using synonyms
Lexical Resource: 5.0
  • Try to vary your vocabulary using accurate synonyms
  • Use less common question specific words that accurately convey meaning
  • Check your work for spelling and word formation mistakes
Grammatical Range: 6.5
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 5.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • ?
    Support ideas with relevant, specific examples
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