Credit Card Recon

I have already implemented Credit Card functionality between Oracle and Cybersource. But I am unclear on the process when/where the remittance bank gets involved and how the systems like CyberSource/Oracle and the bank are connected and at what stage , is it after the automatic receipt creation is when we send out a file from oracle to the bank or would cyber source send a file to the bank ? Can someone please explain the process and timings behind this ? The configuration is not an issue. But without this process understanding , its difficult to go live.