Benzalkonium chloride is a cationic surfactant and quaternary ammonium compound that disrupts microbial cell membranes by interacting with phospholipids and proteins. This leads to increased membrane permeability, leakage of intracellular contents, and ultimately microbial cell death. It exhibits broad-spectrum antimicrobial activity against bacteria (both gram-positive and gram-negative), fungi, and some viruses, making it an effective antiseptic and disinfectant agent.