I occasionally receive questions from my readers, and I answer them by email or through other channels. Since others may have similar questions in mind, I will also publish these questions on my site along with their answers.
Hello Mr. Arif,
I read your articles from time to time, and I thank you again for producing this kind of content. I would like to ask you about a payment systems matter that I haven't been able to find clear information on.
As you know, mail order transactions are actively used by customers. Due to fraud prevention measures against SIM card cloning, customers are placed on banks' SMS security control lists, and a SIM card or carrier change made without the customer's knowledge triggers fraud actions. At this point, for a customer who cannot use their card through the mail order system, the investigating unit responded that this was because the customer was on the SMS security control list. In all my time working with mail order transactions, I had never come across an example of mail order being included in an SMS structure.
I believe payment system terminology is similar across all banks. To give an example, when an authorization is received, if the transaction was made using the mail order method, it is reflected on the relevant screen as SA-MO, and we can tell from the transaction code that it was done via mail order.
Is there a Mail Order transaction type that is included in the SMS structure? If such a transaction method exists, what are its transaction codes?
Answer:
I have not heard of an SMS structure for mail order transactions, and I don't think one exists. This is because the 3D Secure and GO (Secure Payment) structure is supported by BKM, and the SMS content sent to the customer during the transaction is delivered by BKM. Mail order transactions are not managed within this structure.
