With advances in technology, mobile phones can now be used for many purposes beyond calling and accessing the internet. One of these innovations is the ability to use smartphones or tablets as POS devices.
So how can mobile devices be used as POS devices?
Smartphones can carry out card transactions on their own, without needing any additional device, using NFC (Near Field Communication) technology, turning into a POS device that is as secure and innovative as today's POS terminals.
Is NFC alone enough? Do we need to install additional software?
It is necessary to install the applications provided by banks or payment institutions that turn mobile devices into POS devices. These applications can be downloaded free of charge from app stores (Android Market or the Apple Store) or from banks' mobile branches.
Due to legal requirements, registration for these applications is done using the Turkish national ID number. After the required e-mail and mobile phone number information, as well as the information needed for activation, is entered, the user is called by the mobile application company to confirm the information. Once the information is confirmed, the activation process is completed.
Once the IBAN number is entered into the application, the mobile phone can be used as a Mobile POS device.
How is a payment transaction made from the mobile application?
- To begin taking a payment, the New Transaction button on the home screen is pressed.
- On the screen that opens, the Transaction Amount is entered, and then the Make Payment button is pressed.
- Next, the Payment Type (Full Payment/Installment) is selected.
- The commissions to be charged based on the selected Payment Type are displayed on the screen.
- On the next screen, the customer's mobile phone number and full name are entered.
- After the customer information is entered, the screen where the card is read, or where the card information is entered, opens.
- Alternatively, contactless payment transactions can be accepted using NFC technology.
- After the card identification process, the payment transaction is completed together with the verification code in the payment confirmation SMS sent to the customer's mobile phone.
Are these kinds of transactions carried out with mobile devices secure?
Card payment transactions in which mobile devices are used as POS devices are secure because they are carried out as "3D Secure or GO (Secure Payment)".
What are the rules for non-face-to-face mobile payment transactions?
- Transactions must be subject to an online authorization flow regardless of amount.
- A secure transaction option must be offered to the customer in every transaction, regardless of amount.
- Secure Transaction Options: for not-on-us transactions, verification methods that are generally accepted industry standards and also approved by the BRSA (Banking Regulation and Supervision Agency) must be used. (Currently 3D Secure & BKM Express, GO)
