First of all, your card needs to be enabled for e-commerce transactions. Banks generally design e-commerce authorization so that domestic and international authorizations are managed separately. If you are specifically going to make e-commerce transactions from abroad, it will be useful to specifically state that you want your card's international e-commerce authorization activated. In addition, some banks keep a separate limit for e-commerce transactions apart from the overall card limit. It should also be checked that the e-commerce limit is sufficient.
Secondly, your card needs to be eligible for 3D Secure transactions. Although the activation of cards for 3D Secure transactions varies by bank, the general process is as follows (for banks using BKM's ACS): – The customer's mobile phone number to be used for 3D Secure transactions is collected at the card application stage. – When the card application is approved, the relevant card number and mobile phone number are reported to BKM either online or via a file. (The waiting time for file-based notifications is approximately 1 day.) – After BKM processes the file, a response file or online notification is sent back to the relevant bank indicating whether the records were added successfully.
Instead of 3D Secure transactions, it is recommended that new products support the GO (Secure Payment) infrastructure developed by BKM. GO appears to be both more flexible and more reliable, since the full card details are not shared and there is no card notification structure like in the 3D Secure system.
Assuming we have completed the first 2 steps, the 3D Secure notifications for our card, and activated our e-commerce authorization, it's now time to make a successful purchase with our card.
For a card to be approved for e-commerce transactions; – Card Number (the 16 digits on the front of the card) (*)
– Expiration Date (the 4-digit MM/YY information on the front of the card
– CVV2 (the 3-digit value on the back of the card)
If we have entered all the information correctly and successfully obtained authorization, let's enjoy the product we purchased :)
(*) (There are also 19-digit cards (American Express). However, since the general usage is 16 digits, it has been expressed as 16 digits.
