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Contactless
You can tell whether a card supports contactless payments by the four wave symbols printed on it. If the wave symbol is present, your card supports contactless transactions. If not, contact your bank for a new card.
Payment Systems
Contactless payment has greatly improved the user experience, yet its fixed transaction limit is a common complaint. Can this limit be managed dynamically per customer? This post covers the current situation, technical and regulatory requirements and the outlook.
Contactless
The no-PIN limit for contactless payments has been raised from 250 TL to 350 TL. Contactless payments up to 350 TL can be made without a PIN; above that, they are made contactless with a PIN.
Payment Systems
An official BRSA letter to banks announced an update to the PIN-free contactless payment limit. From January 15, 2026, contactless payments of up to 2,500 TL can be made without entering a PIN, up from the current 1,500 TL.
Credit Card
Current information: this post describes the limit that applied at the time of publication. According to a BRSA letter to banks, the PIN-free contactless transaction limit, raised to 750 TL in July 2022, will become 1500 TL from 1 July 2024.
HSM & Security
The CPoC standard, issued by the PCI Security Standards Council in 2019, is a data security standard that lets merchants accept contactless payments using a commercial off-the-shelf (COTS) mobile device with NFC.
Merchant & POS
Yes. Whether a contactless transaction goes online depends on the limits on the card and the POS: the contactless floor limit, the CVM limit and the contactless transaction limit. A worked example shows how.
Credit Card
From the outside, Visa contactless looks simple, but once the limit is exceeded and PIN comes into play it gets deeper. Why do response codes 65 and 70 behave so differently on POS devices in different countries, such as the Netherlands and Saudi Arabia?
Merchant & POS
Checking whether the transaction receipt is printed after a POS transaction, and verifying the amount on it, has probably become a habit for all of us. So what about contactless transactions?
Credit Card
The BRSA has issued a new decision on contactless cards, instructing banks to require a PIN on the first contactless transaction to prevent cards from being used without the customer's knowledge.
Merchant & POS
No. Besides the terminal data, contactless limits can also be managed from the chip data. A “Use Merchant Contactless Limits” field decides which set of limits the POS applies.
Payment Systems
The domestic authorization flow for below-CVM-limit online contactless transactions has changed. Issuers can now ask the cardholder for a PIN or request card insertion instead of simply approving or declining. This post explains the CVM list and the new DE48 PDS22 and DE39 = 65 message flows.