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Chargeback
A chargeback is the process of requesting that an amount paid by credit card be refunded, either because the goods or services paid for were not received, or because a transaction is identified as one the cardholder did not carry out.
EMV
The Visa EAS Server (Extended Access Service) is a server used in Visa’s authentication infrastructure. It was developed to run the cardholder authentication process securely between banks and the Visa network, particularly within Visa Secure (3-D Secure 2.x).
Merchant & POS
Contains the EMV steps performed by the Terminal in a transaction. The TSI fields, their possible values, and descriptions of the values are shown below.
ISO 8583
F55 - INTEGRATED CIRCUIT CARD (ICC) SYSTEM RELATED DATA: the field where EMV data is written on chip cards. It consists of components such as Position, Private Data Subelements, PDS Tag, PDS Length, and PDS Value...
Merchant & POS
Transaction types that can be made with a card through a POS: Magnetic Sale, EMV (Chip) Sale, Fallback Sale, Offline EMV Sale, Mail Order, and Ecommerce Sale, each explained in detail below.
Payment Systems
When Does a Transit Card Become a Payment System? Millions of people in Istanbul use Istanbulkart every day. Passing through metro turnstiles, rushing to a bus or boarding a ferry at the last moment, our hand reaches almost by reflex for our card or our phone...
Merchant & POS
Partial authorization lets an issuer approve part of the requested amount when the card lacks the full balance, with the rest paid another way. This post covers the technical, receipt, clearing, reconciliation, merchant and certification requirements for acquirers.
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.
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.
Security
Published by the PCI SSC, Software-based PIN Entry on COTS (SPoC) is a standard that provides a software-based approach for protecting PIN entry on commercial off-the-shelf devices such as smartphones and tablets.
Merchant & POS
With the introduction of chip cards into our lives, the terminal needs to verify the credit card before the transaction. So how is this verification performed? The value calculated and sent by the card is called ARQC (Application Request Cryptogram).
ISO 8583
F61 - POINT OF SERVICE (POS) DATA: This field provides information about the specific status of the POS at the time of the transaction. Position Usage Attribute 1 POS Terminal Attendance Indicator 0 = Attended terminal (Valid for MasterCard debit card and Maestro transactions only).