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Customer paying credit card debt through a mobile banking app

Credit Card

How do I pay my credit card debt?

In the past, banking could only be done at branches, but with technology, customers can now check and pay credit card debt through ATMs, branches, internet banking, mobile banking, and the PTT post office.

Barcode label used for courier card delivery

Courier & Delivery

What is a Barcode Number for Card Distribution?

Barcode numbers are used in many areas of payment systems, such as credit card statements and courier card distribution. This article focuses on the barcode used for courier delivery of cards.

Diagram explaining the PAN Sequence Number (PSN) field on a chip card

Credit Card

What Is PSN (PAN Sequence Number)?

A 2-character field written to the card's chip data that increases by 1 with each card renewal, allowing authorization to distinguish between the old and new card. This means that, theoretically, assuming no other conditions prevent it, a...

Diagram illustrating that credit cards and debit cards require separate BIN ranges

Credit Card

Can a Single BIN Issue Both Credit and Debit Cards?

A single BIN cannot be used to issue both a credit card and a debit card. If a bank offers both products, it has at least two different BINs, allocated and announced separately by card type.

Diagram illustrating the tokenization and detokenization process for card payments

HCE

What Are Tokenization and Detokenization?

Tokenization generates secure data from a credit card number, using specific algorithms, for use during authorization. In CNP transactions, it removes the risk of storing or compromising the original card number.

Infographic of 2018 card payment statistics in Turkey published by BKM

Merchant & POS

2018 Payment Systems Scorecard

BKM (Interbank Card Center) shared 2018 developments in card payments and the cashless society goal in Turkey. The data shows card payments becoming a bigger part of daily life every year.

Diagram of ISO/IEC card standards defining credit card dimensions and layout

Credit Card

Standards that define credit card design and operation

When payment systems come to mind, credit cards are usually the first thing people think of. Credit cards are produced according to specific standards, both in visual design and during printing. These standards belong to the ISO/IEC 781X family.

Illustration representing a credit-linked debit card

Debit Card

What Is a Credit-Linked Debit Card?

Some banks offer their customers a debit card product backed by an individual or corporate credit facility. How do these products work? First, these cards are printed as unembossed (no-name) cards and delivered by courier to branch staff. A credit application…

Illustration of the BRSA regulation on credit card installment limits

Credit Card

BRSA Tightens Credit Card Installment Limits

The BRSA has restricted the number of installments on credit card transactions depending on the sector, aiming to keep household spending from exceeding income. This post covers the new installment limits for furniture, white goods, TVs, gold, vehicle loans and the higher risk weights.

Illustration representing electronic payment systems

Payment Systems

What are Payment Systems?

Let's talk about payment systems, which we have heard more about since the internet entered our lives, and the basic structures behind them. The first credit card in the world was used in America in the 1920s.