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Screenshot of the TOTAL mobile payment flow for paying for fuel from the car

Merchant & POS

A New Era in Fuel Retail: Paying Without Getting Out of the Car

Mobile phones are entering our lives more every day. One study found people forget their wallets more often than their phones. This post explains how to buy fuel with TOTAL Mobile Payment and BKM Express without getting out of the car.

TR QR Code supported payment devices

Payment Systems

Which Devices Can I Pay From With the TR QR Code?

According to BKM's TR QR Code Technical Principles and Rules Guide for card payments, QR code payment structures apply to EFTPOS, shared EFTPOS, ÖKC, ATMs, payment provider apps, static QR codes and virtual POS.

Illustration representing communication protocols used in POS payment systems

Merchant & POS

What Are POS Sub-Protocols and Their Use Cases in Turkey?

In payment systems, every exchange between POS devices and bank or payment institution systems runs on a specific messaging standard, generally based on ISO 8583. However, each country, bank, or switch network defines its own version of this standard.

Mobile phone used to accept payments through the Secure Mobile Payment System

Merchant & POS

What Is Secure Mobile Payment?

The Secure Mobile Payment System is a system permitted by the Ministry, operated under the Revenue Administration (GIB) Communiqué, for sales, payment and collection transactions and the electronic creation, transmission and retention of the related financial documents.

Diagram showing different types of POS terminals used for card payments

Merchant & POS

What Is a POS (Point of Sale)?

Virtual or electronic authorization devices connected to a bank, used by merchants to accept card payments. The term comes from the English phrase Point of Sale. Covers POS types by communication method, their advantages, who can use one, and the transactions a POS can perform.

Online shopping and e-commerce payment on a laptop with a bank card

Payment Institutions & E-Money

What are the advantages of working with a payment institution?

Online shopping keeps growing, and e-commerce sites must choose between working with a bank or a payment institution. This article explains why a single application and integration with a payment institution can be the better route.

Unattended self-service POS terminal used for card payments

Merchant & POS

What Is an Unattended POS?

Unattended POS is a type of POS that is not managed by merchant staff and is triggered by the customer in self-service services. Its use has increased further with the rise of mobile payments.

Smartphone and Android POS device used as commercial off-the-shelf (COTS) devices for accepting payments

Online & Authorization

What are Commercial Off-the-Shelf Devices (COTS)?

Commercial off-the-shelf (COTS) products and services are ready-made, packaged solutions adapted to a purchasing organization's needs, rather than custom-built ones. In payment systems, COTS includes ready-made payment apps for phones and Android POS devices.

UnionPay logo

Merchant & POS

What Is UnionPay?

UnionPay International (UPI) is a China UnionPay subsidiary founded in November 2012. Together with more than 1,000 institutions worldwide, UPI provides international card acceptance in 160 countries and card issuance in more than 40 countries and regions.