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Diagram illustrating the ISO 8583 field 32 structure

ISO 8583

ISO 8583 Field Descriptions (F32)

F32 - ACQUIRING INSTITUTION IDENTIFICATION CODE: the 11-digit acquirer bank ID. The values it can take for domestic transactions and by card brand include Visa, MasterCard, UnionPay, Discover and JCB formats.

TROY card scheme logo

Credit Card

What Is TROY?

TROY, announced by the Interbank Card Center (BKM) in September 2015, is a card scheme like VISA, MasterCard, or AMEX. It takes its name from the initials of its Turkish slogan meaning 'Turkey's Payment Method'.

Stand-in authorization flow diagram

Credit Card

What is Stand-In Authorization?

In the standard authorization flow, the transaction is initiated by the acquirer (POS bank) and forwarded to the issuer (card-issuing institution). The process is completed once the issuer responds. However, this isn't always possible; when the issuer fails to respond, BKM steps in...

Screenshot of a POS parameter loading screen

Merchant & POS

How is parameter loading done onto a POS?

Loading parameters onto a POS transfers changes made in the POS Management system (authorization, limits, card BIN list, etc.) onto the POS. There are 3 ways to do it.