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"Card Security"

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Diagram illustrating how a transaction's 3D Secure authentication level is determined

3D Secure

How is a transaction's 3D Secure level determined?

Especially with the growth of the internet, credit card transactions have started shifting from physical POS terminals to virtual POS terminals. In virtual transactions, the 3D Secure structure is used instead of the card PIN entered in physical transactions. So how is a transaction's…

Table showing prepaid card loading, spending and cash withdrawal limits

Prepaid Cards

What Are the Transaction Limits for Anonymous Prepaid Cards?

Prepaid cards are among the most popular cards right now, and their use keeps growing. A prepaid card is not linked to a bank account, has no credit limit like a credit card, and can be used up to the amount loaded onto it.

Hand holding a credit card near an ATM screen used to check card debt

Credit Card

How Can I Check My Credit Card Debt?

In the past, banking transactions could only be carried out at branches, but with the advance of technology, customers can now complete their transactions through many channels without visiting a branch. Checking credit card debt is one of these.

Illustration of Host Card Emulation (HCE) enabling contactless mobile payments

Online & Authorization

What Is HCE?

HCE lets a mobile device's operating system emulate the cards we use daily (credit, debit, gift cards, etc.) to make contactless payments via NFC. In other words, our phones behave like the cards we use for payments.

Diagram showing the role of the Access Control Server (ACS) in the 3-D Secure authentication flow

Security

What is Access Security Control (ACS)?

Access Security Control (ACS) is the security protocol that the card-issuing bank must maintain in 3-D Secure to support cardholder authentication, functioning as a complete authentication solution for issuers and payment processors.

Biometric credit card with a fingerprint sensor

Credit Card

What is a biometric credit card?

Technology continues to make our lives easier and more secure. Old ID cards were just laminated paper; new ones became personalized and secure with biometric photos added alongside chip data.

Diagram of BKM public collection solutions including transport and payment gateway services

Payment System Institutions

What Are BKM Public Collection Solutions?

BKM (Interbank Card Center) was founded in 1990 to clear and reconcile credit and debit card payments. This post covers its public collection solutions: contactless transport in Konya, SGK premium payments and e-Government gateway fees.

Illustration of collecting a card payment through an SMS payment link on a mobile phone

Merchant & POS

What Are the Advantages of Collecting Payments by SMS?

In the past, collecting a payment meant physically swiping a card through a POS device. Payment methods have since diversified so much that customer satisfaction, transaction counts and volumes have all increased. Here is why SMS payment is gaining popularity.

Illustration representing the BKM Payment Gateway

Payment Systems

What is the BKM Payment Gateway?

BKM Payment Gateway is the general name for platforms that let government institutions accept card payments through BKM as intermediary. For the first time, SGK and e-Government title deed payments can be made with all banking cards.

GO Secure Payment logo

Merchant & POS

What Is Secure Payment (GO)?

GO Secure Payment is a system developed by BKM that verifies cardholders using a one-time password (OTP) during online purchases made with TROY cards, providing banks with a secure verification platform without needing to store card data.