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"Certification"

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TreeCard wooden bank card made from sustainably sourced cherry wood

Credit Card

Can a card be made from wood?

While the use of physical cards and POS terminals is gradually declining, positive developments continue, such as the world's first wooden card, TreeCard, backed by the search engine Ecosia and aimed at reforesting the world.

Visa PIN security program guide illustration

Security

What Is the Visa PIN Security Program Guide?

The Visa PIN Security Program Guide describes the security and procedural requirements for acquirers and their agents that process PIN data or manage keys for PINs associated with Visa transactions.

Merchant onboarding process illustration

Merchant & POS

What is Onboarding (Merchant Definition)?

Onboarding refers to all the practices that help a customer learn to use a product or service for the first time. In payment institutions, it covers verifying a customer's information and documents during merchant application.

Recurring card payments and subscriptions illustration

Merchant & POS

What Is Recurring Billing?

Recurring billing is the automatic collection of payments at set intervals and amounts by storing the customer's card details on a secure, PCI DSS-certified infrastructure.

Illustration of remote identity verification and open banking in digital banking

Laws & Regulations

Remote Identity Verification, Reliance on Third Parties and Open Banking

Digitalization is changing how banks onboard customers. This post covers digital identity, verification methods, what the Turkish ID card offers, and Article 43 of the Regulation on Information Systems of Banks and Electronic Banking Services on remote identity verification and open banking.

Smart Payment Association (SPA) logo

Payment Systems

What is SPA (Smart Payment Association)?

The Smart Payment Association (SPA) is the trade association of the smart payments industry. It provides leadership and expert guidance to help members and customers realize smart, secure and personalized payment systems and services, now and in the future.

Secure card storage and tokenization illustration

Merchant & POS

What Is Card Storage?

Card storage is a system, secured with PCI DSS certification, for storing credit and debit card details safely. It saves consumers from entering their card details again and again on frequent purchases.

ISO/IEC 10373 identification card test methods

Credit Card

What Is ISO/IEC 10373?

ISO/IEC 10373 specifies the technology-independent test methods needed to check that identification cards conform to the base requirements defined in ISO/IEC 7810 and related standards.

Illustration representing PIN Transaction Security (PTS) certified payment devices

Merchant & POS

What is PIN Transaction Security (PTS)?

PIN Transaction Security (PTS) verifies that card data and PIN information are used for a payment transaction. It is a set of modular evaluation requirements managed by the PCI Security Standards Council for PIN-accepting terminals.

Screenshot illustrating how a payment gateway connects an e-commerce site to a bank

Online & Authorization

What is a Payment Gateway?

A payment gateway is the high-security connection banks provide for purchases made with a credit or debit card. Learn how it is set up and why it protects cardholder data.

Illustration representing the Discover and PayPal partnership for cardholder rewards

Credit Card

Discover Cardholders Will Be Able to Use Their Points at PayPal Merchants

To issue a card, the necessary certifications must be obtained from brands such as MasterCard, Visa, Troy, and Discover, and the card must be made available for cardholder use. Banks aim to increase customer loyalty by running points programs and similar campaigns.