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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.

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.

Illustration of a customer completing a payment through an online payment link

Merchant & POS

What Are the Advantages of Paying with an Online Payment Link?

Advances in payment systems make shopping safer and easier for customers. For e-commerce sites and brands, offering reliable, practical and fast payment options is a serious advantage. An online payment link is one innovative way to accept payments without a POS device.

Illustration representing MCC codes used to classify merchants by category

Merchant & POS

What Is an MCC Code Used For?

Since the MCC code is a merchant's category code, it's critical for the checks performed during merchant onboarding and authorization, including campaigns and restrictions.

Diagram illustrating the Remote Key Loading (RKL) process

ATM

What Is RKL (Remote Key Loading)?

RKL is the process of distributing a TMK (Terminal Master Key) to each terminal from a central point. It is used to remotely load keys onto POS and ATM devices, loading TMKs onto an ATM's keypad or activating them on a POS.

Photograph of a POS terminal used for Chip and Pin card payments

Merchant & POS

What is Chip&Pin?

Chip&Pin, introduced in Turkey on March 31, 2006, is a payment method that greatly reduces the risks of card copying and loss or theft fraud. The chip on the card reduces copying risk, while the 4-digit PIN prevents unauthorized use of a lost card.

Diagram illustrating the Track 1 data structure and field layout on a magnetic stripe card

Credit Card

What is Track 1?

Track 1 is a special data set encoded on a card's magnetic stripe that contains the card information required for authorization when the card is used physically. It includes the cardholder name, card number, and expiration date.

Close-up photo of a cracked payment card

Credit Card

My Card Is Broken. What Should I Do?

If your card is broken, call your bank's Customer Contact Center to request a renewal. Since the card number usually stays the same after renewal, this is convenient for you. If you'll keep using the card, don't set it to Closed or Cancelled status.

Chart showing the global decline in the number of ATMs

ATM

The number of ATMs is declining worldwide

ATMs, which let us meet our cash needs, pay card debt, make transfers, and even withdraw or deposit cash via QR code without a card, have started losing popularity after all these years.

Architecture of 3DS 1.0 compared with 3DS 2.0, showing the issuer, interoperability and acquirer domains

Security

What Is 3D Secure 2.0?

Before 3D Secure 2.0, let's explain what 3D Secure is. 3D Secure is a two-layer payment authentication system that protects both the cardholder and the merchant in online payments. First released by Visa in 1999, it was later adopted by other card schemes…

Expiration date printed on the front of a payment card

Credit Card

What Is a Card Expiration Date?

What is a card expiration date? Learn why banks print this date on every card, how it's used in purchases, and what happens once it passes.

Credit card expiration date printed on the front of a card

Credit Card

What Is Effective Date?

The Effective Date is the information showing the date until which a card can be actively used. It can also be called the expiration date. It is a mandatory field printed on the card and used in transactions, set by banks for card security.