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Contactless
As end users, we have come to love contactless payments, which are becoming a bigger part of daily life. So what features let contactless cards make payments without touching the POS terminal? There are two classes: MSD cards and Contactless EMV cards.
3D Secure
Isbank (Turkiye Is Bankasi) has completed Europe's first migration to EMV 3D Secure 2.0, the current version of the 3D Secure authentication infrastructure used to verify cardholders in online card purchases. Deputy General Manager...
Merchant & POS
A Card Recovery Bulletin is a list of problem cards (lost, stolen, expired, over-limit, counterfeit or otherwise flagged) published by card schemes such as Visa or MasterCard. It shows whether a card number is listed on the date of purchase.
Credit Card
EMV chip cards contain a small, powerful microprocessor that provides enhanced security, faster transactions, and support for loyalty programs. VSDC is Visa's chip-based solution; M/Chip-Lite is Mastercard's low-cost equivalent for banks starting their chip migration.
Merchant & POS
AFL (Application File Locator) is the field that shows where on the card the data needed for the authorization transaction is located. AFL is a list of the application data records on the card, and the terminal uses it to read the application data.
Merchant & POS
DDOL is the list of data a card needs when the DDA method is used during Data Authentication. If the DDOL is not present on the card, the terminal may keep a default DDOL list instead.
Credit Card
CPV stands for Card Personalization Validation. It is Mastercard's term for the set of recommendations and instructions defined for the card personalization process. The equivalent for Visa is called GPR (Global Personalization Requirements).
Credit Card
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.
Merchant & POS
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.
Credit Card
The Application Interchange Profile indicates the application functions supported by the card. The AIP values and their descriptions are given below. Where is the AIP found? The AIP is a 2-byte piece of data stored on the card, carried under EMV tag 82.
Credit Card
Issuer Script Results is the field that shows the results of the Issuer Script commands sent to the card. This post explains its byte and bit values, what an issuer script is, why the results matter, and what happens when a command fails.
ISO 8583
F35 TRACK-2 DATA: The values printed to the card's Track 2 data in ISO 7813 format, including field separators and start/end sentinels, but excluding LRC (Longitudinal Redundancy Check) characters. It is 37 characters long.