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"Track 2"

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Illustration representing Strong Customer Authentication (SCA) under PSD2

Payment Systems

What is Strong Customer Authentication (SCA)?

Strong Customer Authentication (SCA) is a security requirement introduced under the EU's Payment Services Directive 2 (PSD2) to increase security and reduce fraud in online payment transactions. SCA requires two of three independent authentication factors.

Istanbulkart transit and payment card

Credit Card

Istanbulkart: Both Transit Card and Payment Card

When I think back to the Akbil I used when I first arrived in Istanbul, I think it's fair to say that Istanbulkart has undergone a very significant transformation. Users can now track activity, top up and view balances right from their phones.