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"merchant numbers"

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Payment card being checked against a card recovery bulletin of problem cards

Merchant & POS

What Is a Card Recovery Bulletin (Card Protection Bulletin)?

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.

Merchant calling the bank from a POS terminal to report a suspicious Code 10 transaction

Merchant & POS

What is a Code 10 message?

Code 10 is when a merchant suspects the cardholder or the card is counterfeit and calls the card's bank, which then verifies the transaction with the merchant's bank. If staff suspect a card or cardholder, they should call the bank immediately.

Old mechanical credit card imprinter machine used to transfer embossed card details onto a sales slip

Merchant & POS

What Is an Imprinter?

An imprinter is the name given to devices that transfer all the information embossed on a credit card onto a paper sales receipt. Before POS terminals, it was commonly used by merchants for authorization transactions.

Payment by SMS link on a mobile phone illustration

E-commerce

What Is Payment by SMS?

Payment by SMS is a solution where the merchant sends the customer a link via SMS through an online collection system, and the customer pays by entering their debit or credit card details.

Illustration showing the reasons a bank may terminate a merchant agreement

Merchant & POS

Under What Circumstances Is a Merchant Agreement Terminated?

Banks check merchants against a termination list before issuing a POS device. Learn the main reasons, such as counterfeit card acceptance, excessive chargebacks, and fraud, that can lead a bank to terminate a merchant agreement.

Z Report printout from a cash register

Merchant & POS

What is a Z Report?

A Z Report is a report taken at the end of the business day, bearing a sequential number, that gives detailed information about sales made using a cash register during a business day, the revenue earned, and the VAT collected.

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.

Illustration explaining what a non-secure e-commerce card transaction is

Payment Systems

What is a Non-Secure transaction?

A non-secure transaction is an e-commerce transaction approved without any verification before authorization, such as SMS OTP. In short, authorization is obtained by verifying only the card number, expiration date, and CVV2.

Dictionary and glossary book representing payment systems terminology

Merchant & POS

Terms that should be in your payment systems glossary

Below are the definitions of the cornerstone terms of payment systems, as established by the Banks Association of Turkey (TBB): debit card, credit card, merchant, cardholder, and more.

Diagram illustrating the properties and lifecycle of a tokenized card number as it moves through the payment network

HCE

What Are the Characteristics of a Tokenized Card Number?

A tokenized card number replaces a physical card number so transactions can be carried out securely. It is generated by the TSP (Token Service Provider), used by the cardholder or merchant, and travels across the payment systems network.