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Credit Card
A Shared POS is a POS solution that allows the credit card applications of multiple banks, such as installments and loyalty points, to run on a single POS device. It automatically recognizes the cards of banks loaded on it and routes the transaction accordingly.
Credit Card
As credit cards become more and more a part of our lives, we now make almost all our purchases without cash. We inserted our card into the merchant's POS. We made a 100 TRY sale transaction. We received a receipt confirming it was successful.
ATM
A shared ATM lets a customer of one bank use another bank's ATM for card or credit card transactions. Within customer limits, shared ATMs allow deposits, withdrawals, balance inquiries, and credit card debt inquiry/payment.
Credit Card
In the past, banking transactions could only be carried out at branches, but with the advance of technology, customers can now complete their transactions through many channels without visiting a branch. Checking credit card debt is one of these.
Payment Systems
After Russia invaded Ukraine, Visa and Mastercard suspended services for sanctioned Russian banks. This post explains the impact on cardholders and merchants, and Russia's MIR and UnionPay alternatives.
Laws & Regulations
Turkey is rapidly implementing the items in the 11th Development Plan for a fintech ecosystem with equal opportunity. Under the approved law amendment, some BRSA powers over payment services and e-money companies were transferred to the CBRT, making it the single authority in payments.
ATM
Moving branch transactions to channels such as ATMs, internet banking and mobile banking lowers banking costs, so almost every transaction can now be done through them. Here is what ATMs offer.
General
Who will win in Agentic Commerce? Owning the customer used to be a huge advantage. Once an agent starts deciding on the customer's behalf, where does the real power move to?
Payment Systems
The domestic authorization flow for below-CVM-limit online contactless transactions has changed. Issuers can now ask the cardholder for a PIN or request card insertion instead of simply approving or declining. This post explains the CVM list and the new DE48 PDS22 and DE39 = 65 message flows.
Merchant & POS
A step-by-step walkthrough of a 100 TL POS sale: end-of-day batch close, clearing through BKM, interchange and merchant commission, and why the merchant gets paid even if the cardholder never pays the card bank.
Merchant & POS
Today, credit cards play an important role in our daily lives. We can carry out almost all of our transactions without carrying cash, using our credit card instead. During a purchase, we hand our card to the cashier and enter our PIN at the POS terminal.
Payment Systems
Let's talk about payment systems, which we have heard more about since the internet entered our lives, and the basic structures behind them. The first credit card in the world was used in America in the 1920s.