
Payment Systems
What Are the Payment Systems in Türkiye?
When we hear “payment systems”, card transactions at POS terminals or ATMs usually come to mind. Let's look together at the payment systems recognized by the Central Bank.
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Payment Systems
When we hear “payment systems”, card transactions at POS terminals or ATMs usually come to mind. Let's look together at the payment systems recognized by the Central Bank.

Merchant & POS
Virtual POS is the software-based, security-enhanced equivalent of the physical POS devices used for card payments at merchants, designed for online shopping. It is not issued to individual customers, only to sole proprietorships, companies, or foundations and associations.

Credit Card
The following steps should be followed when launching a new product: decide on the brand, request a new BIN from the scheme (Mastercard, Visa, Troy), define the BIN in the bank's system, generate keys in the HSM, and roll it out after certification.

HCE
When we talk about HCE methodology, many interacting architectural components come to mind. The core terms describing this architecture are listed below, starting with GCM/FCM (Google/Firebase Cloud Messaging), a service for sending push notifications.

Online & Authorization
A reference guide to authorization response codes seen on POS and ATM transactions, with plain-language explanations of what each code means and what to do about it.

Payment Systems
NFC is a data transfer technology developed by Sony and Philips in late 2002 and adopted as an ISO/IEC standard in 2003. ISO/IEC 18092/ECMA-340 (NFCIP-1) is one of the two globally accepted NFC standards.

From My Readers
I occasionally receive questions from my readers, and I answer them by email or through other channels. Since others may have similar questions, I will publish these questions on my site along with the answers. Hello Mr. Arif, I read your articles from time to time and...

ISO 8583
F2 is the Card Number field in ISO 8583, identifying the cardholder and issuing bank. This post covers its structure, the 8-digit BIN update, field format, first-digit scheme identification, and PCI DSS security requirements.

Security
A Qualified Security Assessor (QSA) is approved by the PCI Security Standards Council to audit merchants for PCI DSS compliance. The lists of QSA and ASV companies are published on the Council's website.

Security
A Qualified Security Assessor (QSA) is a person approved by the PCI Security Standards Council to audit merchants for compliance with the Payment Card Industry Data Security Standard.

EMV
The Card Block command is used after card issuance to deactivate all applications within the ICC, including applications that could be selected indirectly. The components of the command are explained below.

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...