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Logos of various international payment card schemes

Credit Card

What Are National and International Payment Schemes?

In the world of payment systems, just as credit cards are an indispensable product, a payment scheme is indispensable for credit cards. When a credit card product is launched, the scheme it will be issued under is decided first.

Business owner reviewing the documents required for a POS merchant application

Merchant & POS

Can I get a POS device as an individual customer?

For a POS device to be issued to a customer, the customer must have a legal entity status, such as a sole proprietorship, commercial company, or foundation/association. POS devices cannot legally be issued to individual customers.

Comparison of online and offline token verification in payment transactions

HCE

What Are Transaction-Based (Online/Offline) Token Types?

Token types vary depending on the verification method used in a transaction. In offline transactions, general checks are performed by the mobile app and card reader without any verification in the card system. In online transactions, token verification is sent to and verified by the issuer.

HCE mobile payment PIN strategies

HCE

What Are the PIN Strategies in HCE?

There are three types of PIN strategy in HCE (Host Card Emulation): No PIN, Card PIN and Wallet PIN or customer biometric data. Each balances user experience and security differently.

BKM Express mobile payment application illustration

Credit Card

What is BKM Express?

What is BKM Express? BKM Express is a technical infrastructure solution developed by BKM that lets you pay securely for online purchases without sharing your card's full details. What are the advantages of BKM Express? To register your card you don't need to enter all…

Chart summarizing results of the BKM card usage survey

Credit Card

BKM Card Usage Survey

According to a survey by the Interbank Card Center measuring card usage habits in Turkey, card usage is increasing every day. Credit card preference rose from 61% in 2015 to 68% in 2017, while cash preference fell from 35% to 27%.