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Illustration of an e-commerce checkout page with card payment fields

Merchant & POS

How Important Is the Checkout Page in Payments?

The checkout page is where an online purchase is completed, and cart abandonment is highest there. This post lists design tips: support all cards, limit transition pages, show security cues, allow guest checkout and remove distractions.

Illustration of ChatGPT Instant Checkout and the Agentic Commerce Protocol

Online & Authorization

Shopping Directly from ChatGPT: A New Era with Agentic Commerce

OpenAI and Stripe announced the Agentic Commerce Protocol (ACP), with Instant Checkout live on Etsy and Shopify in the US. What this means for payment facilitators and e-commerce platforms, and what may come beyond one-click checkout.

Amazon PayCode cash payment option

E-commerce

What Is Amazon PayCode?

Amazon PayCode is a payment option that lets customers pay for Amazon orders in cash: after checkout they receive a code and pay at a participating Western Union agent location.

Illustration of a closed-loop payment ecosystem growing through loyalty, data, and new services

Closed-Loop Payments

Why Do Closed-Loop Payment Systems Want to Grow? | Series #6

Why does a coffee chain build its own loyalty program, and why does a payment app keep adding services? This post looks at how loyalty, data, and new services drive the growth of closed-loop payment systems, and at the financial layers behind that growth.

Contactless card payment at a POS terminal, illustrating the increased PIN-free transaction limit of 2,500 TL

Payment Systems

PIN-Free Contactless Payment Limit Rises to 2,500 TL

An official BRSA letter to banks announced an update to the PIN-free contactless payment limit. From January 15, 2026, contactless payments of up to 2,500 TL can be made without entering a PIN, up from the current 1,500 TL.

Illustration of a payment card used for online shopping

Debit Card

Can You Shop Online with an ATM Card?

When we think of online shopping, we usually picture paying with a credit card. But can customers without a credit card, only an ATM card, shop online? Of course they can — you don't need a credit card to enjoy the convenience of e-commerce.

Architecture of 3DS 1.0 compared with 3DS 2.0, showing the issuer, interoperability and acquirer domains

Security

What Is 3D Secure 2.0?

Before 3D Secure 2.0, let's explain what 3D Secure is. 3D Secure is a two-layer payment authentication system that protects both the cardholder and the merchant in online payments. First released by Visa in 1999, it was later adopted by other card schemes…

Secure card storage and tokenization illustration

Merchant & POS

What Is Card Storage?

Card storage is a system, secured with PCI DSS certification, for storing credit and debit card details safely. It saves consumers from entering their card details again and again on frequent purchases.

One-click checkout by card networks illustration

Credit Card

Card Companies Team Up for “One-Click Payment”

American Express, Discover, Visa and Mastercard have started working together on an infrastructure that lets leading US e-commerce sites accept one-click payments, so shoppers no longer need to type in all their card details.

E-commerce checkout page with shopping cart on a laptop screen

E-commerce

Tips to Improve Conversion on Payment Pages

Online shopping has become the norm, and a well-optimized payment page is one of the best ways to win customers back. This post shares 13 practical tips for reducing cart abandonment and increasing conversions on your e-commerce site.

Example of a 3D Secure verification screen displaying a Personal Assurance Message

Security

What is PAM (Personal Assurance Message)?

PAM (Personal Assurance Message) is a message that users set up for 3D Secure transactions. It appears on the password screen during checkout and confirms to the user that the screen truly comes from their own bank.

Illustration of digital transformation in payment systems

Merchant & POS

How Digital Are You in Payment Systems?

Digitalization has brought major change to payment systems, just as it has to every area of our lives. Its biggest impact has been turning the financial world into something virtual, spanning IoT, mobile payments, blockchain and biometrics.