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Credit card and smartphone illustrating online card payments without physically presenting the card

Credit Card

Do I have to use my physical card when shopping?

In the early years of credit cards, using the card physically was mandatory. With the internet and new technologies, we can now pay with only the card details, 3D Secure and contactless NFC payments, even without the card in hand.

Hand holding a credit card near an ATM screen used to check card debt

Credit Card

How Can I Check My Credit Card Debt?

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.

Diagram illustrating the Access Control Server (ACS) role in the 3-D Secure authentication protocol

Security

How can I find the list of Access Security Control (ACS) companies?

Access Security Control (ACS) is the security protocol that the card-issuing bank must maintain under the 3-D Secure protocol to support cardholder authentication. 3-D Secure is an XML-based protocol that adds an extra security layer to online card payments.

Diagram illustrating how a transaction's 3D Secure authentication level is determined

3D Secure

How is a transaction's 3D Secure level determined?

Especially with the growth of the internet, credit card transactions have started shifting from physical POS terminals to virtual POS terminals. In virtual transactions, the 3D Secure structure is used instead of the card PIN entered in physical transactions. So how is a transaction's…

Smartphone being used as a mobile POS device for a card payment

Merchant & POS

Mobile Phones Are Turning Into POS Devices

With advances in technology, mobile phones can now be used for many functions besides calls and internet access. One such innovation is the ability to use smartphones or tablets as POS devices.

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.

Illustration of a phone scam call impersonating a bank

Security

We're Calling From the Bank, Your Account Has Been Compromised...

Fraud cases where scammers pose as bank staff or other institution employees to obtain citizens' banking information have increased significantly recently. Interestingly, the new fraud trend closely mirrors the steps of a genuine banking procedure.

Illustration of remote identity verification and open banking in digital banking

Laws & Regulations

Remote Identity Verification, Reliance on Third Parties and Open Banking

Digitalization is changing how banks onboard customers. This post covers digital identity, verification methods, what the Turkish ID card offers, and Article 43 of the Regulation on Information Systems of Banks and Electronic Banking Services on remote identity verification and open banking.

Pay by link payment on a mobile phone

Online & Authorization

What Is Pay by Link?

Pay by link is an innovative financial solution that completes a payment through a link sent over the internet, making it possible to shop and transfer money through channels like WhatsApp and Instagram.

OTP SMS service icon illustrating one-time password delivery

Security

What Is OTP? What Is Its Role in End-to-End Security?

With Chip&Pin technology, card PINs and chip-based transactions became widespread. As online shopping grew, strengthening the security of these transactions became a necessity, and OTP began providing that transaction security.