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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…

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…

Diagram illustrating the role of a Secure Element Issuer in mobile payments

HSM & Security

What is a Secure Element Issuer?

Secure Element Issuer is the stakeholder that provides, maintains, and updates the secure element in cases where mobile payment application and card data are stored in the secure element inside a mobile phone.

Mobile phone used to accept payments through the Secure Mobile Payment System

Merchant & POS

What Is Secure Mobile Payment?

The Secure Mobile Payment System is a system permitted by the Ministry, operated under the Revenue Administration (GIB) Communiqué, for sales, payment and collection transactions and the electronic creation, transmission and retention of the related financial documents.

Diagram showing 3D Secure, Half 3D Secure, and Non-3D Secure transaction flows based on VERes and PARes response codes

Payment Systems

What is a Half 3D Secure transaction?

A Half 3D Secure transaction is, in short, the term used when the merchant supports 3D Secure but the card does not. Can such transactions occur as 3D Secure/Half Secure when the merchant does not support 3D Secure? A transaction started without the 3D process is treated as Non-Secure.

Illustration of a 3D Secure payment verification screen

Merchant & POS

What is a 3D Secure transaction?

In e-commerce transactions, the system developed to increase transaction security for payments made with credit and debit cards is called 3D Secure. When paying with 3D Secure, a special payment screen provided by the banks appears on the user's screen.

Illustration representing the PA-DSS payment application security standard

HSM & Security

What is PA-DSS (Payment Application Data Security Standard)?

PA-DSS (Payment Application Data Security Standard) is the Payment Application Data Security Standard set by the PCI SSC, a global security standard created by the Payment Card Industry Security Standards Council.

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.