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Credit Card
A co-branded card is a card offered by two or more organizations: one the issuing financial institution, the other a non-financial commercial brand (there may be more than one), such as an airline, hotel, or retail chain.
Laws & Regulations
A prepaid card used only in brand X's stores is considered to be used “only within a limited network of service providers”, and therefore outside the scope of the Law under Article 18(5). Each business model must still be assessed separately.
Merchant & POS
Just like a car, a POS device has a brand and a model, for example Ingenico ICT220 or Ingenico ICT250. Each model differs from the others: some have a contactless reader while others may not, and screens, memory and features vary.
Payment Systems
After Russia invaded Ukraine, Visa and Mastercard suspended services for sanctioned Russian banks. This post explains the impact on cardholders and merchants, and Russia's MIR and UnionPay alternatives.
Agentic Commerce
Points or habit? Loyalty programs are built on steering human behavior. But if an AI agent starts shopping on our behalf, do points and campaigns still work the same way?
Clearing
In card transactions via POS/ATM, when the card-issuing bank differs from the POS/ATM bank (Not Onus), the transaction is subject to clearing. Below, POS can also mean ATM. Is the clearing system a single type? No...
Merchant & POS
To accept a card brand such as Mastercard or Visa, a POS must be certified for that brand. Which brands a POS accepts is the bank's decision.
Payment Systems
If users start describing their needs instead of searching for products, one of the internet economy's most fundamental habits could change.
Credit Card
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.
Credit Card
It is common for logos to include the brand's name. However, many major brands that shape their industries use only their own symbol, without any name. Apple, Nike, and Target are examples of category leaders who rely solely on their logo.
Merchant & POS
There are many players in the POS and OKC (Payment Recording Device) market in Turkey. Some of these companies are foreign, while others are domestic. Let's get to know these companies: Ingenico, Verifone, Interpay (PAX), and more.
Payment Systems
The BRSA has published a draft regulation amending the Regulation on Debit Cards and Credit Cards. It introduces the card scheme definition, a customer right to choose the card scheme, and an obligation for acquirers to define licensed schemes on merchant POS devices.