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E-commerce
AI agents are moving beyond answering questions to searching, deciding, and paying on behalf of users. This post explains Agentic Commerce and what it means for payment systems, digital wallets, e-money institutions, banks, and fintechs.
Laws & Regulations
Under the Directive, it is clear that some e-commerce platforms should be within scope. Whether a platform counts as a payment institution depends on its business model.
Merchant & POS
E-Commerce can briefly be described as the sale and purchase of products over the internet, a term used since 1969. Virtual POS operates behind e-commerce transactions, which take place at different levels: Non 3D, Half 3D, and Full 3D Secure.
Merchant & POS
A reader asks whether a payment request taken at a customer's request should be sent as an e-commerce transaction, and what really separates Mail Order from E-commerce authorization.
Security
E-commerce has grown significantly in recent years, and so have negative experiences and concerns about trust. This post summarizes the basic consumer rights under Law No. 4077: the right of withdrawal, cargo delivery rights, defective products and the Consumer Arbitration Committee.
Credit Card
If you can't use your card for e-commerce transactions abroad, first check that e-commerce authorization is enabled, that 3D Secure has been set up, and that your bank's authorization system is active. The issue may also originate from the merchant's bank.
Credit Card
First, your card must be enabled for e-commerce transactions, with domestic and international authorizations usually managed separately. Second, your card must be eligible for 3D Secure transactions.
E-commerce
Can a product bought online be returned, and under what conditions? This post explains the 14-day right of withdrawal in Turkey and the cases in which Law No. 6502 on Consumer Protection removes the right of return.
Security
In online shopping, converting product browsing into a completed sale after a customer visits your site is just as critical. The amount of purchases abandoned due to friction in the online buying process often exceeds successful sales.
Payment Systems
ETBİS (Electronic Commerce Information System) is the system launched on 04/12/2017 so that e-commerce businesses are reachable and e-commerce data can be tracked reliably. Businesses must register before starting.
Credit Card
Legally, e-commerce sites should not store card details in their own systems; they should only use them when sending transactions. Unfortunately, some sites do not follow this rule.
Credit Card
About 90% of payment schemes print card numbers with 16 digits. But 90% producing 16-digit cards should not turn into a rule that card numbers are always 16 digits. Web payment forms must also account for the remaining 10%.