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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
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.
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.
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%.
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.
Merchant & POS
Cash on delivery means paying for an online order at the moment of delivery, usually in cash, though some e-commerce sites also accept card payment at the door. It boosts sales and builds trust, but carries risks like missing POS terminals and refused deliveries.
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.
E-commerce
Dropshipping is an e-commerce model in which products are sold to customers directly from a supplier, without holding stock. Instead of stocking goods, the seller buys from a third-party provider on demand and has it shipped straight to the customer.
Online & Authorization
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.