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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.

Diagram illustrating card fraud and forgery in card payments

Security

What Is Forgery in Card Payments?

Forgery in card payments means transactions made with card details without the cardholder's knowledge, or purchases with counterfeit or stolen cards. Merchants cannot eliminate fraud and chargeback risk, but they should aim to reduce it to reasonable levels.

Smart Payment Association (SPA) logo

Payment Systems

What is SPA (Smart Payment Association)?

The Smart Payment Association (SPA) is the trade association of the smart payments industry. It provides leadership and expert guidance to help members and customers realize smart, secure and personalized payment systems and services, now and in the future.

Illustration representing an AI agent making a payment

Agentic Commerce

Agentic Commerce Series – Part 4

Are We Ready to Give an AI Agent the Authority to Make Payments? Having long looked at complaint and dispute processes in payment systems, I think granting an agent payment authority is far different from research or product selection.

Starling Bank vertical credit card design

Credit Card

Vertical Revolution in Credit Cards

The payment card industry is arguably the sector most affected by technology and the quickest to adapt new developments. With mobile devices, payment systems have changed a lot - we now prefer using our credit cards virtually rather than physically.

ÖDED Payment and Electronic Money Association

Payment Institutions & E-Money

What Is ÖDED?

ÖDED (Payment and Electronic Money Association) is the only industry association representing the payment and electronic money institutions operating in Türkiye under Law No. 6493.

Diagram illustrating EMV Level 1, Level 2, and Level 3 certification stages for payment terminals

Merchant & POS

What Are EMV Level 1, Level 2, and Level 3 Certifications?

The EMV Level 1 standard refers to an important global payment industry specification defining the electrical and physical interface between credit and debit cards and the payment terminal (ATM/POS). The EMV Contactless Level 1 certification guarantees that the device…