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"warning list"

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Illustration of a point-of-sale terminal checking a card against a warning list

Merchant & POS

What is the Combined Warning List (BUL)?

The Combined Warning List (BUL) lists card numbers the issuer wants blocked (lost, stolen, counterfeit, etc.), which acquiring merchants check within certain limits, at their own risk, when online authorization cannot be obtained.

Diagram of internet banking security showing a login screen protected by a padlock

HSM & Security

What Should Be Done to Ensure Internet Banking Security?

In the past, banking meant going to a branch. Today, most transactions run through channels such as the Internet Branch, ATM and Mobile Branch, so improving internet banking security and regularly informing customers about it is important.

Example of a POS receipt showing a warning for a foreign card transaction

Merchant & POS

Is Identification of Foreign Customers on POS Receipts Mandatory?

Yes, it is mandatory. This requirement was introduced to prevent fraud. To fulfill their obligations regarding identification of foreign customers, banks must make one of several arrangements on receipts, such as bilingual descriptions or an explicit foreign card warning.

Illustration of a surcharge fee added to a card payment transaction

Merchant & POS

What is a surcharge?

A surcharge is a fee, charge, or tax added to the cost of a good or service. In payment systems, it refers to adding the merchant's transaction commission to the cash sale amount on credit card transactions, resulting in a higher charge.

Illustration representing MCC codes used to classify merchants by category

Merchant & POS

What Is an MCC Code Used For?

Since the MCC code is a merchant's category code, it's critical for the checks performed during merchant onboarding and authorization, including campaigns and restrictions.

Illustration representing the products and services KKB offers directly to its member institutions

Credit Card

What Products and Services Does KKB Offer Directly to Members?

KKB was established, under banking law, to enable the exchange of all kinds of information and documents among at least five banks, and it also shares credit information about customers. The Credit Bureau of Turkey also serves deposit banks, participation banks, financial institutions, and more.

Diagram of a partial authorization where an issuer approves only part of the requested amount

Merchant & POS

What Are the Partial Authorization Requirements for an Acquirer Bank?

Partial authorization lets an issuer approve part of the requested amount when the card lacks the full balance, with the rest paid another way. This post covers the technical, receipt, clearing, reconciliation, merchant and certification requirements for acquirers.