MERCHANTS

Credit Card

  • chip&PIN

    What is chip&PIN ?

    chip&PIN is a new payment method that minimizes the risk of credit card fraud by preventing counterfeiting and loss/theft.

    In this method, the chip in the credit card reduces the risk of being copied and the 4 digit PIN prevents others from using the card in the event of loss or theft. For detailed information: www.chipandpin.com.tr

    How to conduct a chip&PIN credit card transaction?

    1. Insert the credit card into the POS device!
    Depending on the POS type, place the credit card into the chip reader, with the chip side towards you and inside the POS device. If you conduct the transaction by swiping the magnetic stripe, POS will forward you to the chip reader.

    2. After the transaction amount has been entered, ask the customer to enter his/her PIN (Personal Identification Number) into the POS device or the PINPAD!
    The customer should enter his/her PIN on its own. Entering PIN on behalf of the customer is not recommended. Then follow the instructions on the display. POS device will guide you through the transaction step by step.

    3. Do not take out the card from the POS device during the transaction!
    Remember, the chip card must stay in the chip reader until the transaction is completed. Otherwise, the transaction is interrupted and needs to be repeated.

    4. Transaction is completed!
    Take out the card from the reader and make the customer sign the slip that you will keep if there is a signature line. If not, return the card to the customer with the customer copy of the slip, without asking for a signature.

    Guidelines for PIN security

    • PIN (Personal Identification Number) is private and confidential.
    • The customer should enter his/her PIN personally. Entering PIN on behalf of the customer is not recommended. Such an offer must be refused even if requested by the customer.
    • Customers should be asked to conduct the transaction by entering their PIN. They should be advised that the transaction would be completed more securely by doing so.
    • Kindly ask your customers to "enter their PIN", instead of asking their PIN.

    Liabilities of merchants

    By the implementation of the chip&PIN method, in the event of any disagreement about the transactions made (due to loss/theft or credit card fraud), the party that does not comply with chip&PIN, or, in other words, that has conducted the transaction in a faulty or incomplete manner shall be the liable party. MasterCard and Visa use the term "liability shift" for this practice.

    During this period, the merchant must accelerate the transition process to the new system and ensure that all the details are carried out carefully.

    Customers with chip cards must be encouraged to use their PIN.

    For more information: www.chipandpin.com.tr

    You may either pay the whole of the amount on the deadline or after paying the minimum amount to be paid as per your bank's appreciation, you may credit the remaining amount with a certain credit interest rate.

  • Card acceptance instructions for merchants

    Card payment systems are developing more and more and becoming an inseparable part of the daily life in Turkey. Some of the rules that the merchants should respect for the security and development of these systems are like the following:

    • In card transactions other than the ones conducted by entering PIN, the signing line on the slip must be signed by the cardholder. The identity of the signature of the cardholder must be checked with the signature on the back of the card. (During some transactions where a password PIN is entered, signing the slip for a while may be required. As a rule, in any case where a signature is required, the transaction must be conducted as having the abovementioned checks done.)
    • Validity of the expiration date of the card must be checked.
    • No fees or commissions must be charged on the amount of the goods purchased.
    • In discount sales, cardholders must not be asked for any extra fees or commissions.
    • The card number of the sales receipt given by the POS device must be checked with the one on the front of the credit card and the details on the slip must be checked for a compliance with the card.
    • The customers that use credit card must be asked to show their ID in suspicious events or whenever required.
    • Cards must be checked whether they carry the required security features on them. In suspicious cases, the contracting bank must be called.
  • Physical security features of credit cards

    Visa Card

    When the VISA credit card is examined under the UV Light, the following "pigeon" figure appears on the card.

    MasterCard Cards

    When the MasterCard credit card is examined under the UV Light, the following "M and C letters" appear on the card.

    American Express Card

    When the MasterCard credit card is examined under the UV Light, the following "M and C letters" appear on the card.

  • Links

    Members

    AKBANK T.A.Ş. www.akbank.com.tr
    AKTİF YATIRIM BANKASI A.Ş. www.aktifbank.com.tr
    ALBARAKA TÜRK KATILIM BANKASI A.Ş. www.albarakaturk.com.tr
    ALTERNATİFBANK A.Ş. www.abank.com.tr
    ANADOLUBANK A.Ş. www.anadolubank.com.tr
    ASYA KATILIM BANKASI A.Ş. www.bankasya.com.tr
    CITIBANK A.Ş. www.citibank.com.tr
    DENİZBANK A.Ş. www.denizbank.com.tr
    EUROBANK TEKFEN A.Ş. www.eurobanktekfen.com
    FIBABANKA A.Ş. www.fibabanka.com.tr
    FİNANSBANK A.Ş. www.finansbank.com.tr
    HSBC BANK A.Ş. www.hsbc.com.tr
    ING Bank www.ingbank.com.tr
    KUVEYT TÜRK KATILIM BANKASI A.Ş. www.kuveytturk.com.tr
    PROVUS BİLİŞİM HİZMETLERİ A.Ş. www.provus.com.tr
    ŞEKERBANK T.A.Ş. www.sekerbank.com.tr
    T. GARANTİ BANKASI A.Ş. www.garanti.com.tr
    T. HALK BANKASI A.Ş. www.halkbank.com.tr
    T. İŞ BANKASI A.Ş. www.isbank.com.tr
    T. VAKIFLAR BANKASI T.A.O. www.vakifbank.com.tr
    T.C. ZİRAAT BANKASI A.Ş. www.ziraat.com.tr
    TEKSTİL BANKASI A.Ş. www.tekstilbank.com.tr
    TURKISH BANK A.Ş. www.turkishbank.com
    TURKLAND BANK A.Ş. www.turklandbank.com/tr-TR
    TÜRK EKONOMİ BANKASI A.Ş. www.teb.com.tr
    TÜRKİYE FİNANS KATILIM BANKASI A.Ş. www.turkiyefinans.com.tr
    YAPI VE KREDİ BANKASI A.Ş. www.yapikredi.com.tr

    Revelant Organisations

    T.C. MERKEZ BANKASI www.tcmb.gov.tr
    BANKACILIK DÜZENLEME VE DENETLEME KURUMU www.bddk.org.tr
    BANKALAR BİRLİĞİ www.tbb.org.tr
    KREDİ KAYIT BÜROSU www.kkb.com.tr
    ORTAK NOKTA GRUBU www.ortaknokta.com
    VISA TÜRKİYE www.visa.com.tr
    VISA INTERNATIONAL www.visa.com / www.visaeu.com
    MASTERCARD INTERNATIONAL www.mastercardeurope.com
    MASTERCARD TÜRKİYE www.mastercard.com.tr
    AMERICAN EXPRESS www.americanexpress.com
    DINERS CLUB www.dinersclub.com
    JCB www.jcbusa.com