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Payment Cards
Payment Cycle
Introduction
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Card Payment Cycle
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Across The Payments
Spectrum
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Supported card product types
Credit Revolving
Charge
ebit
Corporate
Pre!paid
Instalments
"##inity Cards
Pro$y % &irtual Cards 'e!Card(
Private label
'pro#iled cards(
Co!)randed Cards
Payroll Cards
*ealth Cards
Remittance Cards
+ravel Cards
,i#t Cards
Custom -lectronic
Purse
Support issuance of Magnetic stripe and Chip (VSDC/M/Chip) cards:
bs@bulentsenver.com .
Credit Card
"uthorisation and Clearing
System /lo0
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Credit Card
Authorisation and Clearing
Types
2
1. 3ocal Card used in Counrty 4n!3ine
2
2. 3ocal Card used in Counrty 4n!3ine! 4n!5s
2
3. 3ocal Card used in Counrty 4##!3ine
2
4. 3ocal Card used outside o# Counrty ! 6ethod 1
2
..3ocal Card used outside o# Counrty ! 6ethod 2
2
1. /oreign Card used in Counrty 7 6ethod 1
2
8./oreign Card used in Counrty 7 6ethod 2
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BKM Switch System
BANK-A
ACQUIRER
BANK-B
ISSUER
BANK-C
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BKM A..
Approe/!e"ect
Credit Card of B Bank PS machine of A Bank
I want to
!ay with
my Credit
Card
Credit Card #n$%ine Authorisation
BANK-A
ACQUIRER
BANK-B
ISSUER
Approe/!e"ect
Approe/!e"ect
6erchant
Card
*older
3ocal Card
used in
+ur:ey
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BKM A..
Approe/!e"ect
Credit Card of B Bank PS machine of B Bank
"#ER"
I want to
!ay with
my credit
card
Authorisation if &ssuing 'an(
can not respond to ')M *uery
BANK-A
ACQUIRER
'ased on Predetermined %imits
Approed +y &ssuing 'an( to +e used
in case of lac( of communication of ')M
,ith the ac*uiring +an(
Approe/!e"ect
6erchant
3ocal Card
used in
+ur:ey
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Approe/!e"ect
Credit Card of A Bank
PS machine of A Bank
I want to
!ay with
my credit
card
#n$-s Transactions
BANK-A
ACQUIRER
6erchant
3ocal Card
used in
+ur:ey
Card *older
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11
BKM A..
Approe/!e"ect
&ssuing 'an( routes it first to')M and
')M routes it to Visa or MasterCard
Method .
BANK-B
ISSUER
VISA/MC
Approe/!e"ect
Approe/!e"ect
& am a
Tur(ish
citi/en0 &
,ant to use
my card
outside of
Tur(ey
Approe/!e"ect
3ocal Card
used
outside o#
+ur:ey
3ocal
Card
*older
/oreign 6erchant
&nternational
Authorisation Process
is e1ecuted
)=6 can only handle the "uthorisation.
Cleaing and Settlement should be done
0ith &IS" and 6asterCard
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12
Approe/!e"ect
&ssuing 'an( routes it directly to Visa or MasterCard
Method 2
BANK-B
ISSUER
VISA/MC
Approe/!e"ect
Approe/!e"ect
& am a
Tur(ish
citi/en0 &
,ant to use
my card
outside of
Tur(ey
3ocal Card
used
outside o#
+ur:ey
3ocal
Card
*older
/oreign 6erchant
&nternational
Authorisation Process
is e1ecuted
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BKM A..
Approe/!e"ect
Credit Card of a $orei%n Bank PS machine of A Bank
"#ER"
&f &ssuing 'an( is not a %ocal 'an( the Ac*uiring 'an(
routes it first to')M and
')M routes it to Visa or MasterCard
Method .
BANK-A
ACQUIRER
VISA/MC
Approe/!e"ect
Approe/!e"ect
& am a
foreigner0 &
,ould li(e
to pay ,ith
my credit
card in
Tur(ey
6erchant
Approe/!e"ect
/oreign Card
used
in +ur:ey
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14
Approe/!e"ect
Credit Card of a $orei%n Bank PS machine of A Bank
&f &ssuing 'an( is not a %ocal 'an(
Ac*uiring 'an( routes it directly to Visa or
MasterCard
Method 2
BANK-A
ACQUIRER
VISA/MC
Approe/!e"ect
Approe/!e"ect
& am a
foreigner0 &
,ould li(e
to pay ,ith
my credit
card in
Tur(ey0
6erchant
/oreign Card
used
in +ur:ey
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ISSUER
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ebit Card 4nline P4S "uthorisation /lo0
'omestic ? International(
Cardholder
BKM
Issuer
(Authorisation Institute)
omestic Purchase
International
"uthorisation
omestic "uthorisation
')=6 IS49.93 #ormat(
Merchant
&isa%6asterCard
International Purchase
Payment Schemes:
MasterCard
Visa
Acquirer
International
"uthorisation
International
"uthorisation
omestic "uthorisation
')=6 IS49.93 #ormat(
International
"uthorisation
')=6 IS49.93 #ormat(
International
"uthorisation
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ebit Card 4nline Clearing ? Settlement /lo0
'omestic(
Cardholder
BKM
Issuer
omestic Purchase
omestic Clearing
')=6 #ormat(
>et Settlement
Merchant Acquirer
omestic Clearing
')=6 #ormat(
omestic Clearing
')=6 #ormat(
>et Settlement
Central
Bank*
@ "ll "cAuirers ? Issuers including )=6 have Clearing )an: accounts 0ithin the Central )an:B there#ore #unds simply trans#er bet0een accounts.
>et Settlement
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3D Secure
Storefront APIs
Reporting
Fraud Protection
Payment
'an(s
'an(s
Secure e-Payment Infrastructure
Customer
3ST Secure e$Payment
4ate,ay
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/uture o# Payments
2 /urther erosion into cash and other non card payments
2 >eed to ensure balance bet0een parties to #oster gro0th
2 Ris: 0ill continue to be maCor concern
2 Regulators 0ill continue to oversee
2 >e0 technologies and channels
7 6obile
7 &oice
7 Contactless
7 -!payment
7 6a$imisation o# the chip on the card