pangakaardi
Pangakaardi is a term used to describe a payment card issued by a bank or financial institution that enables electronic transactions. A typical pangakaardi includes a card number, expiration date, cardholder name, and security features such as a magnetic stripe or EMV chip. It may be linked to a bank account, a credit facility, or a prepaid balance.
Types commonly include debit cards, which withdraw funds directly from an account; credit cards, which extend
Transactions are processed through payment networks such as Visa or Mastercard or local equivalents. The merchant’s
Security features include personal identification numbers (PINs), card verification codes (CVV), and real-time fraud monitoring. Modern
Advantages of pangakaardi include convenience, broad acceptance, and, for some users, rewards or cashback. Drawbacks include
Regulation and standards are set by governments and payment networks. Issuers must comply with consumer-protection rules,