Kart hamiline ödeme, banka veya kredi kartı hizmetlerinden yararlanan kişinin, yani kart hamilinin, alışverişte ödeme yapması durumunda, bu ödemenin kart çıkaran kuruluş tarafından karşılanacağını ifade eder. Kart hamili, kartın sahibi olmayıp, sadece kullanıcısıdır.
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