| Subject | English | Azerbaijani |
| comp., MS | payment instrument | ödəniş aləti (The actual physical or virtual object that facilitates a purchase or transaction, such as a physical credit card, financial services account, or payment escrow service account) |
| comp., MS | payment instrument challenge | ödəniş aləti tələbi (A fraud prevention mechanism that attempts to verify that an individual using a payment instrument is authorized to use or is the owner of that instrument) |