Sources: central bank, BKM and provider disclosures, 2024–2025.
How Türkiye pays
Türkiye is a card market with a habit of its own: shoppers expect to split a credit card purchase into taksit, monthly installments offered by the issuing bank, and checkouts that hide them lose orders. Alongside Visa and Mastercard sits TROY, the domestic card scheme run by the interbank card center BKM, and 3D Secure is routine on Turkish online card payments. For transfers, the central bank's FAST system moves lira between accounts instantly.
With a large, young and mobile-first population, Türkiye is one of the region's biggest e-commerce markets, and lira volatility makes local pricing and FX a real concern. For a merchant, the value is a checkout that fits: cards and wallets behind one integration, 3DS on card-not-present payments, and routing and retries across acquirers to protect approvals, with lira pricing and settlement in your base currency.
Why merchants run on us here
Built for installments
Turkish shoppers split purchases into taksit, so routing to acquirers that carry them protects conversion.
3DS as standard
3D Secure is routine on Turkish card-not-present payments, applied cleanly at every checkout.
Domestic and global cards
Visa and Mastercard alongside the domestic TROY scheme issued by Turkish banks.
Lira pricing and FX
Price in TRY and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Türkiye
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Türkiye like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Türkiye through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Turkish lira (TRY) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Türkiye?
Talk to our payments team about going live in Türkiye — coverage, local acquiring, settlement and timelines for your business.