Payment methods in Türkiye

The market

Turkish cards are everywhere and almost always come with instalments, which the acquirer must support at the checkout and in settlement; Visa and Mastercard carry the bulk of online retail. The second rail is the bank transfer: Havale within one bank and EFT between banks, both instant and round the clock since the TCMB launched its FAST system in 2021. For iGaming, forex and crypto merchants Havale/EFT is the main deposit method: the payer transfers from the banking app, the provider matches the incoming transfer to the order, and there is no chargeback.

How Tranzify clients launch

A client enables the Turkish providers from the catalogue — SafePay and PusulaPays for Havale/EFT, SmartFlow for Visa and Mastercard — under its own contracts and licence; all three are live. The checkout shows Havale/EFT first where the audience expects a transfer and cards first for retail; routing by amount and BIN picks the route, and a transfer that is not matched in time cascades to a card form. Every payment is journaled for five years, and the client’s system gets the final status by webhook. Türkiye is live in the catalogue.

Havale/EFT in practice

A Havale/EFT deposit is a transfer the payer makes by hand, so the provider gives a dedicated account and a reference, and the orchestration keeps the order open until the transfer is matched. SafePay and PusulaPays also pay out over the same rail, so a withdrawal reaches a Turkish account in seconds; instalment cards settle through SmartFlow at T+1, with chargebacks under the scheme rules.