Bank transfers & instant payments · Available
Havale / EFT (Turkey)
Havale (a transfer within one bank) and EFT (between banks) are Türkiye's everyday bank transfers and the main alternative to cards for high-risk and cross-border merchants: the checkout shows the provider's account details, the payer transfers the exact amount from their banking app, and the provider confirms on receipt. There are no chargebacks, and payouts go to any Turkish IBAN.
Key facts
- Countries
- Türkiye
- Currencies
- TRY
- Operations
- Pay-in · Payout
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout shows the account details, the amount and a reference
- 2The payer sends the transfer from their banking app
- 3The provider matches the incoming transfer by reference and amount
- 4Webhook to the merchant; unmatched transfers are refunded
How a payment goes through
- The checkout shows the account to pay to, the amount and a reference.
- The payer sends the transfer from their banking app.
- The provider matches the incoming transfer and confirms.
- Tranzify writes the result and calls the merchant’s webhook.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
Industries
Frequently asked questions
How fast is confirmation?+
FAST transfers arrive within seconds around the clock; classic EFT settles in business hours. The provider confirms when the money is on its account.
Why do high-risk merchants use Havale?+
No chargebacks, high limits and acceptance by every Turkish bank account holder.
Who is the licensed party?+
A Turkish payment or e-money institution licensed by the central bank, from the catalogue; Tranzify supplies the software.
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