Cards · On request
Troy
Troy is the domestic card scheme of Türkiye, launched in 2016 by BKM, the Interbank Card Center of the Turkish banks: Turkish banks issue Troy debit and credit cards next to Visa and Mastercard, and at home the cards pay in lira. Online a Troy payment is authenticated through 3-D Secure, can be split into instalments on a credit card as Turkish payers expect, and is authorised in seconds; disputes follow the scheme's chargeback rules.
Key facts
- Countries
- Türkiye
- Currencies
- TRY
- Operations
- Pay-in · Payout · Recurring · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
How a payment goes through
- 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
- 2The vault stores a token; routing picks the acquirer by BIN, country and amount
- 33-D Secure when the issuer asks; the acquirer authorises
- 4Callback to the merchant, status in the journal for five years
How a payment goes through
- The checkout takes the card on the payment form and recognises a Troy BIN, or uses a saved token; on a credit card the payer may pick the number of instalments.
- The issuing bank authenticates the payer through 3-D Secure.
- The provider authorises the payment on the Troy network in seconds; settlement follows T+1.
- Tranzify writes the result and calls the merchant’s webhook.
Troy against international cards in Türkiye
| Troy | Visa / Mastercard | |
|---|---|---|
| Operator | BKM, since 2016 | the international schemes |
| Cards | debit and credit cards from Turkish banks, for payments in lira | debit and credit cards, also abroad |
| Authentication | 3-D Secure | 3-D Secure |
| Instalments | yes, on credit cards | yes, on Turkish credit cards |
| Settlement | T+1 | T+1 |
| Chargebacks | scheme rules | scheme rules |
| Recurring | yes, with tokens | yes, with tokens |
For the payer a Troy card works like any other card; for the checkout it is a BIN range that has to be recognised and routed to a provider that acquires Troy, otherwise the payment is declined and the payer turns to a transfer or another card.
Who uses it
E-commerce and delivery for everyday purchases in lira; digital goods and travel for larger purchases paid in instalments. A client (a payment company) enables SmartFlow for Troy under its own contract; the integration is enabled on request. Refunds go back to the card through the same provider.
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
On request — Request this integration
Industries
Frequently asked questions
Is a Troy card accepted abroad?+
Are instalments possible?+
Are there chargebacks, recurring charges and refunds?+
Related methods
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements