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Payment integration for the Turkish market

Turkish shoppers expect installments (taksit) and 3D Secure. We integrate local payment providers so checkout feels native.

Not legal or tax advice. KOD16 is a technical implementation partner. Legal and tax opinions come from our partner Turkish accountants (mali müşavir) and law firms.

What we deliver

  • Provider shortlist: licensed institutions (checked in the TCMB list) and bank virtual POS
  • Installment table by card BIN with total cost per option
  • 3D Secure redirect or iframe flow with server-side verification
  • Refund and cancel logic (same-day cancel vs later refund)
  • Daily settlement reconciliation with orders and e-invoices
  • Storage rules: masked PAN only, never full card numbers

Payment flow

create payment (TRY, basket, installments, idempotency key)
→ 3DS redirect → bank → callback
→ verify signature server-side, query status
→ mark paid → issue e-Arşiv / e-Fatura
→ reconcile daily settlement

Frequently asked questions

Can I use my global payment provider?

Often only with a local acquiring partner for domestic cards and installments. We check what your provider supports in Türkiye before you commit.

Are installment limits regulated?

Yes. Banking regulation (BDDK) sets installment caps and excluded categories. We implement the current caps your provider applies.

Official sources

Links checked on 28 October 2026. Laws, rates and thresholds change; always confirm the current text.

Planning a launch in Türkiye or fixing a live integration? Send us your stack and timeline; the KOD16 team replies within one business day.

Request an assessmentinfo@kod16.com.tr