PayLens /Markets
Türkiye
TRY85.665 MSouth-Eastern-Europe
Payment mix at the point of sale · 2020
Cash 89.5%
- Cash89.5%
- Cards10.4%
Cash settles 89.5% of payments here, the 1-highest of 19 tracked markets.
Key figures
Accepted methods · 7
TROY· domesticVisaMastercardAmerican ExpressUnionPayJCBDiners Club / Discover
What applies here
- Interchange
- Outside the EU Interchange Fee Regulation; no statutory interchange cap applies. Domestic card transactions clear and settle through BKM's Domestic Clearing and Settlement System (YTH), and BKM holds a payment system operator licence granted by the CBRT (decision of 12 June 2015).
- Surcharging
- The PSD2 Art. 62(4) surcharging ban does not apply (Türkiye is outside the EU/EEA). Turkish practice is governed by the Bank Cards and Credit Cards Law No. 5464.
14providers with a tracked share
Who, and at what shareHeadquartered here · 17
AkbankAlbaraka TürkBileşim Finansal Teknolojiler ve Ödeme SistemleriBKMDenizBank
Garanti BBVAHalkbank
İş Bankası
iyzicoPavo+7
Garanti BBVAHalkbankİş BankasıiyzicoPavo+7PayLens Radar
The newsletter on European payments: the week in five minutes. The developments that matter, curated and sourced, every Tuesday in your inbox. Free, no account needed.
Next issue in
––days
––hrs
––min
––sec
Sources: data.bis.org·dergipark.org.tr·ec.europa.eu·tcmb.gov.tr
Data as of 28 Sep 2026·Compare all 22 markets