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Enhancing Payment Security and Sovereignty in Turkiye

Troy is a national card payment scheme introduced by the Interbank Card Center (BKM) of Turkey. Designed to bolster payment security and promote financial independence, Troy provides a range of payment solutions, including debit cards, credit cards, and contactless payments, tailored to the Turkish market’s unique needs.

% of coverage
  • Country


  • Population

    Approximately 85 million (as of 2023)

  • Digital Payment Adoption

    Increasing, with a focus on local solutions for security and convenience

% of coverage
  • Troy Cards:


  • Visa Cards


  • Mastercards


Payment Method Overview
  • Type:National Card Payment Scheme
  • Accepted CurrenciesTurkiye Lira (TRY)
  • % of coverage:71% of the population (2022)
  • Refunds:Subject to the policies of partnering merchants and financial institutions
  • Chargebacks:Possible through collaborating banks, subject to terms and conditions

About payment system

Troy serves as a testament to Turkiye’s dedication to strengthening payment security and fostering financial autonomy. As a national card payment scheme, Troy offers a suite of payment solutions that prioritise local infrastructure and partnerships.

Troy cards, including debit and credit cards, provide users with a secure and seamless way to make payments at a variety of merchant locations, both online and offline. With an emphasis on contactless payments, Troy contributes to a faster and more convenient payment experience.

Troy’s localised approach aligns with Turkey’s vision for payment sovereignty and the development of its financial ecosystem. By relying on domestic payment solutions, Turkiye reduces its dependence on international card networks, promoting economic self-reliance.

The card payment scheme’s commitment to security and innovation is reflected in its adoption of the EMV standard, encryption technologies, and multi-factor authentication. These measures not only protect users’ financial data but also instil confidence in the broader payment landscape.

Troy’s journey highlights Turkiye’s drive to create a more secure, efficient, and self-sufficient payment environment. As the country continues to advance its digital economy, Troy remains a pivotal element in shaping how Turkiye consumers and businesses engage in financial transactions, setting a foundation for a more robust and sovereign payment ecosystem.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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