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Akbank (Axess)

Country: Turkey (TR)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 45%

Akbank is one of Turkey's leading commercial banks, featuring the popular Axess installment card program and Akbank Direkt online banking widely used for electronics, automotive, education, and brand e-commerce.

🔄 User Payment Flow

  1. Customer inputs Axess / Wings card number on merchant payment page
  2. Customer selects preferred installment structure
  3. Customer completes 3DS authentication via Akbank Mobil app approval or SMS OTP
  4. Card balance / Chip-para rewards are updated instantaneously

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant submits payment payload to Akbank Sanal POS or aggregator
  • Akbank evaluates transaction risk and completes 3DS card verification
  • Authorization code is returned with installment settlement terms
  • Merchant receives confirmation and ships order