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BKM Express

Country: Turkey (TR)  |  Payment Rail: card_network

DigitalWallet Market Adoption: 60%

BKM Express is the national digital wallet operated by the Interbank Card Center (BKM) in Turkey, featuring card-tokenized frictionless checkout without sharing sensitive card details widely used for e-commerce, utilities, and mobile apps.

🔄 User Payment Flow

  1. Customer selects BKM Express at checkout
  2. Customer logs in with registered BKM Express credentials or mobile number
  3. Customer chooses their preferred stored bank/credit card and installment plan
  4. Customer enters one-time SMS verification code sent by BKM Express
  5. Payment is authorized instantly without merchant seeing card number

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant creates BKM Express payment session via POS integrator or BKM gateway API
  • Customer completes tokenized card authorization on BKM interface
  • BKM Express settles with the issuing bank POS
  • Merchant receives success notification and fulfills purchase