Qitero Qitero

İşbank (Maximum)

Country: Turkey (TR)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 55%

İşbank is the largest private commercial bank in Turkey, featuring its flagship Maximum credit card installment network and İşCep direct mobile banking widely used for retail purchases, airline tickets, and major consumer financing.

🔄 User Payment Flow

  1. Customer selects İşbank / Maximum at merchant checkout
  2. Customer chooses direct debit or installment tenor (2 to 12 installments)
  3. Customer completes authentication via İşCep push confirmation or SMS OTP
  4. Bank account or credit card limit is captured in real-time

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant submits authorization request to İşbank Virtual POS (Sanal POS)
  • İşbank authenticates customer with 3D Secure or İşCep
  • Bank confirms authorization and applies merchant installment terms
  • Merchant receives response and confirms customer order