Qitero Qitero

Troy

Country: Turkey (TR)  |  Payment Rail: card_network

Card Market Adoption: 75%

Troy is Turkey's national card payment scheme created by BKM, powering domestic credit and debit cards, installment payments, and recurring merchant debits.

🔄 User Payment Flow

  1. Customer selects Card / Troy payment option at merchant checkout
  2. Customer enters 16-digit Troy card number, expiry date, and CVV
  3. Customer verifies via 3D Secure SMS OTP sent by issuer bank
  4. Issuer bank clears transaction and confirms payment to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API passes Troy card payload to acquiring gateway (iyzico / PayU Turkey / Stripe)
  • PSP triggers 3D Secure authentication flow with BKM / issuer bank
  • PSP receives authorization callback and confirms merchant order status