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Yapı Kredi (Worldcard)

Country: Turkey (TR)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 50%

Yapı Kredi is a premier commercial bank and credit pioneer in Turkey, featuring its market-leading Worldcard loyalty and installment ecosystem widely used for retail e-commerce, home electronics, and travel bookings.

🔄 User Payment Flow

  1. Customer enters Worldcard credentials at merchant checkout
  2. Customer selects desired installment plan (Taksit) and point-redemption option
  3. Customer completes 3D Secure authentication via Yapı Kredi Mobil notification or SMS
  4. Transaction is approved and World points are credited/redeemed

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls Yapı Kredi POS/VPOS API with transaction details and installment choice
  • Yapı Kredi authorizes cardholder credit
  • Gateway captures transaction and applies Worldcard merchant campaign benefits
  • Merchant updates transaction to Paid status