Qitero Qitero

Ziraat Bank (Bankkart)

Country: Turkey (TR)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 50%

Ziraat Bank is the largest state-owned commercial bank in Turkey, featuring the universal Bankkart combo card network and nationwide banking reach widely used for public utilities, government payments, agricultural trade, and retail e-commerce.

🔄 User Payment Flow

  1. Customer selects Bankkart / Ziraat Bank at merchant checkout
  2. Customer inputs card credentials or logs in via Ziraat Mobil internet banking
  3. Customer chooses debit deduction or credit installment plan
  4. Customer verifies transaction via 3D Secure SMS OTP or Ziraat Mobil app approval
  5. Order is confirmed immediately

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls Ziraat Bank Virtual POS (Sanal POS) API
  • Ziraat Bank processes card/account authorization
  • Transaction status is confirmed with clear reconciliation reference
  • Merchant fulfills order upon receiving capture notification