Troy
国家/地区: 土耳其 (TR) | 底层清算轨道: card_network
Card
市场普及率: 75%
Troy（Türkiye'nin Ödeme Yöntemi）是土耳其银行卡中心（BKM）发起的土耳其国民级银行卡支付网络，在土耳其本土借记卡、信用卡清算与线下 POS 消费中占据主导地位，以本土银行全覆盖、低费率与支持信用卡无息分期（Taksit）和自动代扣为优势，广泛用于电商网购支付、线下零售及 SaaS 订阅。
🔄 用户付款交互流 (User Flow)
- Customer selects Card / Troy payment option at merchant checkout
- Customer enters 16-digit Troy card number, expiry date, and CVV
- Customer verifies via 3D Secure SMS OTP sent by issuer bank
- Issuer bank clears transaction and confirms payment to merchant
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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