# Turkey local processing and card support

## Overview

Turkey is experiencing rapid eCommerce growth, thanks to a series of various improvements across different fields. With half of the country's population having Internet access, the e-commerce scene benefits from **over 35 million Internet users**. This leads to online transactions made by over 10 million shoppers.

However, online orders in Turkey are still very focused on the domestic market, with only 1 in 5 customers considering international shopping.

## Key payment methods

Credit cards are the Turks' preferred payment method, amounting to roughly **90% of purchases**. The remaining purchases are paid for with **cash (5%)**, **e-wallets (3%),** and **debit/prepaid cards (2%)**.

In Europe, Turkey holds the second and third positions (after the UK) regarding the highest penetration rates for credit and debit card usage, with over **58 million credit cards** and over **89 million debit cards**.

## Local processing

Since nearly **20% of Turkish cards** do not support international transactions, processing cards locally brings the benefit of a higher conversion rate as well as the option to offer installments leading to an overall increase in market share.

## Credit card installment providers

Six loyalty programs present in Turkey give shoppers the benefit of using installments to pay for their purchases: Bonus, World, CardFinans, BankAsya, Paraf and Maximum. The most popular of them, amounting to roughly **80% of the market**, are **Bonus** and **Maximum**. Starting May 2019, our merchants selling in Turkey can offer their shopper the possibility to pay with locally issued credit cards with installments, to increase their sales.

## What 2Checkout offers

2Checkout's local processing support in Turkey provides shoppers with the choice to pay for their purchases with local cards, such as:

* Bonus
* World
* CardFinans
* BankAsya
* Paraf
* Maximum

Shoppers can also use these cards to pay for their purchases in **installments**, offering them greater payment flexibility. This leads to an increased share in the local market through access to the local cards that do not support international transactions.

Since approximately **35% of transactions** are paid through installments, 2Checkout brings an estimated increase in **conversion** and **authorization rates** of **at least 10%**.

{% hint style="warning" %}
3D Secure is mandatory for debit card transactions.
{% endhint %}

Recurring billing is only supported for transactions paid in full. Manual renewal is available for transactions paid with installments.

| Card type      | Supports installments | Max. installments | Supports full payment | Min. Installment value |
| -------------- | --------------------- | ----------------- | --------------------- | ---------------------- |
| **Bonus**      | Yes                   | 9                 | Yes                   | 1TRY                   |
| **World**      | Yes                   | 9                 | Yes                   | 1TRY                   |
| **CardFinans** | Yes                   | 9                 | Yes                   | 1TRY                   |
| **BankAsya**   | Yes                   | 9                 | Yes                   | 1TRY                   |
| **Paraf**      | Yes                   | 9                 | Yes                   | 1TRY                   |
| **Maximum**    | Yes                   | 9                 | Yes                   | 1TRY                   |
| **Axess**      | No                    | 0                 | Yes                   | N/A                    |
| **Advantage**  | No                    | 0                 | Yes                   | N/A                    |
| **Smiles**     | No                    | 0                 | Yes                   | N/A                    |

Besides payment processing, 2Checkout also covers support and legal issues:

* Customer support
* Risk and anti-fraud management
* Invoicing compliance (snail mail invoices)

Tax and VAT compliance (18% VAT applicable for transactions originating from Turkey) according to Turkey's regulations.


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