# Turkish cards

> Turkey boasts an emerging online market that is heavily centered around payment cards.

 Turkey boasts an emerging online market that is heavily centered around payment cards, predominantly dominated by Visa, Mastercard, and TROY. It ranks among the largest and most innovative payment card markets globally, with over 386 million cards in circulation, including 114 million credit cards, 186 million debit cards, and 86 million prepaid cards. On average, Turkish consumers hold approximately 3.6 cards per person.

## Properties {#ORwFA}

 The properties of the Turkish cards payment method are shown in the following table:

 | **Availability** | **Acquirer** | AntomSG, AntomHK, AntomUS, AntomEU, AntomUK |
| --- | --- | --- |
| **Merchant entity location** | SG, HK, US, EEA, UK |  |
| **Buyer country/region** | Turkey |  |
| **Product features** | **Payment type** | Card |
| **Card brand** | Visa, Mastercard, Maestro, American Express, TROY |  |
| **Card type** | No limit |  |
| **Processing currency** | TRY |  |
| **Other** | **3D** | ✔️ |
| **Authorization validity period** | 7 days |  |
| **Minimum**      **payment**      **amount** | 1 TRY |  |
| **Maximum payment amount** | 999,9999 TRY |  |
| **Recurring payments (MIT)** | ✔️ |  |
| **Multiple partial captures** | ❌ |  |
| **Partial capture** | ❌ |  |
| **Refund** | ✔️ |  |
| **Partial refund** | ✔️ |  |
| **Refund period** | 365 days |  |
| **Chargeback/Dispute** | ✔️ |  |
| **Advanced AVS check** | ❌ |  |
| **Special payment element** | Refer to   [Special payment elements for Cards](https://docs.antom.com/ac/pm/enumeration_values.md#uAnSf)   for more details. |  |

## User experience {#eTt2B}

 This section shows the user experience of Turkish cards in different scenarios:

### PCI qualified {#S8OjI}

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**Tab: First-time payment**

This section shows the difference between Web and app when making the first-time payment under the PCI qualified.

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**Tab: Web**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/c918cc88-2304-455b-bea2-43b12cf444f0.png)

**Tab: App**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/b595cc5b-50c7-4ad3-8aa2-8ae3ad04edcb.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

This section shows the difference between Web and app when making subsequent payments under the PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![已绑卡 pc pci.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/b1492c27-730a-4f45-ae0b-1c3184bad828.png)

**Tab: App**

![已绑卡app pci.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/634df887-3cd3-4047-984a-74fe4926ed7b.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

### Non-PCI qualified {#S9OjI}

<!-- TabGroup -->

**Tab: Web**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1eff7c53-8fc7-40e2-b9de-899010f5af7c.png)

**Tab: App**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/7a5c505a-3a0b-4a3d-9869-81200bc5cce0.png)

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## Supported online payment integrations {#ErDRY}

 Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

 | **Supported online payments** | **Supported integrations** |
| --- | --- |
| One-time Payments | ❌     Hosted API-only ✔️      [Server-to-server API-only](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) ❌       Hosted Checkout Page ❌       Embedded Checkout Page ❌    Mobile Element ❌    Web Element ❌    Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

  

## Integration considerations {#gfPT0}

 The following section outlines integration considerations for various payment types, detailing customized integration solutions and payment method features.

### After payments {#qAwJs}

 Regarding same-day refunds, most card issuers only support full refunds, though some card issuers support partial refunds on the same day. In terms of processing time for partial refunds, some card issuers can process them on the same day, while other card issuers usually take 1-2 business days to return partial refund results.

### About MIT {#PhkVS}

 When calling the   [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md)   API to initiate a MIT, the     *networkTransactionId*     parameter returned by Turkish cards can only be used for Antom, not for other service providers that offer local card payment capabilities in Turkey. For more information, refer to   [MIT.](https://docs.antom.com/ac/cashierpay/mf.md#eFFmc)