How does a TROY card payment work?
For the shopper, paying with TROY online looks like any card payment: they enter the card number, expiry date and security code, and complete 3-D Secure authentication, which TROY calls GO Güvenli Öde, approving the payment by SMS code or in their mobile banking app. The acquirer recognises the card as TROY from its number and processes it through BKM’s domestic infrastructure to the issuing bank, which approves or declines. Merchants are settled in TRY by their acquiring bank. Many TROY cards also carry an international scheme brand on the back, which lets the card be used abroad where that scheme is accepted, while domestic payments run on TROY. TROY also supports contactless, mobile and QR payments in stores, so cardholders use the same card online and offline without thinking about which scheme processes it.
Why does TROY matter for merchants?
TROY has grown quickly. BKM reported that the number of TROY-branded cards rose 80% in 2025 to 90 million, that spending on them grew 125% to 4.8 trillion TRY, and that TROY’s share of card spending by value reached 25.3%, with a target of 30% for 2026. In BKM’s words, one in every four lira of card spending in Turkey now runs on TROY. A merchant or payment provider that cannot process TROY declines a growing share of Turkish cardholders, often with an error the shopper does not understand. BKM positions TROY as a way to keep card commissions and fees inside the Turkish payment system, and the Central Bank of the Republic of Türkiye has been BKM’s majority shareholder since 2020. TROY’s own site lists 33 issuing institutions, from large banks and participation banks to e-money firms such as Papara. Online card spending in Turkey keeps growing: BKM reported TRY 891.6 billion of internet card payments in June 2026 alone, up 60% on a year earlier. BKM says TROY is valid at all domestic POS terminals and e-commerce platforms and is working to widen acceptance on international platforms; Google Play added TROY in April 2025. Issuing and accepting TROY abroad remains a long-term goal, so the scheme is used by Turkish cardholders.
What can go wrong?
The most common problem is acceptance, not the shopper. Cross-border acquirers and international payment providers often cannot route TROY, and a TROY-only card fails on a site that only supports international schemes. 3-D Secure adds familiar failure points: codes that arrive late, bank challenge pages that time out, and shoppers who abandon at authentication. Turkish credit cards are often used with instalments set by the issuing bank, and a checkout that offers instalments on international cards but not on TROY cards loses those sales. Card payments also carry dispute risk, so merchants need delivery records for chargeback defence. Merchants that switch acquirers should test TROY cards specifically, because support can differ between providers that look equivalent on paper.
How would Omno handle TROY?
Omno would identify TROY cards from the card number and apply PSP eligibility rules so they go only to providers that process TROY through a Turkish acquirer. Omno connects through providers and is not an acquirer. Routing rules set by the merchant would choose among those providers, for example by amount or customer group. If a provider is unavailable or rejects the request, the payment moves to the next provider in the rule until one accepts. The hosted checkout would run 3-D Secure, and saved cards could be stored as tokens for returning customers where the provider supports it. The final status would reach the merchant by webhook, which is the source of truth, and the routing-decision log would show which provider handled each payment.