Payments to Turkey without restrictions

Pay Turkish suppliers via BKM (Troy), Paycell, Papara. We work with the largest banks in Turkey. Commission from 0.86%.

  • 100% legal
  • Without foreign currency account
  • BKM, Paycell, Papara
  • Payment within 1-3 days

Payments to Turkey

OZTA transfer system

Türkiye

Payment systems

3 systems

BKM (Troy)

Paycell

Papara

What's included

Local payment systems

Top 5 banks in Turkey

Full package of documents

Commission

from 0.86%

Term

1-3 days

Solving payment problems to Turkey

We understand the specifics of working with Turkish suppliers and offer working solutions

Typical problems

  • Banks refuse transfers in Turkish lira (TRY) due to restrictions
  • No access to Turkish payment systems (BKM, Paycell, Papara)
  • High fees for transfers to Turkey (3-7%)
  • Difficulties with payment without a Turkish account or foreign currency account
  • Long terms for transfers via SWIFT (5-10 days)
  • Problems with foreign exchange control when working with Turkish suppliers

OZTA Solutions

  • We work as an agent - we transfer on our behalf in Turkish lira (TRY)
  • Commission from 0.86% - 2-5 times lower than bank fees
  • Support BKM (Troy), Paycell, Papara for fast transfers
  • Direct payment to Turkish suppliers without Turkish account
  • Transfers in 1-3 days instead of 5-10 days through a bank
  • We take over currency control and document management

How does this work

Simple payment process to Turkish suppliers in 5 steps

1

Bid

Leave a request on the website or write to the manager. Specify the amount, recipient, purpose of payment.

2

Calculation

The manager calculates the cost (commission + Turkish lira exchange rate). We fix the rate at the time of application.

3

Payment to us

Transfer rubles to our account. Sign an agency agreement (can be done electronically).

4

Transfer to Turkey

We convert rubles into Turkish lira and transfer to the supplier via BKM (Troy), Paycell or Papara.

5

Documents

You receive a full package of documents: agreement, act, invoice, payment order.

All operations are completely legal. We work under an agency agreement with a full package of documents for accounting.

Support for local payment systems

We work with Turkish payment systems for fast and convenient transfers

BKM (Troy)

BKM (Troy)

National payment system of Turkey, analogue of Visa/Mastercard

  • Transfers in Turkish lira (TRY)
  • Fast enrollment (1-2 days)
  • Low commissions for corporate clients
  • Widespread among Turkish suppliers

Paycell

Paycell

Popular mobile payment system for B2B payments

  • Instant transfers between accounts
  • User-friendly interface for business
  • Support for large amounts
  • Integration with Turkish banks

Papara

Papara

Popular digital wallet in Turkey, used by suppliers

  • Transfers via mobile application
  • Widespread adoption among small businesses
  • Fast transfers (up to several minutes)
  • Convenient for small payments

iyzico

iyzico

Payment aggregator for business, integration with many banks

  • Integration with multiple banks
  • Supports various payment methods
  • Convenient for regular payments
  • Reliable infrastructure

Benefits of working with local systems

Faster than SWIFT - transfers in 1-2 days instead of 5-10 days

Lower commissions - local systems are cheaper than international ones

More convenient for suppliers - they receive money to their usual accounts

Fewer restrictions - local systems operate without sanctions restrictions

We work with the largest banks in Turkey

Partnership with top 5 banks for reliable and fast transfers

National banks

The largest banks in Turkey with branches throughout the country

Ziraat Bankası

Ziraat Bankası

Turkey's largest state-owned bank, strong position in corporate services, wide network of branches throughout the country

İş Bankası

İş Bankası

Turkey's second largest bank, leader in international transfers, strong digital platform

Garanti BBVA

Garanti BBVA

Large private bank, innovative business solutions, strong support for B2B payments

Akbank

Akbank

One of the largest private banks, specializing in corporate clients, fast transfers and good service

Yapı Kredi

Yapı Kredi

A large bank with a strong position in trade finance, good support for international operations, convenient business tools

Tariffs and commissions

Transparent pricing with no hidden fees

Up to $10,000

4%

from $50

1-2 days
Popular

$10,000 - $50,000

2%

from $150

1-3 days

$50,000+

from 0.86%

individually

2-3 days

What is included in the commission

  • Currency conversion at a favorable rate
  • All bank fees and expenses
  • Registration of a full package of documents
  • Personal manager and support 24/7
  • Real-time status tracking

Important to know

  • The exchange rate is fixed at the time of application
  • No hidden bank fees
  • For regular customers - individual conditions

Who is it suitable for?

Solutions for different types of businesses working with Turkey

Importers of clothing and textiles

Problem:

Payment of invoices to Turkish suppliers of clothing and textiles. High bank commissions (3-7%), long transfer times (5-10 days), difficulties with foreign currency accounts.

OZTA solution:

Commission from 0.86% instead of 3-7%. Transfers in 1-3 days through local payment systems (BKM, Paycell, Papara). We work with the top 5 banks in Turkey. Without a foreign currency account with the client.

Manufacturers and buyers

Problem:

Regular payments for raw materials, components, equipment from Turkey. We need automation and predictable conditions.

OZTA solution:

Corporate conditions for regular payments. Personal manager. Automation of scheduled payments. Individual rates for regular customers.

Marketplace sellers

Problem:

Payment for goods to Turkish suppliers for sale on marketplaces. You need access to Turkish payment systems without opening an account in Turkey.

OZTA solution:

Direct payment to suppliers via BKM (Troy), Paycell, Papara. We work with the largest banks in Turkey. Without a Turkish account with the client. A complete package of documents for accounting.

Companies with sanctions restrictions

Problem:

Banks refuse transfers to Turkey due to sanctions restrictions or difficulties with currency control.

OZTA solution:

We work on an agency model - we translate on our own behalf. Local payment systems operate without sanctions restrictions. We take over currency control.

Why do they trust us?

Experience, licenses and guarantees for secure payments to Turkey

Licenses and Compliance

All necessary licenses for working with international translations. Compliance with AML/KYC and currency control requirements.

Experience with Turkey

More than 5 years of experience working with Turkish suppliers. We know the specifics of local payment systems and banks.

Partnership with banks

We work with the top 5 banks in Turkey (Ziraat Bankası, İş Bankası, Garanti BBVA, Akbank, Yapı Kredi). Direct channels for fast and reliable transfers.

Transparency

Fixed Turkish lira rate, transparent commissions, full package of documents. No hidden fees.

Learn more about our compliance procedures: AML/KYC policy · Sanctions policy

Frequently Asked Questions

Answers to popular questions about payments to Turkey

Türkiye has a developed financial ecosystem with local payment systems (BKM/Troy, Paycell, Papara) which are often faster and cheaper than international transfers via SWIFT. Many Turkish suppliers prefer to receive payments through local systems. There are also features of currency control and document flow when working with Turkish counterparties. We specialize in working with Turkey and know all the intricacies.
We work with several systems: 1) BKM (Troy) - the national payment system of Turkey, an analogue of Visa/Mastercard, fast transfers in Turkish lira. 2) Paycell is a mobile system for B2B payments, convenient for business. 3) Papara is a digital wallet popular among small businesses. 4) iyzico - payment aggregator for regular payments. The choice of system depends on the recipient and the amount of payment. Our manager will advise you on the best option.
We work with the top 5 banks in Turkey: Ziraat Bankası (largest state-owned bank), İş Bankası (leader in international transfers), Garanti BBVA (innovative solutions), Akbank (specialization in corporate clients), Yapı Kredi (trade finance). This is important because different banks have different transfer processing speeds, different fees, and different availability in different regions. We choose the optimal bank for each specific case.
Transfers take place in Turkish lira (TRY), EUR and USD are also supported. The rate is fixed at the time of submitting the application and agreeing on the terms with the manager. Once fixed, the rate does not change, even if the market rate changes. We use the Turkish Central Bank rate + our margin (usually 0.5-1%), which is 1-2% more profitable than the bank rate. The fixed rate is indicated in the contract.
The standard transfer time to Turkey is 1-3 business days from the moment the funds arrive in our account. It's faster than through a regular bank (5-10 days via SWIFT). For urgent transfers, we offer an express service (for an additional fee of 0.5%) - transfer within a few hours through local systems. You can track your status in your personal account in real time.
You will receive a complete set of documents: 1) Agency agreement for the provision of services for transferring funds to Turkey. 2) Certificate of work performed with details of the operation. 3) Invoice for agent services. 4) Payment order confirming the transfer of funds to the supplier. 5) Certificate about the exchange rate of the Turkish lira (TRY) on the date of the operation. All documents have legal force and are accepted by the tax authorities.
Yes, we can pay any invoices to Turkish suppliers: clothing, textiles, equipment, raw materials, components and other goods. We work through local payment systems (BKM, Paycell, Papara) for fast transfers. We provide a full package of documents for accounting, including invoices from Turkish suppliers.
The minimum transfer amount is $500 (or the equivalent in Turkish lira). There are no maximum limits - we work with transfers of any size, from several thousand to millions of dollars. For transfers over $100,000 we provide a personal manager and individual conditions. The number of translations is not limited.
Safety is our top priority. We have been operating since 2018 and have made more than 10,000 transfers to Turkey amounting to over $100 million without a single loss of funds. All client funds are kept in separate accounts in reliable banks. Every operation is insured. The company has all the necessary licenses and is regularly audited. We work only under a contract with a full package of documents.
Yes, this is one of our key advantages. You do not need a foreign currency account (EUR, USD, TRY). You pay us in rubles (or other currency of your account), and we transfer to the supplier in Turkish lira. We work according to an agency model - we transfer on our own behalf, we take over currency control and document management.

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Describe the problem - we will select the optimal solution

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