FAQs

TROY is owned by the Interbank Card Center (BKM), which operates under the partnership of Türkiye's leading public and private banks, the Central Bank of the Republic of Türkiye (CBRT) being the majority shareholder.

As Türkiye's Payment Method, TROY ensures that the fees and commissions stemming from card transactions remain within the country. It helps increase predictability of the financial sector by bringing stability to card scheme operations and pricing policies. Through boosting the localization of payment systems, TROY plays a strategic role in supporting Türkiye's financial autonomy.

You can apply for a TROY card through the branches, mobile apps, or internet banking services of banks or electronic money institutions . TROY cards are available in credit card, debit card, and prepaid card options, and are issued for personal or commercial use. When applying, make sure to specifically ask for a card with the TROY logo.

TROY cards can be used at all POS terminals, ATMs, and for online payments and money transfers within Türkiye. For international use, you can use your TROY card wherever the global card network shown on the back of your card is accepted.

TROY cards support various payment methods, including chip-and-pin, contactless, QR code, mobile, and NFC transactions, both at physical POS terminals and for online purchases. The availability of these methods may vary depending on the technical infrastructure of the payment receiver.

You can use your TROY card abroad wherever the international card networks shown on the back of your card are accepted. For use at locations that display Discover and/or Diners Club logos, please visit https://www.discover.com/credit-cards/international-use/ for detailed information and to check valid acceptance points.

TROY's infrastructure supports contactless payment transactions. TROY cards carrying the contactless symbol on them include this feature. If the contactless function does not work despite the card supports it, the issue may be related to the device or the physical condition of the card. For assistance, please contact the financial institution that issued your card.

Yes, TROY cards can be linked to Android-enabled mobile devices —including smartphones, tablets, and wearables— for contactless payments. To use this feature, your device must support NFC (Near Field Communication) and HCE (Host Card Emulation) technologies.

Yes, TROY cards can be used for contactless payments with supported wearable devices. You can easily make payments using smartwatches, wristbands, or rings equipped with NFC (Near Field Communication) technology.

To use this feature, the following requirements must be met:

• Your wearable device must support NFC-based contactless payments
• Your card issuer must support the relevant device and digital wallet infrastructure
• Your TROY card must be defined in a compatible digital wallet on your device

For further assistance, please contact the financial institution that issued your card.

Yes, you can make payments by scanning the QR code displayed on the POS terminal using your phone's camera or a compatible mobile app. The same method can also be used for transactions at ATMs that support QR code functionality.

Yes. You can make payments in installments depending on the policies of your card issuer and/or the merchant. For more information or to request this feature, please contact the financial institution that issued your card.

Yes. You can benefit from campaigns, rewards, points, or bonuses offered by the financial institution that issued your card. These advantages are determined and managed by the issuing bank or electronic money institution. For more information or to request this feature, please contact your card issuer.

For any information updates related your TROY card , including your address and contact details, please contact the bank or electronic money institution that issued your card.

If you lose your card, you should contact the customer service of your card issuer to cancel it immediately. You can also cancel your card and request a new TROY-branded one through your issuer's mobile app, if available.

Your TROY card may be declined for various reasons, such as reaching your transaction limit, a change in card status, a disabled contactless feature, or a temporary problem on the issuer's side. For more information, please contact the financial institution that issued your card.

Transactions made with TROY cards are protected by protocols that comply with international security standards. In e-commerce and contactless payments, your card issuer applies secure authentication methods to protect your transactions.

Whether an annual fee is charged for your TROY credit card is at the discretion of the bank or electronic money institution that issued your card. For more information or any related request, please contact your card issuer.

For refund or cancellation requests related to transactions made with your TROY card, you can first try to resolve the issue by contacting the merchant directly. You can also initiate a dispute through the bank or electronic money institution that issued your card. Disputes are evaluated according to the rules of card payment systems, and you must submit your request within 180 days of the transaction date.