Why do installments matter in Turkey?
Turkish shoppers expect to split larger purchases into monthly installments on their credit cards. In 2025, installments accounted for 57.8% of e-commerce purchases, according to Garanti BBVA Payment Systems. A checkout without taksit options loses high-value orders.
In detail
Because Turkish shoppers expect them. On credit cards, shoppers pick a number of monthly installments, or taksit, at checkout, and the issuing bank carries the credit. In 2025, installments accounted for 57.8% of e-commerce purchases, up from 55.5% in 2024, and 19.5% of all credit card purchases, according to Garanti BBVA Payment Systems.
How the system works
Bank card programs such as Bonus, World, Axess, Maximum and CardFinans compete on installment campaigns and points with member merchants. In Turkey, buy now, pay later mostly means these card installments rather than separate BNPL apps.
Regulation shapes it
The banking regulator BDDK sets the maximum number of installments by product category and uses it as a credit brake. Card installments are not allowed on new mobile phones, and in October 2026 BDDK set new loan term limits for phone purchases and raised the minimum card repayment for high-limit cards.
The cost of not offering them
A checkout without taksit options loses high-value orders, since shoppers compare the number of installments across merchants.
What it means for payment operators
For operators serving merchants that sell to Turkey, installments depend on a local acquirer that supports taksit and card program campaigns. Configuring installment options per merchant and category, within BDDK limits, is part of a working Turkish checkout.