Troy

Features
Method	Credit/Debit Card, Sync/Async GET Redirect
Merchant countries	Türkiye
Consumer countries	Türkiye
Processing currencies	EUR, GBP, TRY, USD
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	✅
Installments	✅
Credits	-
Disputes	-
Min Amount	N/A
Account verification	-

Troy is a Turkish card scheme founded in 2015 by the Interbank Card Center. It is the only domestic card scheme in Türkiye. Troy offers financial services, including credit card, debit card, and prepaid card issuing and network processing.

Installments

Installments represent a structured approach to paying for products or services through a series of scheduled partial payments, as opposed to a single consolidated upfront payment. This payment strategy allows the consumer to spread the cost over a period of time, while the merchant handles it as a unified payment.

Installments represent a structured approach to paying for products or services through a series of scheduled partial payments, as opposed to a single consolidated upfront payment. This payment strategy allows the consumer to spread the cost over a period of time, while the merchant handles it as a unified payment.

Please take note: while the Sandbox environment permits installment functionality without verifying the card's regional or international origin, this distinction becomes crucial in a live production environment to ensure the appropriate card type is used for successful installment transactions.

Account verification (Zero auth)

The account verification is NOT supported.

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "amount": {
        "value": 200,
        "currency": "try"
    },
    "paymentMethod": {
        "type": "troy",
        "troy": {
            "account": {
                "number": "9792030000000000",
                "expiryMonth": "1",
                "expiryYear": "2030",
                "cvv": "333"
            },
            "consumer": {
                "ipAddress": "64.39.156.221"
            }
        }
    }
}

Response

{
    "id": "2DCszjHIf3Uy2ZQMrUrkB9R1ZqG",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "status": "succeeded"
}

Payment 3-D Secure flow

Payment 3-D Secure

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "amount": {
        "value": 200,
        "currency": "try"
    },
    "paymentMethod": {
        "type": "troy",
        "troy": {
            "account": {
                "number": "9792030000000000",
                "expiryMonth": "1",
                "expiryYear": "2030",
                "cvv": "333"
            },
            "consumer": {
                "ipAddress": "64.39.156.221"
            },
            "authentication": {
                "type": "redirection"
            },
            "returnUrl": "https://merchant.site/complete-payment"
        }
    }
}

Response

{
    "id": "27yikKXBupQRso6XTC0eyrbfEKZ",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}