TROY Credit

pmt_troy_credit

TROY credit cards use Türkiye’s domestic card scheme to fund purchases from an approved credit line. The bank sets borrowing limits and repayment obligations, while the TROY network provides the payment framework, separating credit-funded spending from TROY debit and prepaid balances.

Use cases:
Initiation:
Users
9.8M
Markets
1
TPV
$8.0B
Transactions
149M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

Capabilities

Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities

Markets

Estimated Monthly Usage, Aurato Research, October 2026

PSPs

Schemes

Compliance

Standards