Bank Transfer

Trusted Redirects Bundle

Bank Transfers are an option in Turkey for customers to pay for online purchases, transferring funds directly from their accounts to the Merchant. It supports transfers from major Turkish banks, including İş Bankası, Garanti Bankası, Akbank, Yapı Kredi, and Ziraat Bankası. After initiating a payment, customers are redirected to a secure checkout page where they select their bank and complete the transfer. Customers will receive the bank details to complete the payment via SMS and e-mail, and have 3 business days to complete the transfer.

Payment matching is automated, and status updates happen every 15 minutes.

Requirements

• API credentials - Ensure you have your EBANX integration key. If not, complete the Merchant Signup Form.
• Familiarity with EBANX Direct - This setup follows the same general structure as other payment methods, with a few unique parameters. See Direct API Guide for more info.

How it works

• Set up a payment request through the EBANX API and choose Bank Transfer as the payment method for Turkey.
• EBANX returns a redirect_url pointing to a secure checkout page.
• Redirect the customer to the checkout page, where they select their preferred bank (İş Bankası, Garanti Bankası, Akbank, Yapı Kredi, or Ziraat Bankası) and receive the transfer details.
• The customer completes the bank transfer using their online banking or mobile banking app within 3 business days.
• Payments are updated every 15 minutes. When the payment is matched, the transaction status is updated to confirmed, and both the merchant and customer are notified.

Key information

• Minimum transaction amount: TRY 1
• Maximum transaction amount: TRY 100,000
• Transaction limits may be adjusted based on the merchant's business model.
• Transaction expiration period: 3 business days
• Currency: TRY (Turkish Lira)
• Supported banks: İş Bankası, Garanti Bankası, Akbank, Yapı Kredi, Ziraat Bankası
• Refund: Supported
  • Full refund
  • Partial refund
  • Multiple partial refunds

Instructions

Follow the steps below.

1. Select your environment

   Select the appropriate environment for your integration. Use the sandbox environment for testing, or the production environment for live transactions. Use the URL for your HTTP requests based on your selection.

   SandboxProduction

   https://sandbox.ebanx.com/ws/direct

2. Create a Bank Transfer payment

   To initiate a Bank Transfer payment in Turkey, prepare the required information and make a request to the /ws/direct endpoint using the parameters below.

   Parameter	Requirement	Description
   integration_key	Required	Your EBANX integration key
   payment_type_code	Required	Set to banktransfer
   country	Required	Set to tr for Turkey

   Customer data

   Parameter	Requirement	Description
   name	Required	Customer's full name
   email	Required	Customer's e-mail address
   document	Required	Customer's identity number
   phone_number	Required	Customer's phone number
   zipcode	Required	Customer's zip code
   address	Required	Customer's street address
   city	Required	Customer's city

   Payment parameters

   Parameter	Requirement	Description
   merchant_payment_code	Required	Unique merchant payment code
   currency_code	Required	Supported value: TRY
   amount_total	Required	Total amount to be charged

3. Sample request

   Here's an example using CURL to initiate a Bank Transfer payment in Turkey:

   curl -X POST \
     --location 'https://sandbox.ebanx.com/ws/direct' \
     --header 'Content-Type: application/json' \
     --data '{
       "integration_key": "your_ebanx_integration_key",
       "payment": {
         "name": "John Doe",
         "email": "john.doe@example.com",
         "document": "12345678901",
         "phone_number": "+905551234567",
         "zipcode": "34000",
         "address": "Istiklal Caddesi No:1",
         "city": "Istanbul",
         "country": "tr",
         "payment_type_code": "banktransfer",
         "merchant_payment_code": "tr-bt-00001",
         "currency_code": "TRY",
         "amount_total": 100
       }
     }'

4. Sample response

   A successful request returns a response similar to the example below. The redirect_url parameter contains the link to the secure checkout page where the customer selects their bank and completes the transfer.

   • status: "SUCCESS" indicates EBANX successfully processed the request.
   • payment.status: "PE" (Pending) means the payment is awaiting the customer's bank transfer.
   • payment.redirect_url: The URL to redirect the customer to the checkout page.
   
   
   {
     "payment": {
       "hash": "<{hash_here}>",
       "country": "tr",
       "merchant_payment_code": "tr-bt-00001",
       "status": "PE",
       "amount_ext": "100.00",
       "currency_ext": "TRY",
       "due_date": "2026-03-18",
       "payment_type_code": "banktransfer",
       "customer": {
         "email": "john.doe@example.com",
         "name": "John Doe"
       },
       "redirect_url": "https://sandbox.ebanx.com/redirect/banktransfer?hash=<{hash_here}>"
     },
     "status": "SUCCESS"
   }

   At this stage, the payment will appear as pending (PE) in your

   EBANX Dashboardchevron_right

5. Redirect the customer to the checkout page

   Redirect your customer to the URL provided in the redirect_url parameter. On the checkout page, the customer will:

   1. Select their preferred bank (İş Bankası, Garanti Bankası, Akbank, Yapı Kredi, or Ziraat Bankası).
   2. Receive the bank transfer details via the page, SMS, and email.
   3. Complete the transfer using their online banking or mobile banking app within 3 business days.

6. Monitor payment for status changes

   Notifications

   • EBANX will send a notification whenever a payment status changes.

   • Make sure your system is set up to receive notifications from EBANX for any changes in payment status.

   • Learn more about Payment Notificationschevron_right

   Status

   • After receiving a notification, retrieve the payment status.

   • When a payment is confirmed, the status will change from pending (PE) to confirmed (CO). If the customer does not complete the payment within 3 business days, the status will automatically update to cancelled (CA).

   • Learn more about Retrieving Payment Statuschevron_right

7. Congratulations!

   You have successfully integrated Bank Transfer for Turkey.

   For more information, refer to the

   Direct API reference guidechevron_right

Bank Transfer UX Flow

Resources

Use the following resources when testing in your sandbox environment.

API Reference

Click here to access detailed API documentation to integrate efficiently.

Click to explorechevron_right

Mock Customer Data

Click here to view mock customer data for testing and validating user flows.

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Error Codes

Click here to review common error codes to troubleshoot and resolve issues quickly.

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Still need help?

We hope this article was helpful. If you still have questions, you can explore the following options:

• Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
• Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.