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Apple Pay in Turkey

Apple Pay is a mobile payment and digital wallet service that allows users to make payments using their Apple devices, including iPhones, Apple Watches, iPads, and Mac computers. The service was first launched in the United States in 2014, and has since expanded to over 40 countries worldwide, including the United Kingdom, Canada, Australia, and China. However, despite this widespread availability, Apple Pay has not yet been launched in Turkey.

The Current State of Mobile Payments in Turkey

Turkey has a rapidly growing mobile payments market, with a high level of smartphone penetration and a large young population that is increasingly adopting digital payment methods. According to a report by the Interbank Card Center (BKM), mobile payments in Turkey increased by 42% in 2019, with a total transaction volume of 255 billion Turkish lira (US$35 billion).

Despite this growth, Turkey’s mobile payments market is still largely dominated by traditional banks and payment providers. The country’s largest banks, including İşbank, Akbank, and Garanti BBVA, all offer their own mobile payment solutions, which allow users to make payments using their smartphones or other mobile devices. In addition, there are several third-party mobile payment providers in Turkey, such as Paycell and Papara, which offer similar services.

The Potential for Apple Pay in Turkey

Given the high level of smartphone adoption and the growing popularity of mobile payments in Turkey, there is a significant potential market for Apple Pay in the country. Apple Pay’s ease of use, security, and integration with other Apple services could make it an attractive option for Turkish consumers who are looking for a more convenient and secure way to make payments.

However, there are several challenges that Apple would need to overcome in order to successfully launch Apple Pay in Turkey. One of the biggest obstacles is the regulatory environment. Turkey has strict regulations on payment processing and electronic money, which could make it difficult for Apple to enter the market. In addition, there are concerns about data privacy and security, which would need to be addressed in order to gain the trust of Turkish consumers.

Despite these challenges, there is no doubt that Apple Pay has the potential to be a game-changer in the Turkish mobile payments market. With its innovative technology and user-friendly interface, Apple Pay could help to drive the adoption of mobile payments in Turkey and provide an easier, more secure way for consumers to make payments on the go.

In conclusion, while Apple Pay is not currently available in Turkey, the growing mobile payments market and the potential for innovation make it likely that Apple will eventually launch the service in the country. However, Apple will need to navigate the complex regulatory environment and address concerns about data privacy and security in order to successfully enter the Turkish market.

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How Apple Pay Could Benefit Turkey

Apple Pay has the potential to bring significant benefits to Turkey’s economy and the mobile payments industry as a whole. Here are some of the key advantages that Apple Pay could offer:


One of the main benefits of Apple Pay is the convenience it offers to consumers. With Apple Pay, users can make payments quickly and easily using their Apple devices, without the need for cash or physical credit cards. This can save time and reduce the hassle of carrying multiple cards or cash.


Apple Pay is also known for its high level of security. The service uses advanced encryption and authentication technology to protect users’ financial information and prevent fraud. This can provide peace of mind to consumers who are concerned about the security of their financial data.


Another advantage of Apple Pay is its integration with other Apple services. For example, users can easily add their credit or debit cards to Apple Pay using the Wallet app on their iPhone, and then use those cards to make purchases in stores, online, or within apps. This seamless integration can make the payments process more streamlined and user-friendly.

Improved Customer Experience

By offering Apple Pay as a payment option, businesses in Turkey could improve their customer experience and attract more customers. Apple Pay’s ease of use and security can make customers feel more confident and satisfied with their purchases, which can help to build loyalty and increase repeat business.

Increased Adoption of Mobile Payments

Finally, the launch of Apple Pay in Turkey could help to drive the adoption of mobile payments in the country. As more consumers become familiar with the convenience and security of mobile payments, they may be more likely to use these services for other transactions, such as bill payments or money transfers.


Overall, Apple Pay has the potential to transform the mobile payments market in Turkey and provide significant benefits to consumers and businesses alike. While there are challenges to overcome, such as regulatory hurdles and data privacy concerns, the potential rewards are too great to ignore. As such, it seems likely that Apple Pay will eventually be launched in Turkey, and it will be interesting to see how the market responds to this innovative and user-friendly payment solution.

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