One-line summary: When chargebacks spike, acquirers often withhold payouts “for risk.” If an acquirer freezes merchant settlements, a growth-stage company can face a sudden cashflow shock. This guide explains the Turkish legal levers (TBK and Law No. 6502), card-network rules, the evidence you should gather, and the contract fixes—clear reserve formula, cure periods, dispute SLAs, […]
Introduction Fintech in Turkey has moved from “promising niche” to “regulated mainstream.” From payments and e-money to open banking, AML and data protection, the regulatory perimeter is now clear enough for institutional investors—yet dynamic enough to reward first movers who structure compliance into product design. This article explains what fintech covers in practice, how Turkish […]