BKM, short for Interbank Card Center, is a legal entity established in 1990 with the contribution of public (13) banks and private Turkish banks to provide clearing and reconciliation of credit cards and debit cards. It is responsible for the reconciliation and clearing of debit and credit card payments made between banks on each other’s behalf through BKM.
Of course, as technology and interactions have developed, certain needs have emerged. The innovations introduced by BKM, which sits at the center of payment systems, have provided solutions to these needs.
For example, under the name of Public Collection solutions, the following are available:
- Transport
- Payment Gateway solutions
Transport Solution
Konya Transport Project
With the "Transport Project" run jointly by the Interbank Card Center and Konya Metropolitan Municipality, the residents of Konya and the 2 million domestic and 500 thousand foreign tourists who visit the city every year can use public transport with the contactless cards in their pockets.
In Konya, all domestic and foreign credit cards, debit cards and prepaid cards with contactless capability can be used on buses and trams. In city transport, served by 20 tram stops and 340 buses, payment can also be made with NFC-compatible mobile phones in addition to contactless cards.
The 11 banks that joined this project, after concluding financial agreements with Konya Municipality, joined the platform set up by BKM and enabled their own contactless cards to be used on Konya public transport vehicles at the same fare as Elkart, Konya’s local transport card.
With the transport project implemented in June 2013, Konya became, together with London, the 2nd city in the world where all contactless banking cards can be used on transport vehicles.
Payment Gateway Solutions:
They are grouped as SGK and e-Government Gateway solutions.
SGK
A new era has begun in which Social Security Institution (SGK) premium payments can be made online with banking cards. Cardholders can pay their SGK premium debts quickly, securely and easily over the Internet, 24/7.
With the payment platform launched in cooperation between the Interbank Card Center (BKM) and the Social Security Institution (SGK), the debit card era has now begun for SGK premium payments, in addition to credit cards.
The project, for which BKM built the payment infrastructure and the integration with SGK was completed, was set up as a structure open to the participation of all banks. The 16 banks that have an SGK premium collection agreement connected easily to the platform provided by BKM with a single integration, enabling their own cards to be used to pay SGK premiums over the Internet. Banks can also offer their own brand advantages to customers who pay SGK premiums by card.
As of November 2013, anyone who queries their debt on the SGK website www.sgk.gov.tr can, if they wish, continue the transaction and pay their debt with the debit and credit cards of 16 banks. Operations related to premium accrual and debt settlement continue to be carried out by SGK, while transactions related to the use of banking cards continue to be carried out by the banks.
e-Government Gateway
- General Directorate of Land Registry and Cadastre
With the infrastructure prepared by BKM and Turksat, title deed fees of the General Directorate of Land Registry and Cadastre can for the first time be collected through the e-Government Gateway with all banking cards.
Details on the subject can be accessed at the link below.
https://bkm.com.tr/urunler-ve-hizmetler/kamu-tahsilat-cozumleri-2/
