Under the Directive, payments made through telecom operators cover payments made to purchase digital services such as music and digital newspapers downloaded to a digital device, electronic tickets, or donations to charities.
To avoid exposing payers to significant financial risk, only payments below a certain threshold can be made (€50 per transaction; €300 per billing month).
Telecom operators engaged in such an activity notify the competent authorities annually that they comply with these limits. The activity will also be listed in public registers. There is no specific provision in the Law. Our view is that they may offer it on the condition that they obtain a license.
In addition, the Communiqué provides certain exemptions for these institutions where, without opening a payment account, the user can carry out bill payment transactions only by visiting the payment institution or its agents in person, or, in addition to this method, through the institution's call center or service points.
Payments charged to the operator bill
Some digital content can be purchased by adding the payment amount to the phone bill. Since this method does not require a card, it is especially useful for users who do not have one.
However, to limit financial risks, amounts are restricted by certain thresholds and only digital services are allowed. Operators must notify the competent authority to engage in this activity.
Regulations differ by country; the legislation in force in Türkiye should be checked separately.
