Troy is Turkey's national payment system scheme, short for "Turkiye's Payment Method."
When Troy cards were first launched, they could only be used domestically. A partnership with Discover was later formed, opening the way for Troy cards to be used abroad as well.
So how are the Troy and Discover logos printed on the card?
Since Troy and Discover are two separate schemes, you might expect both logos to be printed on the front of the card. However, because there is not enough space on the card, the Troy logo stays in its standard position at the bottom right of the front, while the Discover logo is placed at the bottom right of the back of the card.
How do Troy cards work abroad?
When a transaction is made abroad with a Troy card, it is routed through the international network that Troy has partnered with. Thanks to the Discover partnership, Troy cards can be used at merchants and ATMs that accept the networks of Discover and its partners.
International partnerships
Over time, Troy has also formed partnerships with other international card schemes besides Discover. These partnerships aim to expand the acceptance points of Troy cards abroad. You can tell which networks a card is accepted on from the logos printed on it.
Before using the card abroad
- Make sure your card's overseas usage permission is active.
- Check whether the partner network logo on your card is accepted in the country you are traveling to.
- Ask your bank about the exchange rate and fees that apply to transactions abroad.
Why the placement of the logos matters
The logo on the front of the card makes it easier for the cashier to see which network the card will be processed through. The logo on the back shows which networks the card can be used on abroad. The placement of the logos follows the design rules set by the card schemes.
