{"id":9155,"date":"2025-07-18T09:08:18","date_gmt":"2025-07-18T09:08:18","guid":{"rendered":"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/"},"modified":"2025-07-18T09:08:18","modified_gmt":"2025-07-18T09:08:18","slug":"rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri","status":"publish","type":"post","link":"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/","title":{"rendered":"Rekabet Kurumu Mastercard ve Visa\u2019y\u0131 Mercek Alt\u0131na Ald\u0131: Soru\u015fturman\u0131n Ayr\u0131nt\u0131lar\u0131 ve Etkileri"},"content":{"rendered":"<p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ff0f0f;color:#ff0f0f\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ff0f0f;color:#ff0f0f\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Rekabet_Kurumundan_Mastercard_ve_Visaya_Kapsamli_Sorusturma\" >Rekabet Kurumu&#8217;ndan Mastercard ve Visa&#8217;ya Kapsaml&#305; Soru&#351;turma<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Sorusturmanin_Gundeme_Gelme_Nedeni\" >Soru&#351;turman&#305;n G&uuml;ndeme Gelme Nedeni<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Incelemenin_Kapsaminda_Neler_Var\" >&#304;ncelemenin Kapsam&#305;nda Neler Var?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Ikili_Anlasmalar_ve_Yerel_Hizmetlerin_Rolu\" >&#304;kili Anla&#351;malar ve Yerel Hizmetlerin Rol&uuml;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Mastercard_ve_Visanin_Sema_Kurallari_Nedeniyle_Yasanan_Zorluklar\" >Mastercard ve Visa&#8217;n&#305;n &#350;ema Kurallar&#305; Nedeniyle Ya&#351;anan Zorluklar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Rekabet_Kurumunun_Sorusturmasinda_Ele_Alinacak_Konular\" >Rekabet Kurumu&#8217;nun Soru&#351;turmas&#305;nda Ele Al&#305;nacak Konular<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Sorusturmanin_Sektore_ve_Tuketicilere_Olasi_Etkileri\" >Soru&#351;turman&#305;n Sekt&ouml;re ve T&uuml;keticilere Olas&#305; Etkileri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/#Sonuc_Mastercard_ve_Visa_Sorusturmasi_Neden_Onemli\" >Sonu&ccedil;: Mastercard ve Visa Soru&#351;turmas&#305; Neden &Ouml;nemli?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Rekabet_Kurumundan_Mastercard_ve_Visaya_Kapsamli_Sorusturma\"><\/span>Rekabet Kurumu&#8217;ndan Mastercard ve Visa&#8217;ya Kapsaml&#305; Soru&#351;turma<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>T&uuml;rkiye Rekabet Kurumu<\/b>, d&uuml;nyaca &uuml;nl&uuml; &ouml;deme sistemi devleri olan <b>Visa<\/b> ve <b>Mastercard<\/b> hakk&#305;nda &ouml;nemli bir soru&#351;turma ba&#351;latt&#305;. Kurumun yapt&#305;&#287;&#305; resmi a&ccedil;&#305;klamaya g&ouml;re, iki firman&#305;n T&uuml;rkiye &ouml;deme sistemleri piyasas&#305;ndaki baz&#305; uygulamalar&#305; sebebiyle inceleme kapsam&#305;nda oldu&#287;u belirtildi.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2025\/07\/d984746c6efb63fb6454274ab5142bc1924a001a.jpeg\" alt=\"Rekabet Kurumu Mastercard ve Visa'ya soru&#351;turma a&ccedil;t&#305;\" class=\"\" style=\"max-width: 100%;height: auto;margin: 10px auto\"><\/p>\n<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Sorusturmanin_Gundeme_Gelme_Nedeni\"><\/span>Soru&#351;turman&#305;n G&uuml;ndeme Gelme Nedeni<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Soru&#351;turman&#305;n oda&#287;&#305;nda<\/b>, Mastercard ve Visa&rsquo;n&#305;n <b>T&uuml;rkiye&#8217;de faaliyet g&ouml;steren &ouml;deme kurulu&#351;lar&#305;n&#305;n yurtd&#305;&#351;&#305;ndaki i&#351;yerlerine hizmet sunmas&#305;n&#305; s&#305;n&#305;rlad&#305;&#287;&#305;<\/b> iddialar&#305; yer al&#305;yor. Rekabet Kurumu&rsquo;nun payla&#351;t&#305;&#287;&#305; bilgilere g&ouml;re, dev &#351;irketlerin &#351;ema kurallar&#305;n&#305;n &ouml;deme kurulu&#351;lar&#305; i&ccedil;in k&#305;s&#305;tlay&#305;c&#305; olabilece&#287;i y&ouml;n&uuml;nde ciddi bulgular elde edildi. Bu durum, hem <b>yerel &ouml;deme kurulu&#351;lar&#305;n&#305;n<\/b> hem de <b>t&uuml;keticilerin<\/b> se&ccedil;im &ouml;zg&uuml;rl&uuml;&#287;&uuml;n&uuml; etkileyebilir.<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Incelemenin_Kapsaminda_Neler_Var\"><\/span>&#304;ncelemenin Kapsam&#305;nda Neler Var?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A&ccedil;&#305;klamalara g&ouml;re, s&ouml;z konusu soru&#351;turma, Mastercard ve Visa&rsquo;n&#305;n kartl&#305; &ouml;deme\/POS altyap&#305;lar&#305;n&#305; yurtd&#305;&#351;&#305;nda yerle&#351;ik i&#351;yerlerine kulland&#305;r&#305;lmas&#305;n&#305;n engellenmesini ve <b>alternatif &ouml;deme &ccedil;&ouml;z&uuml;mlerinin d&#305;&#351;lanmas&#305;n&#305;<\/b> da kaps&#305;yor. Bu s&uuml;re&ccedil;, &ouml;deme i&#351;lemlerinin daha rekabet&ccedil;i ve &#351;effaf y&uuml;r&uuml;t&uuml;lmesine olanak sa&#287;layabilir.<\/p>\n<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ikili_Anlasmalar_ve_Yerel_Hizmetlerin_Rolu\"><\/span>&#304;kili Anla&#351;malar ve Yerel Hizmetlerin Rol&uuml;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T&uuml;rkiye&#8217;de faaliyet g&ouml;steren &ouml;deme kurulu&#351;lar&#305;, yurtd&#305;&#351;&#305;ndaki firmalarla girdikleri ikili anla&#351;malar sayesinde, <b>yurtd&#305;&#351;&#305; i&#351;yerlerine hizmet sunan t&uuml;keticilere<\/b> daha avantajl&#305; &ouml;deme se&ccedil;enekleri sa&#287;layabiliyor. Bu anla&#351;malar &ccedil;er&ccedil;evesinde yap&#305;lan &ouml;demeler yerelle&#351;tirilmekte ve <b>Visa veya Mastercard&rsquo;&#305;n yurtd&#305;&#351;&#305; i&#351;lem &uuml;cretlerine tabi olmadan<\/b> ger&ccedil;ekle&#351;tirilebilmektedir.<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mastercard_ve_Visanin_Sema_Kurallari_Nedeniyle_Yasanan_Zorluklar\"><\/span>Mastercard ve Visa&#8217;n&#305;n &#350;ema Kurallar&#305; Nedeniyle Ya&#351;anan Zorluklar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Yerinde yap&#305;lan denetimler sonucunda<\/b> elde edilen &ouml;n bulgular, Mastercard ile Visa&#8217;n&#305;n, kendi belirledikleri &#351;ema kurallar&#305;na ayk&#305;r&#305; oldu&#287;u iddias&#305;yla, ikili anla&#351;malar yapan &ouml;deme kurulu&#351;lar&#305;n&#305;n faaliyetlerinin bankalara uygulanan yapt&#305;r&#305;mlar ve di&#287;er y&ouml;ntemlerle engellenebilece&#287;ini ortaya koyuyor.<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Rekabet_Kurumunun_Sorusturmasinda_Ele_Alinacak_Konular\"><\/span>Rekabet Kurumu&#8217;nun Soru&#351;turmas&#305;nda Ele Al&#305;nacak Konular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tr>\n<th>&#304;ncelenen Konular<\/th>\n<th>A&ccedil;&#305;klama<\/th>\n<\/tr>\n<tr>\n<td>Kartl&#305; &ouml;deme altyap&#305;s&#305;n&#305;n yurtd&#305;&#351;&#305;nda kullan&#305;lmas&#305;n&#305;n engellenmesi<\/td>\n<td>Mastercard ve Visa&#8217;n&#305;n, T&uuml;rkiye&#8217;deki &ouml;deme kurulu&#351;lar&#305;n&#305;n yurtd&#305;&#351;&#305;ndaki i&#351;yerleriyle yapt&#305;&#287;&#305; anla&#351;malara k&#305;s&#305;t getirmesi<\/td>\n<\/tr>\n<tr>\n<td>Alternatif &ouml;deme &ccedil;&ouml;z&uuml;mlerinin d&#305;&#351;lanmas&#305;<\/td>\n<td>Piyasadaki rekabetin zedelenmesi ve inovasyonun engellenmesi iddialar&#305;<\/td>\n<\/tr>\n<tr>\n<td>&#350;ema kurallar&#305; yoluyla piyasa k&#305;s&#305;tlamas&#305;<\/td>\n<td>Kendi olu&#351;turduklar&#305; kurallarla &ouml;deme kurulu&#351;lar&#305;n&#305;n hareket alan&#305;n&#305;n daralt&#305;lmas&#305;<\/td>\n<\/tr>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Sorusturmanin_Sektore_ve_Tuketicilere_Olasi_Etkileri\"><\/span>Soru&#351;turman&#305;n Sekt&ouml;re ve T&uuml;keticilere Olas&#305; Etkileri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bu kapsaml&#305; soru&#351;turma, <b>T&uuml;rkiye &ouml;deme sistemleri sekt&ouml;r&uuml;nde<\/b> hem rekabet ortam&#305;n&#305;n iyile&#351;tirilmesi hem de t&uuml;keticilerin daha d&uuml;&#351;&uuml;k maliyetlerle alternatif ve yenilik&ccedil;i &ouml;deme &ccedil;&ouml;z&uuml;mlerine eri&#351;imi a&ccedil;&#305;s&#305;ndan olduk&ccedil;a &ouml;nemli. Soru&#351;turman&#305;n sonucu, T&uuml;rkiye&rsquo;de dijital &ouml;demeler, fintech giri&#351;imleri ve bankalar aras&#305;nda adil bir rekabetin sa&#287;lanmas&#305;na &ouml;nc&uuml;l&uuml;k edebilir.<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sonuc_Mastercard_ve_Visa_Sorusturmasi_Neden_Onemli\"><\/span>Sonu&ccedil;: Mastercard ve Visa Soru&#351;turmas&#305; Neden &Ouml;nemli?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Rekabet Kurumu&rsquo;nun Visa ve Mastercard&#8217;a ba&#351;latt&#305;&#287;&#305; soru&#351;turma<\/b>, k&uuml;resel &ouml;demeler ekosisteminde &#351;effafl&#305;k ve rekabeti g&uuml;&ccedil;lendirme potansiyeliyle dikkat &ccedil;ekiyor. Soru&#351;turma s&uuml;recinde elde edilecek sonu&ccedil;lar, ba&#351;ta t&uuml;keticiler olmak &uuml;zere, &ouml;deme kurulu&#351;lar&#305; ve t&uuml;m finansal teknoloji ekosistemi i&ccedil;in yol g&ouml;sterici nitelikte olabilir.<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rekabet Kurumu&#8217;ndan Mastercard ve Visa&#8217;ya Kapsaml&#305; Soru&#351;turma T&uuml;rkiye Rekabet Kurumu, d&uuml;nyaca &uuml;nl&uuml; &ouml;deme sistemi devleri olan Visa ve Mastercard hakk&#305;nda &ouml;nemli bir soru&#351;turma ba&#351;latt&#305;. Kurumun yapt&#305;&#287;&#305; resmi a&ccedil;&#305;klamaya g&ouml;re, iki firman&#305;n T&uuml;rkiye &ouml;deme sistemleri piyasas&#305;ndaki baz&#305; uygulamalar&#305; sebebiyle inceleme kapsam&#305;nda oldu&#287;u belirtildi. Soru&#351;turman&#305;n G&uuml;ndeme Gelme Nedeni Soru&#351;turman&#305;n oda&#287;&#305;nda, Mastercard ve Visa&rsquo;n&#305;n T&uuml;rkiye&#8217;de faaliyet g&ouml;steren &ouml;deme [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9153,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17211],"tags":[],"class_list":["post-9155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sektorel-haberler-ve-icerikler"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rekabet Kurumu Mastercard ve Visa\u2019y\u0131 Mercek Alt\u0131na Ald\u0131: Soru\u015fturman\u0131n Ayr\u0131nt\u0131lar\u0131 ve Etkileri - Vipservis Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.vipservis.com\/blog\/rekabet-kurumu-mastercard-ve-visayi-mercek-altina-aldi-sorusturmanin-ayrintilari-ve-etkileri\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rekabet Kurumu Mastercard ve Visa\u2019y\u0131 Mercek Alt\u0131na Ald\u0131: Soru\u015fturman\u0131n Ayr\u0131nt\u0131lar\u0131 ve Etkileri - Vipservis Blog\" \/>\n<meta property=\"og:description\" content=\"Rekabet Kurumu&#8217;ndan Mastercard ve Visa&#8217;ya Kapsaml&#305; Soru&#351;turma T&uuml;rkiye Rekabet Kurumu, d&uuml;nyaca &uuml;nl&uuml; &ouml;deme sistemi devleri olan Visa ve Mastercard hakk&#305;nda &ouml;nemli bir soru&#351;turma ba&#351;latt&#305;. 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