{"id":9188,"date":"2025-07-18T16:08:17","date_gmt":"2025-07-18T16:08:17","guid":{"rendered":"https:\/\/www.vipservis.com\/blog\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/"},"modified":"2025-07-18T16:08:17","modified_gmt":"2025-07-18T16:08:17","slug":"mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme","status":"publish","type":"post","link":"https:\/\/www.vipservis.com\/blog\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/","title":{"rendered":"Mastercard ve Visa&#8217;ya T\u00fcrkiye&#8217;de Rekabet Kurulu&#8217;ndan Yeni Soru\u015fturma: \u00d6deme Sistemlerinde Kritik \u0130nceleme"},"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\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/#Rekabet_Kurulundan_Mastercard_ve_Visaya_Yeni_Sorusturma_Hamlesi\" >Rekabet Kurulu&#8217;ndan Mastercard ve Visa&#8217;ya Yeni Soru&#351;turma Hamlesi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.vipservis.com\/blog\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/#Odeme_Kuruluslari_ve_Uluslararasi_Islemler_Surec_Nasil_Isliyor\" >&Ouml;deme Kurulu&#351;lar&#305; ve Uluslararas&#305; &#304;&#351;lemler: S&uuml;re&ccedil; Nas&#305;l &#304;&#351;liyor?<\/a><\/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\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/#Alternatif_Odeme_Sistemleri_ve_Sektorel_Rekabet\" >Alternatif &Ouml;deme Sistemleri ve Sekt&ouml;rel Rekabet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.vipservis.com\/blog\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/#Iddialar_ve_Ilk_Bulgular_Bankalara_Yaptirim_Gundemde\" >&#304;ddialar ve &#304;lk Bulgular: Bankalara Yapt&#305;r&#305;m G&uuml;ndemde<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.vipservis.com\/blog\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/#One_Cikan_Sorusturma_Basliklari\" >&Ouml;ne &Ccedil;&#305;kan Soru&#351;turma Ba&#351;l&#305;klar&#305;<\/a><\/li><\/ul><\/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\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/#Sorusturmanin_Sektore_Olasi_Etkileri\" >Soru&#351;turman&#305;n Sekt&ouml;re Olas&#305; Etkileri<\/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\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/#Rekabet_Kurulunun_Aciklamasi_ve_Surecin_Devami\" >Rekabet Kurulu&#8217;nun A&ccedil;&#305;klamas&#305; ve S&uuml;recin Devam&#305;<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Rekabet_Kurulundan_Mastercard_ve_Visaya_Yeni_Sorusturma_Hamlesi\"><\/span>Rekabet Kurulu&#8217;ndan Mastercard ve Visa&#8217;ya Yeni Soru&#351;turma Hamlesi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\nRekabet Kurulu, T&uuml;rkiye&rsquo;de &ouml;deme sistemleri pazar&#305;nda faaliyet g&ouml;steren iki dev &#351;irket Mastercard ve Visa hakk&#305;nda <b>rekabet ihlallerine y&ouml;nelik kapsaml&#305; bir soru&#351;turma<\/b> ba&#351;latt&#305;. Kurulun yapt&#305;&#287;&#305; ilk a&ccedil;&#305;klamaya g&ouml;re, soru&#351;turman&#305;n merkezinde, <b>Mastercard ve Visa&#8217;n&#305;n T&uuml;rkiye&rsquo;deki &ouml;deme kurulu&#351;lar&#305;n&#305;n yurt d&#305;&#351;&#305; i&#351;lemlerini engelleyip engellemedikleri<\/b> ve <b>alternatif &ouml;deme sistemlerine kar&#351;&#305; d&#305;&#351;lay&#305;c&#305; uygulamalara ba&#351;vurup ba&#351;vurmad&#305;klar&#305;<\/b> iddialar&#305; bulunuyor.\n<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2025\/07\/0cfbfb80e0b89699e5632c830802315d44fd23bd.jpeg\" alt=\"visa rekabet kurumu soru&#351;turma\" class=\"\" style=\"max-width: 100%;height: auto;margin: 10px auto\"><\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Odeme_Kuruluslari_ve_Uluslararasi_Islemler_Surec_Nasil_Isliyor\"><\/span>&Ouml;deme Kurulu&#351;lar&#305; ve Uluslararas&#305; &#304;&#351;lemler: S&uuml;re&ccedil; Nas&#305;l &#304;&#351;liyor?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\nT&uuml;rkiye&rsquo;de faaliyet g&ouml;steren &ouml;deme kurulu&#351;lar&#305;, t&uuml;keticilere ve ticari i&#351;letmelere daha uygun ko&#351;ullar sunmak amac&#305;yla, yurtd&#305;&#351;&#305;nda yerle&#351;ik i&#351;yerleriyle <b>ikili anla&#351;malar<\/b> yaparak hizmet sa&#287;layabiliyorlar. B&ouml;ylece kullan&#305;c&#305;lar, Mastercard ve Visa&#8217;n&#305;n genellikle uygulad&#305;&#287;&#305; <b>s&#305;n&#305;r d&#305;&#351;&#305; i&#351;lem &uuml;cretlerinden muaf tutuluyor<\/b>; bu durum ise sekt&ouml;re &ouml;nemli bir maliyet avantaj&#305; sa&#287;l&#305;yor.\n<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Alternatif_Odeme_Sistemleri_ve_Sektorel_Rekabet\"><\/span>Alternatif &Ouml;deme Sistemleri ve Sekt&ouml;rel Rekabet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\nYap&#305;lan soru&#351;turman&#305;n bir ba&#351;ka oda&#287;&#305;n&#305; da, Mastercard ve Visa&rsquo;n&#305;n, T&uuml;rkiye&rsquo;deki &ouml;deme kurulu&#351;lar&#305;n&#305;n sa&#287;lad&#305;&#287;&#305; alternatif &ouml;deme sistemlerini <b>kendi POS altyap&#305;lar&#305;n&#305; yurtd&#305;&#351;&#305;nda kullan&#305;ma kapatarak<\/b> veya <b>rakip finansal &ccedil;&ouml;z&uuml;mleri d&#305;&#351;layacak uygulamalara ba&#351;vurarak engelleyip engellemedi&#287;i<\/b> olu&#351;turuyor. Kurul, bu alanda tespit edilen olas&#305; <b>d&#305;&#351;lay&#305;c&#305; uygulamalar&#305;<\/b> ayr&#305;nt&#305;l&#305; &#351;ekilde inceleyece&#287;ini belirtti.\n<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Iddialar_ve_Ilk_Bulgular_Bankalara_Yaptirim_Gundemde\"><\/span>&#304;ddialar ve &#304;lk Bulgular: Bankalara Yapt&#305;r&#305;m G&uuml;ndemde<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\nRekabet Kurulu&rsquo;nun yapt&#305;&#287;&#305; resmi a&ccedil;&#305;klamada, <b>Mastercard ve Visa&rsquo;n&#305;n &ouml;deme kurulu&#351;lar&#305;n&#305;, yapt&#305;klar&#305; ikili anla&#351;malar nedeni ile kendi olu&#351;turduklar&#305; &#351;ema kurallar&#305;na ayk&#305;r&#305; hareket ettikleri gerek&ccedil;esiyle bankalara yapt&#305;r&#305;m uygulamak gibi &ccedil;e&#351;itli y&ouml;ntemlerle engelledi&#287;ine dair &ouml;nemli bulgular<\/b> elde edildi&#287;i kaydedildi. Bu durumun, sekt&ouml;rdeki rekabetin s&#305;n&#305;rland&#305;&#287;&#305; ve alternatif &ouml;deme &ccedil;&ouml;z&uuml;mlerinin &ouml;n&uuml;n&uuml;n kapand&#305;&#287;&#305; iddialar&#305;n&#305; g&uuml;&ccedil;lendirdi&#287;i ifade ediliyor.\n<\/p>\n<\/p>\n<h3><span class=\"ez-toc-section\" id=\"One_Cikan_Sorusturma_Basliklari\"><\/span>&Ouml;ne &Ccedil;&#305;kan Soru&#351;turma Ba&#351;l&#305;klar&#305;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<tr>\n<th>&#304;nceleme Konusu<\/th>\n<th>Detaylar<\/th>\n<\/tr>\n<tr>\n<td>Yurt d&#305;&#351;&#305; POS altyap&#305;s&#305;<\/td>\n<td>Mastercard ve Visa&#8217;n&#305;n T&uuml;rkiye&rsquo;deki &ouml;deme kurulu&#351;lar&#305;n&#305;n yurtd&#305;&#351;&#305;nda POS kullan&#305;m&#305;n&#305; engelleyip engellemedi&#287;i<\/td>\n<\/tr>\n<tr>\n<td>Alternatif sistemler<\/td>\n<td>Farkl&#305; &ouml;deme &ccedil;&ouml;z&uuml;mlerinin geli&#351;tirilmesinin d&#305;&#351;lay&#305;c&#305; uygulamalarla s&#305;n&#305;rland&#305;r&#305;lmas&#305;<\/td>\n<\/tr>\n<tr>\n<td>Yapt&#305;r&#305;m uygulamalar&#305;<\/td>\n<td>&#350;ema kurallar&#305;na ayk&#305;r&#305;l&#305;k iddias&#305;yla bankalara y&ouml;nelik bask&#305; veya yapt&#305;r&#305;m y&ouml;ntemleri<\/td>\n<\/tr>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Sorusturmanin_Sektore_Olasi_Etkileri\"><\/span>Soru&#351;turman&#305;n Sekt&ouml;re Olas&#305; Etkileri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\nBu t&uuml;r kapsaml&#305; rekabet soru&#351;turmalar&#305;n&#305;n, hem <b>sekt&ouml;rdeki rekabet ortam&#305;n&#305; g&uuml;&ccedil;lendirmesi<\/b> hem de <b>t&uuml;keticilerin yurt d&#305;&#351;&#305; i&#351;lemlerinde daha avantajl&#305; ko&#351;ullara ula&#351;mas&#305;na katk&#305; sa&#287;lamas&#305;<\/b> &ouml;ng&ouml;r&uuml;l&uuml;yor. Soru&#351;turma s&uuml;recinde ortaya &ccedil;&#305;kacak geli&#351;meler, <b>kartl&#305; &ouml;deme sistemleri alan&#305;ndaki uygulamalar&#305;n yeniden &#351;ekillenmesine<\/b> neden olabilir.\n<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Rekabet_Kurulunun_Aciklamasi_ve_Surecin_Devami\"><\/span>Rekabet Kurulu&#8217;nun A&ccedil;&#305;klamas&#305; ve S&uuml;recin Devam&#305;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\nRekabet Kurulu&rsquo;nun detayl&#305; a&ccedil;&#305;klamas&#305;nda, T&uuml;rkiye&rsquo;de faaliyet g&ouml;steren &ouml;deme kurulu&#351;lar&#305;n&#305;n, yurtd&#305;&#351;&#305;nda yapt&#305;klar&#305; ikili anla&#351;malar sayesinde, yurtd&#305;&#351;&#305;nda yerle&#351;ik i&#351;yerlerine &ouml;deme yapmak isteyen t&uuml;keticilere bu hizmeti sunabildikleri vurguland&#305;. S&ouml;z konusu iki &#351;irketin, yasalar&#305;n izin verdi&#287;i &ouml;l&ccedil;&uuml;de bu i&#351;lemlerden al&#305;nan <b>s&#305;n&#305;r d&#305;&#351;&#305; i&#351;lem &uuml;cretlerinden muafiyet<\/b> durumuna olumsuz reaksiyon g&ouml;sterip g&ouml;stermedi&#287;i de dikkatle izlenecek.\n<\/p>\n<p>\n&Ouml;n&uuml;m&uuml;zdeki s&uuml;re&ccedil;te Rekabet Kurulu, hem <b>Mastercard ve Visa&#8217;n&#305;n kartl&#305; &ouml;deme ve POS altyap&#305;s&#305;n&#305;n yurtd&#305;&#351;&#305;na a&ccedil;&#305;lmas&#305;yla ilgili tutumunu<\/b> hem de <b>alternatif &ouml;deme &ccedil;&ouml;z&uuml;mlerine kar&#351;&#305; olas&#305; d&#305;&#351;lay&#305;c&#305; hamleleri derinlemesine ara&#351;t&#305;racak<\/b>. Sekt&ouml;rdeki t&uuml;m g&ouml;zler, bu soru&#351;turmadan &ccedil;&#305;kacak sonu&ccedil;lara &ccedil;evrilmi&#351; durumda.\n<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rekabet Kurulu&#8217;ndan Mastercard ve Visa&#8217;ya Yeni Soru&#351;turma Hamlesi Rekabet Kurulu, T&uuml;rkiye&rsquo;de &ouml;deme sistemleri pazar&#305;nda faaliyet g&ouml;steren iki dev &#351;irket Mastercard ve Visa hakk&#305;nda rekabet ihlallerine y&ouml;nelik kapsaml&#305; bir soru&#351;turma ba&#351;latt&#305;. Kurulun yapt&#305;&#287;&#305; ilk a&ccedil;&#305;klamaya g&ouml;re, soru&#351;turman&#305;n merkezinde, Mastercard ve Visa&#8217;n&#305;n T&uuml;rkiye&rsquo;deki &ouml;deme kurulu&#351;lar&#305;n&#305;n yurt d&#305;&#351;&#305; i&#351;lemlerini engelleyip engellemedikleri ve alternatif &ouml;deme sistemlerine kar&#351;&#305; d&#305;&#351;lay&#305;c&#305; uygulamalara [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9186,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17216],"tags":[],"class_list":["post-9188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-internet-haberleri-ve-icerikleri"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mastercard ve Visa&#039;ya T\u00fcrkiye&#039;de Rekabet Kurulu&#039;ndan Yeni Soru\u015fturma: \u00d6deme Sistemlerinde Kritik \u0130nceleme - 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\/mastercard-ve-visaya-turkiyede-rekabet-kurulundan-yeni-sorusturma-odeme-sistemlerinde-kritik-inceleme\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mastercard ve Visa&#039;ya T\u00fcrkiye&#039;de Rekabet Kurulu&#039;ndan Yeni Soru\u015fturma: \u00d6deme Sistemlerinde Kritik \u0130nceleme - Vipservis Blog\" \/>\n<meta property=\"og:description\" content=\"Rekabet Kurulu&#8217;ndan Mastercard ve Visa&#8217;ya Yeni Soru&#351;turma Hamlesi Rekabet Kurulu, T&uuml;rkiye&rsquo;de &ouml;deme sistemleri pazar&#305;nda faaliyet g&ouml;steren iki dev &#351;irket Mastercard ve Visa hakk&#305;nda rekabet ihlallerine y&ouml;nelik kapsaml&#305; bir soru&#351;turma ba&#351;latt&#305;. 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