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Law No. 6493, titled "Law on Payment and Securities Settlement Systems, Payment Services, and Electronic Money Institutions," came into force on June 27, 2013, and is the fundamental legislation regulating payment systems in Turkey. The purpose of this law is to regulate the procedures and principles relating to payment and securities settlement systems, payment services, payment institutions, and electronic money institutions.
With this law that came into force in 2013, the concepts of "payment service," "payment institution," and "electronic money institution" were defined for the first time in our country's legislation. With the amendment made in 2020, the authority to regulate, license, and supervise payment institutions and electronic money institutions was transferred to the Central Bank of the Republic of Turkey (CBRT).
Cafes and restaurants use POS devices to accept credit cards, debit cards, and other electronic payment methods in their daily operations. Payment service providers within the scope of Law No. 6493 make agreements with merchants to enable acceptance of debit or credit cards.
Important Points for Businesses:
Your POS device provider must have an operating license within the scope of Law No. 6493
Payment institutions must provide "payment instrument acceptance" services within the scope of their operating license obtained from the CBRT
Working with unlicensed payment institutions may create legal risks
According to the new regulation draft, establishments offering goods and services with a payment method within the scope of payment services will need to have a special business code established by Interbank Card Center Inc.
Important MCC Codes for Cafes and Restaurants:
5812: Standard MCC code used for restaurants
5811, 5814, 5499: Codes used for other cafe and restaurant categories
These codes are used for the following purposes:
Determining interchange fees
Rewarding cardholders and campaigns
Fraud detection and risk management
Within the scope of the New Generation Payment Recording Device (YN ÖKC) usage requirement, cafes and restaurants are obligated to issue fiscal receipts when accepting payments.
Basic Obligations:
Use of EFT-POS enabled YN ÖKC
Issuing integrated receipts (for debit/credit card payments)
Transmission of daily closing reports to the Revenue Administration
According to Law No. 6493, electronic money is a monetary value issued against funds accepted by the electronic money issuing institution, stored electronically, and used to perform payment transactions.
Electronic money applications for cafes and restaurants:
Prepaid cards
Mobile payment applications
Loyalty programs (campaigns like 5% cashback)
Modern cafes and restaurants need virtual POS systems to use online payment systems in e-commerce. For integration with platforms like Yemek Sepeti, Getir, Trendyol, Migros, and Fuudy, payment systems must comply with Law No. 6493.
Law No. 6493: Law on Payment and Securities Settlement Systems, Payment Services, and Electronic Money Institutions (June 27, 2013)
Regulation on Payment Services and Electronic Money Issuance and Payment Service Providers (December 1, 2021)
Regulation on Generation and Use of TR QR Code in Payments
Regulation on Non-Use of Crypto Assets in Payments
Communiqué on Information Systems of Payment and Electronic Money Institutions and Data Sharing Services of Payment Service Providers in the Payment Services Field
Explanation Guide on Administrative Fines Under Law No. 6493
Check your current POS provider's CBRT operating license
Follow the list of operating payment institutions on the CBRT website
Ensure your payment infrastructure complies with current regulations
Ensure your business has the correct MCC code
Using the code appropriate to your field of activity prevents encountering extra fees and obligations
Check that your YN ÖKC system is up to date
Set up integrated receipt issuance system for debit card payments
Review your daily reporting systems
Obligation to ensure security of personal data is evaluated under KVKK (Personal Data Protection Law)
Review payment data processing procedures
Establish notification procedures in case of data breach
Ease of accurate tax reporting and following industry trends
Transaction cost guarantee with clear rates and fees thanks to correct codes
Increased customer satisfaction (various payment options)
Cardholders can benefit from special campaigns when spending in certain categories
Secure payment infrastructure
Fast and practical payment experience
Law No. 6493 is the fundamental legislation regulating payment systems, which are an integral part of the daily operations of cafes and restaurants. The continuous supervision of institutions operating under this law by the CBRT increases the security of the financial system.
As business owners, complying with this legislation is not only a legal obligation but also an opportunity to increase customer trust and ensure operational efficiency. Following current developments and arranging your payment infrastructure within the framework of this law will strengthen your business's competitive position.
CBRT Law No. 6493 Page: https://www.tcmb.gov.tr/wps/wcm/connect/TR/TCMB+TR/Main+Menu/Banka+Hakkinda/Mevzuat/6493/
CBRT Payment Systems Legislation: https://www.tcmb.gov.tr/wps/wcm/connect/tr/tcmb+tr/main+menu/banka+hakkinda/mevzuat/odeme+sistemleri
Payment Institutions List: https://www.tcmb.gov.tr/wps/wcm/connect/tr/tcmb+tr/main+menu/temel+faaliyetler/odeme+hizmetleri/odeme+kuruluslari
TÖDEB (Turkish Payment and Electronic Money Institutions Association): https://todeb.org.tr/
Official Gazette Legislation: https://www.mevzuat.gov.tr/
YN ÖKC Legislation (Revenue Administration): https://ynokc.gib.gov.tr/
This content has been prepared based on current legislation and practices as of 2025. It is recommended that you regularly follow official sources for updates in legislation.
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