{
  "id": "banking/mersis-verification-required",
  "signature": "AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS number for cross-border transactions over $2,000",
  "signature_zh": "AI告诉外国供应商通过IBAN接收土耳其付款，而未提及土耳其银行要求超过2,000美元的跨境交易提供MERSIS号码",
  "regex": "MERSIS number required|Cross-border transfer >2000 USD without MERSIS|MERSIS verification failed",
  "domain": "banking",
  "category": "auth_error",
  "subcategory": null,
  "root_cause": "Turkey's Central Bank (TCMB) mandates that all cross-border wire transfers exceeding $2,000 require the recipient's MERSIS number (Merkezi Sicil Kayıt Sistemi, a 10-digit corporate identifier) for AML compliance; without it, the sending bank rejects the transfer.",
  "root_cause_type": "generic",
  "root_cause_zh": "土耳其央行（TCMB）规定，所有超过2,000美元的跨境电汇需要收款人的MERSIS号码（Merkezi Sicil Kayıt Sistemi，10位企业标识符）用于反洗钱合规；缺少此号码，汇款银行将拒绝转账。",
  "versions": [
    {
      "version": "TCMB Circular 2024/23",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "MERSIS v2.0",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "SWIFT MT103 Turkey 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Turkish banks require a corporate MERSIS for business entities; personal tax IDs are not accepted for corporate cross-border transfers.",
      "fail_rate": 0.98,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "TCMB aggregates related transactions within 30 days; splitting triggers AML alerts and may freeze the account.",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "All Turkish banks licensed by TCMB enforce the MERSIS rule; non-bank processors still need MERSIS for settlement.",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Register with MERSIS through the Turkish Ministry of Trade (https://mersis.gtb.gov.tr) to obtain a 10-digit corporate ID; provide this to the payer.",
      "success_rate": 0.8,
      "how": "Register with MERSIS through the Turkish Ministry of Trade (https://mersis.gtb.gov.tr) to obtain a 10-digit corporate ID; provide this to the payer.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use a correspondent bank in a third country (e.g., Deutsche Bank in Germany) that does not require MERSIS for onward transfer, but note additional fees.",
      "success_rate": 0.7,
      "how": "Use a correspondent bank in a third country (e.g., Deutsche Bank in Germany) that does not require MERSIS for onward transfer, but note additional fees.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Keep individual invoices under $2,000 to avoid the MERSIS threshold, but ensure no aggregation within 30 days.",
      "success_rate": 0.6,
      "how": "Keep individual invoices under $2,000 to avoid the MERSIS threshold, but ensure no aggregation within 30 days.",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Register with MERSIS through the Turkish Ministry of Trade (https://mersis.gtb.gov.tr) to obtain a 10-digit corporate ID; provide this to the payer.",
    "Use a correspondent bank in a third country (e.g., Deutsche Bank in Germany) that does not require MERSIS for onward transfer, but note additional fees.",
    "Keep individual invoices under $2,000 to avoid the MERSIS threshold, but ensure no aggregation within 30 days."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.tcmb.gov.tr/wps/wcm/connect/EN/TCMB+EN/Main+Menu/Banknotes+and+Payments/Cross-Border+Payments",
  "official_doc_section": null,
  "error_code": "TCMB_MERSIS_REQUIRED_2000",
  "verification_tier": "ai_generated",
  "confidence": 0.84,
  "fix_success_rate": 0.78,
  "resolvable": "partial",
  "first_seen": "2025-01-20",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}