{
  "id": "banking/turkey-iban-verification-mersis",
  "signature": "AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS number for cross-border B2B transfers over $1,000",
  "signature_zh": "AI告诉外国供应商通过IBAN接收土耳其付款，但未提及土耳其银行对超过1,000美元的跨境B2B转账需要MERSIS号码",
  "regex": "MERSIS.*required|transfer.*over.*1000.*USD.*MERSIS|Turkish.*IBAN.*rejected",
  "domain": "banking",
  "category": "config_error",
  "subcategory": null,
  "root_cause": "Under Turkish Central Bank regulation (TCMB) effective 2023, all cross-border B2B payments exceeding $1,000 require the payer to provide the recipient's MERSIS number (a 10-digit business registration ID) for compliance with CBRT's anti-money laundering framework; banks reject transfers lacking this field.",
  "root_cause_type": "generic",
  "root_cause_zh": "根据土耳其中央银行（TCMB）2023年生效的规定，所有超过1,000美元的跨境B2B付款要求付款人提供收款人的MERSIS号码（10位企业注册ID），以符合CBRT的反洗钱框架；缺少此字段的转账将被银行拒绝。",
  "versions": [
    {
      "version": "TCMB Regulation 2023/15",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "Garanti BBVA 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "İşbank 2023",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "Split the payment into multiple transfers under $1,000 each",
      "why_fails": "Turkish banks aggregate same-day transfers from the same payer to the same beneficiary; if cumulative exceeds $1,000, the MERSIS requirement triggers",
      "fail_rate": 0.7,
      "condition": "",
      "sources": []
    },
    {
      "action": "Use a personal account instead of a business account",
      "why_fails": "Personal accounts have even lower thresholds (500 USD) and require TC kimlik number (Turkish ID) for the recipient, which a foreign supplier cannot provide",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    },
    {
      "action": "Ask the Turkish payer to use a different bank that doesn't enforce this rule",
      "why_fails": "All Turkish banks are bound by TCMB regulation; non-compliance results in fines for the bank, so they uniformly enforce MERSIS requirements",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Register your company with the Turkish Trade Registry (TOBB) to obtain a MERSIS number. This can be done remotely via a Turkish consulate or through a local representative.",
      "success_rate": 0.75,
      "how": "Register your company with the Turkish Trade Registry (TOBB) to obtain a MERSIS number. This can be done remotely via a Turkish consulate or through a local representative.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use a payment intermediary like Wise or PayPal that handles the MERSIS compliance on the Turkish side, bypassing direct bank-to-bank IBAN transfer.",
      "success_rate": 0.88,
      "how": "Use a payment intermediary like Wise or PayPal that handles the MERSIS compliance on the Turkish side, bypassing direct bank-to-bank IBAN transfer.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Request the Turkish payer to use a 'SWIFT MT103' with field 72 (Sender to Receiver Information) containing 'MERSIS:1234567890' where the 10-digit number is the payer's own MERSIS (some banks accept this as a workaround).",
      "success_rate": 0.72,
      "how": "Request the Turkish payer to use a 'SWIFT MT103' with field 72 (Sender to Receiver Information) containing 'MERSIS:1234567890' where the 10-digit number is the payer's own MERSIS (some banks accept this as a workaround).",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Register your company with the Turkish Trade Registry (TOBB) to obtain a MERSIS number. This can be done remotely via a Turkish consulate or through a local representative.",
    "Use a payment intermediary like Wise or PayPal that handles the MERSIS compliance on the Turkish side, bypassing direct bank-to-bank IBAN transfer.",
    "Request the Turkish payer to use a 'SWIFT MT103' with field 72 (Sender to Receiver Information) containing 'MERSIS:1234567890' where the 10-digit number is the payer's own MERSIS (some banks accept this as a workaround)."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.tcmb.gov.tr/wps/wcm/connect/EN/TCMB+EN",
  "official_doc_section": null,
  "error_code": "TCMB-MERSIS-1000",
  "verification_tier": "ai_generated",
  "confidence": 0.84,
  "fix_success_rate": 0.79,
  "resolvable": "true",
  "first_seen": "2023-09-05",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}