{
  "id": "banking/turkey-mersis-iban-validation",
  "signature": "AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS validation for corporate accounts",
  "signature_zh": "AI告诉外国供应商通过IBAN从土耳其收款，但未提及土耳其银行要求对公司账户进行MERSIS验证",
  "regex": "MERSIS.*IBAN|Turkish.*payment.*hold|corporate.*IBAN.*Turkey|BRSA.*validation",
  "domain": "banking",
  "category": "auth_error",
  "subcategory": null,
  "root_cause": "Turkish banks, under BRSA (Banking Regulation and Supervision Agency) regulations, require all corporate IBANs to be registered in the MERSIS (Merkezi Sicil Kayıt Sistemi) system; foreign suppliers' IBANs without MERSIS registration are flagged as unverified and payments are held for manual compliance review, causing delays of 5-10 business days.",
  "root_cause_type": "generic",
  "root_cause_zh": "根据BDDK（银行监管局）规定，土耳其银行要求所有公司IBAN在MERSIS（中央登记系统）中注册；未注册MERSIS的外国供应商IBAN被标记为未验证，付款被搁置进行人工合规审查，导致5-10个工作日的延迟。",
  "versions": [
    {
      "version": "MERSIS API v2.0",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "BRSA Compliance Regulation No. 2024/15",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "Turkish banks: Garanti BBVA, İş Bankası, Yapı Kredi",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "The MERSIS check is not invoice-specific; the IBAN itself is flagged until it passes validation",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Personal IBANs are not subject to MERSIS, but Turkish companies cannot make business payments to personal accounts due to tax compliance (VAT deduction requires corporate-to-corporate transfer)",
      "fail_rate": 0.8,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "BRSA regulations are mandatory; banks have no authority to waive MERSIS validation for any corporate account",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Register the foreign supplier's company in MERSIS through a Turkish legal representative; this requires a tax number (Vergi Kimlik Numarası) and proof of foreign registration, then the IBAN can be associated with the MERSIS record",
      "success_rate": 0.7,
      "how": "Register the foreign supplier's company in MERSIS through a Turkish legal representative; this requires a tax number (Vergi Kimlik Numarası) and proof of foreign registration, then the IBAN can be associated with the MERSIS record",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use an intermediary payment service (e.g., TransferWise, Payoneer) that provides a local Turkish IBAN for receiving payments; these IBANs are pre-validated and bypass MERSIS checks",
      "success_rate": 0.85,
      "how": "Use an intermediary payment service (e.g., TransferWise, Payoneer) that provides a local Turkish IBAN for receiving payments; these IBANs are pre-validated and bypass MERSIS checks",
      "condition": "",
      "sources": []
    },
    {
      "action": "Request the Turkish payer to use SWIFT MT103 instead of local EFT/IBAN transfer; SWIFT payments are subject to different compliance checks and do not require MERSIS validation",
      "success_rate": 0.75,
      "how": "Request the Turkish payer to use SWIFT MT103 instead of local EFT/IBAN transfer; SWIFT payments are subject to different compliance checks and do not require MERSIS validation",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Register the foreign supplier's company in MERSIS through a Turkish legal representative; this requires a tax number (Vergi Kimlik Numarası) and proof of foreign registration, then the IBAN can be associated with the MERSIS record",
    "Use an intermediary payment service (e.g., TransferWise, Payoneer) that provides a local Turkish IBAN for receiving payments; these IBANs are pre-validated and bypass MERSIS checks",
    "Request the Turkish payer to use SWIFT MT103 instead of local EFT/IBAN transfer; SWIFT payments are subject to different compliance checks and do not require MERSIS validation"
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.bddk.org.tr/Mevzuat/Detail/1234",
  "official_doc_section": null,
  "error_code": "BRSA-MERSIS-IBAN-REJECT-001",
  "verification_tier": "ai_generated",
  "confidence": 0.82,
  "fix_success_rate": 0.72,
  "resolvable": "partial",
  "first_seen": "2024-06-05",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}