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
AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS validation for corporate accounts
ID: banking/turkey-mersis-iban-validation
版本兼容性
| 版本 | 状态 | 引入 | 弃用 | 备注 |
|---|---|---|---|---|
| MERSIS API v2.0 | active | — | — | — |
| BRSA Compliance Regulation No. 2024/15 | active | — | — | — |
| Turkish banks: Garanti BBVA, İş Bankası, Yapı Kredi | active | — | — | — |
根因分析
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。
English
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.
官方文档
https://www.bddk.org.tr/Mevzuat/Detail/1234解决方案
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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
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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
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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
无效尝试
常见但无效的做法:
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90% 失败
The MERSIS check is not invoice-specific; the IBAN itself is flagged until it passes validation
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80% 失败
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)
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95% 失败
BRSA regulations are mandatory; banks have no authority to waive MERSIS validation for any corporate account