# AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS number for corporate transfers over TRY 30,000

- **ID:** `banking/turkey-mersis-iban`
- **Domain:** banking
- **Category:** config_error
- **Error Code:** `MERSIS-REQUIRED`
- **Verification:** ai_generated
- **Fix Rate:** 85%

## Root Cause

Turkish tax regulation (Vergi Usul Kanunu) mandates that all corporate payments exceeding TRY 30,000 must include the payer's MERSIS number (Merkezi Sicil Kayıt Sistemi) for tax reporting; without it, the bank holds the transfer pending compliance review.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| Turkish Tax Procedure Law (VUK) Article 230 | active | — | — |
| MERSIS system (2015+) | active | — | — |
| Turkish banking regulation for corporate payments | active | — | — |

## Workarounds

1. **Provide the Turkish payer with your company's MERSIS number (if registered in Turkey) or request that they use their own MERSIS number in the payment reference field when initiating the transfer.** (90% success)
   ```
   Provide the Turkish payer with your company's MERSIS number (if registered in Turkey) or request that they use their own MERSIS number in the payment reference field when initiating the transfer.
   ```
2. **If you are a foreign supplier without a Turkish tax ID, ask the payer to use the 'Yurt Dışı' (abroad) payment option in their bank's system, which bypasses the MERSIS requirement for cross-border transfers.** (85% success)
   ```
   If you are a foreign supplier without a Turkish tax ID, ask the payer to use the 'Yurt Dışı' (abroad) payment option in their bank's system, which bypasses the MERSIS requirement for cross-border transfers.
   ```
3. **Send a written request to the Turkish payer's bank (via the payer) with a copy of the invoice and a declaration that the payment is for foreign trade, which may exempt it from the MERSIS rule under certain conditions.** (75% success)
   ```
   Send a written request to the Turkish payer's bank (via the payer) with a copy of the invoice and a declaration that the payment is for foreign trade, which may exempt it from the MERSIS rule under certain conditions.
   ```

## Dead Ends

- **** — Turkish banks aggregate same-day payments from the same payer to the same beneficiary; splitting does not avoid the threshold. (85% fail)
- **** — Personal accounts have their own limits (e.g., TRY 7,000 per day for non-residents) and may not accept corporate payments at all. (90% fail)
- **** — The bank will hold the payment indefinitely until the MERSIS number is provided; manual processing can take 5-10 business days. (95% fail)