{"id":2142,"date":"2023-10-08T23:20:23","date_gmt":"2023-10-08T20:20:23","guid":{"rendered":"https:\/\/yasarlaw.com\/tr\/?page_id=2142"},"modified":"2024-07-10T01:29:58","modified_gmt":"2024-07-09T22:29:58","slug":"odeme-sistemleri-mevzuatindaki-gelismeler","status":"publish","type":"page","link":"https:\/\/yasarlaw.com\/tr\/yayinlar\/odeme-sistemleri-mevzuatindaki-gelismeler\/","title":{"rendered":"\u00d6deme Sistemleri Mevzuat\u0131ndaki Geli\u015fmeler"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2142\" class=\"elementor elementor-2142\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1683c794 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1683c794\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ef10a83\" data-id=\"5ef10a83\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d0a8f48 elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"d0a8f48\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ffffff;\"><strong>\u00d6deme Sistemleri Mevzuat\u0131ndaki Geli\u015fmeler<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37652bf2 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37652bf2\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-135ac3b9\" data-id=\"135ac3b9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f2267ca elementor-widget elementor-widget-text-editor\" data-id=\"7f2267ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>07.10.2023 tarihli, 32332 say\u0131l\u0131 Resm\u00ee Gazete\u2019de T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (\u201c<strong>TCMB<\/strong>\u201d) taraf\u0131ndan yay\u0131mlanan <em>\u00d6deme Hizmetleri ve Elektronik Para \u0130hrac\u0131 ile \u00d6deme Hizmeti Sa\u011flay\u0131c\u0131lar\u0131 Hakk\u0131nda Y\u00f6netmelikte<\/em> (\u201c<strong>Y\u00f6netmelik<\/strong>\u201d) <em>De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Y\u00f6netmelik <\/em>(\u201c<strong>De\u011fi\u015fiklik Y\u00f6netmeli\u011fi<\/strong>\u201d) ve <em>\u00d6deme ve Elektronik Para Kurulu\u015flar\u0131n\u0131n Bilgi Sistemleri ile \u00d6deme Hizmeti Sa\u011flay\u0131c\u0131lar\u0131n\u0131n \u00d6deme Hizmetleri Alan\u0131ndaki Veri Payla\u015f\u0131m\u0131 Servislerine \u0130li\u015fkin Tebli\u011fde <\/em>(\u201c<strong>Tebli\u011f<\/strong>\u201d) <em>De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f<\/em> (\u201c<strong>De\u011fi\u015fiklik Tebli\u011fi<\/strong>\u201d) ile Y\u00f6netmelik\u2019te ve Tebli\u011f\u2019de \u00f6nemli de\u011fi\u015fiklikler yap\u0131lm\u0131\u015ft\u0131r.<\/p><p><strong>1. Dijital C\u00fczdan D\u00fczenlenmi\u015ftir<\/strong><\/p><p>TCMB taraf\u0131ndan yay\u0131mlanan \u00d6demeler Alan\u0131nda Sunulan \u0130\u015f Modellerinin \u00d6deme Hizmeti T\u00fcrleri ile \u0130li\u015fkilendirilmesine \u0130li\u015fkin Rehber\u2019de de tan\u0131mlanan dijital c\u00fczdan, De\u011fi\u015fiklik Y\u00f6netmeli\u011fi ile ilk defa d\u00fczenlenmi\u015f; dijital c\u00fczdan hizmetinin sunulmas\u0131n\u0131n \u015fartlar\u0131 h\u00fck\u00fcm alt\u0131na al\u0131nm\u0131\u015ft\u0131r. An\u0131lan rehberdekine benzer \u015fekilde dijital c\u00fczdan, m\u00fc\u015fterinin tan\u0131mlad\u0131\u011f\u0131 \u00f6deme hesab\u0131na veya \u00f6deme arac\u0131na ili\u015fkin bilgilerin sakland\u0131\u011f\u0131; bir elektronik cihaz, \u00e7evrim i\u00e7i hizmet veya uygulama olarak sunulan ve m\u00fc\u015fteriye, tan\u0131mlad\u0131\u011f\u0131 \u00f6deme hesab\u0131 veya \u00f6deme arac\u0131na ili\u015fkin bilgileri kullanarak \u00f6deme i\u015flemi ger\u00e7ekle\u015ftirme imk\u00e2n\u0131 sa\u011flayan \u00f6deme arac\u0131 olarak tan\u0131mlanm\u0131\u015ft\u0131r.<\/p><p>Y\u00f6netmelik\u2019e eklenen m. 4\/A uyar\u0131nca dijital c\u00fczdan hizmeti, \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131 taraf\u0131ndan sunulabilir. Sadece hizmeti sunan \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 nezdindeki \u00f6deme hesab\u0131 ve bu \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 taraf\u0131ndan \u00e7\u0131kar\u0131lan \u00f6deme arac\u0131n\u0131n tan\u0131mlanabildi\u011fi ve saklanabildi\u011fi elektronik cihaz, \u00e7evrim i\u00e7i hizmet veya uygulamalar dijital c\u00fczdan hizmeti olarak kabul edilmeyecektir.<\/p><p>An\u0131lan h\u00fck\u00fcm uyar\u0131nca, dijital c\u00fczdan hizmeti sunan kurulu\u015fun (i) asgari olarak her hal\u00fck\u00e2rda Y\u00f6netmelik m. 4\/1 (c) h\u00fckm\u00fc kapsam\u0131nda \u00f6deme arac\u0131n\u0131n ihrac\u0131 ile s\u0131n\u0131rl\u0131 olacak \u015fekilde, (ii) m\u00fc\u015fteriye sunulan hizmete g\u00f6re ek olarak Y\u00f6netmelik m. 4\/1\u2019de d\u00fczenlenen ilgili yetkilerle, (iii) dijital c\u00fczdan\u0131n i\u015f yerlerinde \u00f6deme arac\u0131 olarak kullan\u0131lmas\u0131 ve bu t\u00fcr i\u015flemlerde \u00f6deme i\u015flemine ili\u015fkin fonun dijital c\u00fczdan hizmeti sunan kurulu\u015f \u00fczerinden aktar\u0131lmas\u0131 hizmeti i\u00e7in elektronik para ihra\u00e7 etme yetkisiyle, (iv) dijital c\u00fczdan ile ba\u015fka bir \u00f6deme hizmet sa\u011flay\u0131c\u0131s\u0131n\u0131n \u00f6deme hesab\u0131n\u0131n veya \u00f6deme arac\u0131n\u0131n kullan\u0131labilmesi i\u00e7in \u00f6deme emri ba\u015flatma hizmeti yetkisiyle yetkilendirilmi\u015f olmas\u0131 gerekmektedir.<\/p><p><strong>2. \u00d6deme Hizmeti Sa\u011flay\u0131c\u0131s\u0131n\u0131n Altyap\u0131 Hizmetlerini Kulland\u0131rmas\u0131 Zorunlulu\u011funun Kapsam\u0131 Geni\u015fletilmi\u015ftir<\/strong><\/p><p>Y\u00f6netmelik m. 8 uyar\u0131nca, \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131; sunmakta oldu\u011fu \u00f6deme hesab\u0131 hizmetleri ve \u00f6deme hizmetlerine ili\u015fkin altyap\u0131 hizmetlerinin ba\u015fka bir \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 taraf\u0131ndan kullan\u0131lmak istenmesi durumunda, bu hizmeti kural olarak benzer ko\u015fullarda sunmakla y\u00fck\u00fcml\u00fc k\u0131l\u0131nm\u0131\u015ft\u0131. De\u011fi\u015fiklik Y\u00f6netmeli\u011fi ile eklenen h\u00fck\u00fcmler uyar\u0131nca, kontrol\u00fcn\u00fc elinde bulundurdu\u011fu \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131na ve di\u011fer \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131na birlikte altyap\u0131 hizmeti sunan \u00f6deme hizmeti sa\u011flay\u0131c\u0131; kontrol\u00fcn\u00fc elinde bulundurdu\u011fu kurulu\u015fa da dahil olmak \u00fczere ayn\u0131 nitelikteki hizmetleri ayn\u0131 \u015fartlar ve imkanlar dahilinde ve ayn\u0131 \u00fccret politikas\u0131yla sunmak zorundad\u0131r. Ek olarak, altyap\u0131s\u0131n\u0131 ve ba\u015fka bir \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131n\u0131n kontrol\u00fcn\u00fc elinde bulunduran \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131, kendi m\u00fc\u015fterilerini de altyap\u0131 hizmeti sundu\u011fu kurulu\u015flardan kontrol\u00fcn\u00fc elinde bulundurdu\u011fu kurulu\u015fa hizmet almak i\u00e7in y\u00f6nlendiremeyecek veya ondan hizmet almaya zorlayamayacakt\u0131r. B\u00f6ylece, \u00f6zellikle bankalar\u0131n \u00f6deme hizmeti sekt\u00f6r\u00fcndeki rekabeti bozucu etkilerinin giderilebilmesi m\u00fcmk\u00fcn olacakt\u0131r. \u00d6te yandan, mevzuattan do\u011fan y\u00fck\u00fcml\u00fcl\u00fckler ile g\u00fcvenlik, operasyonel ve teknik makul gereklilikler sebebiyle olu\u015fabilecek aksi uygulamalar, bu h\u00fck\u00fcmlere ayk\u0131r\u0131l\u0131k te\u015fkil etmeyecektir. Nihayet, kontrol\u00fc ba\u015fka bir \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131nda bulunan \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131, aray\u00fcz sa\u011flay\u0131c\u0131 olarak sundu\u011fu hizmetler hari\u00e7 olmak \u00fczere, kontrol\u00fcn\u00fc elinde bulunduran \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 ad\u0131na i\u015flem yapt\u0131\u011f\u0131 izlenimini uyand\u0131rmayacakt\u0131r.<\/p><p><strong>3. \u00d6deme Kurulu\u015flar\u0131 ve Elektronik Para Kurulu\u015flar\u0131n\u0131n Faaliyet Alanlar\u0131 Geni\u015fletilmi\u015ftir<\/strong><\/p><p>De\u011fi\u015fiklik Y\u00f6netmeli\u011fi ile \u00f6deme kurulu\u015flar\u0131 ve elektronik para kurulu\u015flar\u0131n\u0131n faaliyet alanlar\u0131 geni\u015fletilmi\u015ftir. \u015e\u00f6yle ki, kurulu\u015flar, kendi nezdinde bulunan hesaplar bak\u0131m\u0131ndan t\u00fczel ki\u015filere katma de\u011ferli hizmetler, ger\u00e7ek ki\u015filere ise nitelikli hizmetler sunabilecektir. Bu kurulu\u015flardan \u00f6deme emri ba\u015flatma hizmeti ve bir veya daha fazla \u00f6deme hesab\u0131na ili\u015fkin konsolide edilmi\u015f bilgileri sunma hizmeti yetkisine sahip kurulu\u015flar ise di\u011fer kurulu\u015flar nezdindeki hesaplar bak\u0131m\u0131ndan da bu hizmeti sunabilecektir.<\/p><p>Ek olarak, k\u0131ymetli maden ve ta\u015f ile d\u00f6viz al\u0131m sat\u0131m\u0131 hari\u00e7 olmak \u00fczere, \u00f6deme kurulu\u015flar\u0131 ve elektronik para kurulu\u015flar\u0131 taraf\u0131ndan aray\u00fcz sa\u011flay\u0131c\u0131l\u0131\u011f\u0131 hizmeti ile finansal kurulu\u015flar\u0131n \u00f6deme hizmetlerinin m\u00fc\u015fteri taraf\u0131ndan kullan\u0131m\u0131n\u0131 art\u0131rmaya y\u00f6nelik yan hizmetler de sunulabilecektir. An\u0131lan yan hizmetler asli faaliyetin tamam\u0131n\u0131 kapsamayacakt\u0131r.<\/p><p>Nihayet, azami olarak Y\u00f6netmelik m. 33\/4 h\u00fckm\u00fc uyar\u0131nca hesaplanan bir \u00f6nceki takvim y\u0131l\u0131ndaki \u00f6deme hacminin y\u00fczde biri ile s\u0131n\u0131rl\u0131 olmak \u00fczere k\u0131ymetli maden ve ta\u015f al\u0131m sat\u0131m\u0131 ve ilgili faaliyetlere arac\u0131l\u0131k edilmesi de m\u00fcmk\u00fcn k\u0131l\u0131nm\u0131\u015ft\u0131r.<\/p><p><strong>4. Uzaktan \u0130leti\u015fim Arac\u0131yla Y\u00fcr\u00fct\u00fclecek Kimlik Tespitinde De\u011fi\u015fiklikler<\/strong><\/p><p>De\u011fi\u015fiklik Tebli\u011fi ile Tebli\u011f\u2019deki uzaktan ileti\u015fim arac\u0131 ile kurulacak s\u00f6zle\u015fmelere ili\u015fkin m. 22 h\u00fckm\u00fc MASAK Genel Tebli\u011fi (S\u0131ra No: 19) ile uyumlu hale getirilmi\u015f ve an\u0131lan Tebli\u011f ile uyumlu olarak uzaktan ileti\u015fim arac\u0131 ile kimlik tespitine ili\u015fkin kurallar d\u00fczenlenmi\u015ftir.<\/p><p><strong>5. Di\u011fer H\u00fck\u00fcmler<\/strong><\/p><p>De\u011fi\u015fiklik Y\u00f6netmeli\u011fi ile Y\u00f6netmelik\u2019teki anonim \u00f6n \u00f6demeli ara\u00e7 tan\u0131m\u0131na Mali Su\u00e7lar\u0131 Ara\u015ft\u0131rma Kurulu (\u201c<strong>MASAK<\/strong>\u201d) Genel Tebli\u011fi\u2019nin (S\u0131ra No: 5) 2.2.9. maddesindeki \u00f6n \u00f6demeli kartlara ili\u015fkin i\u015flemler ve 2.2.11. maddesindeki kimlik tespiti yap\u0131lmas\u0131 zorunlulu\u011fu olmaks\u0131z\u0131n mal ve hizmet al\u0131m\u0131nda kullan\u0131labilecek elektronik para ihrac\u0131 ve \u00f6deme hizmetleri i\u00e7in \u00f6ng\u00f6r\u00fclen parasal s\u0131n\u0131rlar eklenerek MASAK mevzuat\u0131yla uyum sa\u011flanm\u0131\u015ft\u0131r.<\/p><p>De\u011fi\u015fiklik Tebli\u011fi ile getirilen h\u00fck\u00fcmler uyar\u0131nca, faaliyet izni ba\u015fvurusu s\u00fcrecinde ba\u015fvurudaki bilgi ve belge eksikliklerinin eksikli\u011fe ili\u015fkin TCMB yaz\u0131s\u0131n\u0131n tebli\u011finden itibaren \u00fc\u00e7 ay i\u00e7inde, faaliyet izni verilen kurulu\u015fun yeni bir faaliyet alan\u0131nda izin almak i\u00e7in yapt\u0131\u011f\u0131 ba\u015fvuru s\u00fcrecinde ise ba\u015fvurudaki bilgi ve belge eksikliklerinin eksikli\u011fe ili\u015fkin TCMB yaz\u0131s\u0131n\u0131n tebli\u011finden itibaren alt\u0131 ay i\u00e7inde tamamlanmamas\u0131 halinde ba\u015fvuru yap\u0131lmam\u0131\u015f say\u0131lacakt\u0131r.<\/p><p>De\u011fi\u015fiklik Tebli\u011fi ile pay devirlerinin do\u011frudan veya dolayl\u0131 pay sahipli\u011fi oranlar\u0131n\u0131 de\u011fi\u015ftirmeyecek \u015fekilde ili\u015fkili \u015firketler aras\u0131nda ger\u00e7eklemesi halinde izne tabi olmayaca\u011f\u0131 d\u00fczenlenmi\u015ftir. Bununla birlikte, b\u00f6yle bir pay devrinin de TCMB\u2019ye bildirilmesi ve denetimi engellemeyecek \u015feffaf ve a\u00e7\u0131k bir ortakl\u0131k yap\u0131s\u0131na sahip olma \u015fart\u0131na halel getirilmemesi gerekmektedir.<\/p><p><strong>6. Y\u00fcr\u00fcrl\u00fck H\u00fck\u00fcmleri<\/strong><\/p><p>Y\u00f6netmelik, nezdinde \u00f6deme hesab\u0131 bulundurup 2020 y\u0131l\u0131 i\u00e7erisinde ger\u00e7ekle\u015ftirdi\u011fi i\u015flem hacmi bak\u0131m\u0131ndan ilk on kat\u0131l\u0131mc\u0131 aras\u0131nda yer alan \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131n\u0131n 30.09.2023 tarihine kadar, di\u011fer kurulu\u015flar\u0131n da 30.09.2024\u2019e kadar Y\u00f6netmelik m. 59\/5\u2019te \u00f6ng\u00f6r\u00fclen y\u00fck\u00fcml\u00fcl\u00fckleri yerine getirmesini h\u00fck\u00fcm alt\u0131na alm\u0131\u015ft\u0131. De\u011fi\u015fiklik Y\u00f6netmeli\u011fi ile yap\u0131lan ekleme uyar\u0131nca, \u00f6deme emri ba\u015flatma hizmeti ve bir veya daha fazla \u00f6deme hesab\u0131na ili\u015fkin konsolide edilmi\u015f bilgileri sunma hizmetine elveri\u015fli olacak \u015fekilde do\u011frudan \u00e7evrimi\u00e7i eri\u015fim imk\u00e2n\u0131 sa\u011flamayan \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131, Y\u00f6netmelik m. 59\/5\u2019te say\u0131lan y\u00fck\u00fcml\u00fcl\u00fckleri 31.12.2025\u2019e kadar yerine getirmekle y\u00fck\u00fcml\u00fc k\u0131l\u0131nm\u0131\u015ft\u0131r.<\/p><p>\u00d6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131n\u0131n \u00f6deme emri ba\u015flatma hizmeti ve bir veya daha fazla \u00f6deme hesab\u0131na ili\u015fkin konsolide edilmi\u015f bilgileri sunma hizmetini sunmak i\u00e7in faaliyet izni ba\u015fvurusunda bulunmu\u015f olup ba\u015fvuru s\u00fcreci devam eden kurulu\u015flara ve bu faaliyetler i\u00e7in halihaz\u0131rda izin alm\u0131\u015f kurulu\u015flara Y\u00f6netmelik m. 59\/1 kapsam\u0131nda Bankalararas\u0131 Kart Merkezi taraf\u0131ndan tespit edilen standartlar\u0131 hen\u00fcz sa\u011flamadan veri payla\u015f\u0131m servisleri ile ilgili sundu\u011fu hizmetleri y\u00fcr\u00fct\u00fcyor olmas\u0131 30.06.2024 tarihine kadar Y\u00f6netmelik\u2019e ayk\u0131r\u0131l\u0131k olarak de\u011ferlendirilmeyecektir.<\/p><p>Y\u00f6netmelik, m. 59\/1 kapsam\u0131nda Bankalararas\u0131 Kart Merkezi taraf\u0131ndan tespit edilen standartlar\u0131 sa\u011flamadan veri payla\u015f\u0131m servisleri ile ilgili hizmet sunulmas\u0131n\u0131 30.09.2023\u2019e kadar m\u00fcmk\u00fcn k\u0131lmaktayd\u0131. De\u011fi\u015fiklik Y\u00f6netmeli\u011fi ile \u00f6ng\u00f6r\u00fclen istisna uyar\u0131nca bankalar ile \u00f6deme emri ba\u015flatma hizmetini sunmaya yetkili kurulu\u015flar ve bir veya daha fazla \u00f6deme hesab\u0131na ili\u015fkin konsolide edilmi\u015f bilgileri sunma hizmetini sunmaya yetkili kurulu\u015flar, 2020 y\u0131l\u0131 i\u00e7erisinde ger\u00e7ekle\u015ftirdi\u011fi i\u015flem hacmi bak\u0131m\u0131ndan ilk on kat\u0131l\u0131mc\u0131 aras\u0131nda yer almayan \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131 nezdinde bulunan \u00f6deme hesaplar\u0131 ile ilgili olarak sunaca\u011f\u0131 veri payla\u015f\u0131m servisleri ile ilgili hizmetlerini gerekli standartlar\u0131 sa\u011flamadan 30.06.2024 tarihine kadar sunabilecektir.<\/p><p>Nihayet, dijital c\u00fczdana ili\u015fkin h\u00fckm\u00fcn y\u00fcr\u00fcrl\u00fck tarihi olan 07.10.2023 tarihinden \u00f6nce dijital c\u00fczdan hizmeti sunmakta olup \u00f6deme kurulu\u015fu veya elektronik para kurulu\u015fu kategorisine dahil edilebilecek olan, ancak faaliyet izni bulunmayan ki\u015filer; y\u00fcr\u00fcrl\u00fck tarihinden itibaren bir y\u0131l i\u00e7inde TCMB\u2019ye ba\u015fvurarak gerekli izinleri almakla y\u00fck\u00fcml\u00fc k\u0131l\u0131nm\u0131\u015ft\u0131r. \u00d6deme kurulu\u015flar\u0131 ve elektronik para kurulu\u015flar\u0131ndan dijital c\u00fczdan hizmetini sunanlar ise y\u00fcr\u00fcrl\u00fck tarihinden itibaren bir y\u0131l i\u00e7inde Y\u00f6netmelik m. 4\/A h\u00fckm\u00fcne uygunlu\u011funu sa\u011flayacakt\u0131r.<\/p><p>Herhangi bir sorunuz olmas\u0131 halinde bize ula\u015fabilirsiniz.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4fe75500 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4fe75500\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3dd48092\" data-id=\"3dd48092\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26fa9928 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26fa9928\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c5b4038\" data-id=\"c5b4038\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3f767c48 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3f767c48\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-368fb3c6\" data-id=\"368fb3c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-147a07b8 elementor-widget elementor-widget-text-editor\" data-id=\"147a07b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #781619;\"><b>Ya\u015far Law Office<\/b><\/span><\/p><p><span style=\"color: #781619;\">Bize Ula\u015f\u0131n:<\/span><\/p><p><span style=\"color: #781619;\">Karanfil Sokak, No: 13<\/span><\/p><p><span style=\"color: #781619;\">Levent, Be\u015fikta\u015f, \u0130stanbul<\/span><\/p><p><span style=\"color: #781619;\"><a style=\"color: #781619;\" title=\"+90 212 401 4240\" href=\"tel:+902124014240\">+90 212 401 4240<\/a><\/span><\/p><p><span style=\"color: #781619;\"><a style=\"color: #781619;\" title=\"info@yasarlaw.com\" href=\"mailto:info@yasarlaw.com\">info@yasarlaw.com<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d5f5c elementor-widget elementor-widget-text-editor\" data-id=\"18d5f5c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: rgb(120, 22, 25); font-style: inherit; font-weight: inherit; letter-spacing: 0.01em;\">Bize Ula\u015f\u0131n:<\/span><br><\/p>\n<p><span style=\"color: #781619;\">859. Sokak, No: 4\/303<\/span><\/p>\n<p><font color=\"#781619\">Cumhuriyet Bulvar\u0131, Konak, \u0130zmir<\/font><\/p>\n<p><span style=\"color: #781619;\"><a style=\"color: #781619;\" title=\"+90 212 401 4240\" href=\"tel:+902124014240\">+90 212 401 4240<\/a><\/span><\/p>\n<p><span style=\"color: #781619;\"><a style=\"color: #781619;\" title=\"info@yasarlaw.com\" href=\"mailto:info@yasarlaw.com\">info@yasarlaw.com<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4290edba\" data-id=\"4290edba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b2d60b0 elementor-widget elementor-widget-google_maps\" data-id=\"5b2d60b0\" data-element_type=\"widget\" data-widget_type=\"google_maps.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed\">\n\t\t\t<iframe loading=\"lazy\"\n\t\t\t\t\tsrc=\"https:\/\/maps.google.com\/maps?q=Karanfil%20Soka%C4%9F%C4%B1%20No%3A13%2C%20Levent%2C%2034330%20Be%C5%9Fikta%C5%9F%2F%C4%B0stanbul&#038;t=m&#038;z=15&#038;output=embed&#038;iwloc=near\"\n\t\t\t\t\ttitle=\"Karanfil Soka\u011f\u0131 No:13, Levent, 34330 Be\u015fikta\u015f\/\u0130stanbul\"\n\t\t\t\t\taria-label=\"Karanfil Soka\u011f\u0131 No:13, Levent, 34330 Be\u015fikta\u015f\/\u0130stanbul\"\n\t\t\t><\/iframe>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00d6deme Sistemleri Mevzuat\u0131ndaki Geli\u015fmeler 07.10.2023 tarihli, 32332 say\u0131l\u0131 Resm\u00ee Gazete\u2019de T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (\u201cTCMB\u201d) taraf\u0131ndan yay\u0131mlanan \u00d6deme Hizmetleri ve Elektronik Para \u0130hrac\u0131 ile \u00d6deme Hizmeti Sa\u011flay\u0131c\u0131lar\u0131 Hakk\u0131nda Y\u00f6netmelikte (\u201cY\u00f6netmelik\u201d) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Y\u00f6netmelik (\u201cDe\u011fi\u015fiklik Y\u00f6netmeli\u011fi\u201d) ve \u00d6deme ve Elektronik Para Kurulu\u015flar\u0131n\u0131n Bilgi Sistemleri ile \u00d6deme Hizmeti Sa\u011flay\u0131c\u0131lar\u0131n\u0131n \u00d6deme Hizmetleri Alan\u0131ndaki Veri Payla\u015f\u0131m\u0131 Servislerine \u0130li\u015fkin [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1032,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"zakra_page_container_layout":"customizer","zakra_page_sidebar_layout":"customizer","zakra_remove_content_margin":false,"zakra_sidebar":"customizer","zakra_transparent_header":"customizer","zakra_logo":0,"zakra_main_header_style":"default","zakra_menu_item_color":null,"zakra_menu_item_hover_color":null,"zakra_menu_item_active_color":null,"zakra_menu_active_style":"","zakra_page_header":true,"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-2142","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/pages\/2142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/comments?post=2142"}],"version-history":[{"count":19,"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/pages\/2142\/revisions"}],"predecessor-version":[{"id":2836,"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/pages\/2142\/revisions\/2836"}],"up":[{"embeddable":true,"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/pages\/1032"}],"wp:attachment":[{"href":"https:\/\/yasarlaw.com\/tr\/wp-json\/wp\/v2\/media?parent=2142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}