BKM – Bankalararası Kart Merkezi (The Interbank Card Center of Turkey) was established for the purpose of providing solutions and developing the rules and standards of credit and debit cards in Turkey. BKM partnered with Commencis on successfully building BKM Express, the first national Digital and Mobile Wallet platform in Turkey.

BKM Express is a payment system that enables a fast, easy and joyful online shopping experience for its users, allowing them to transfer money and purchase products through their phones. Integrated with 15 banks, BKM Express enables its users to shop easily without typing their card information or carrying their card with. Users are able to complete their shopping safely with the password they create, without sharing any card information online.

+250.000 membersin 2 years

Supported by 15 banksand +400 merchants

Winner of 2 MPE Awards"Best Payment Channel 2013""Emerging Payment Award 2014"

Our Work




UX & UIDesign





Our wallet project involves the following flows:

  • User enrollment
  • Debit/credit card virtualisation
  • eCommerce and mCommerce payments with virtual POSs of both merchants and wallet provider
  • Payments with/without 3D Secure
  • P2P transfers using debit/credit cards
  • Personal information / profile management through mobile and web interfaces
  • Redundant data centre with encrypted storage
  • Single sign-on across web sites with OpenID support

Sign-up & Add Your Cards

Users can easily open an online BKM Express account with their email addresses and a password. After the registration, users can add their bank and credit card details by entering their card information and confirmation code that is sent to their registered mobile phone number.

Shop Easily Online

Paying through BKM Express is safe and smooth for both users and ecommerce sites. As soon as a user chooses to “Pay with BKM Express” on the payment page of an e-commerce site, the payment transaction can be completed on the application. So simple!