Payment Options

For online shopping payments via credit cards, your credit card details (card number, security code, and the expiration date) should be complete and accurate; you must use a Visa or MasterCard credit card or virtual credit card; your card limit must be available; the card must be available for online purchases; and it must be authorized in 3D Secure system. If these requirements are met and if no internet connection problems arise at the time of the payment, the process goes through smoothly. If you continue to have problems, please contact your bank.

For online shopping payments via BKM Express, your user name and password should be complete and accurate; your credit cards or virtual cards must be defined to BKM Express; your card limit must be available; the card must be available for online purchases; and it must be authorized in 3D Secure system. If these requirements are met and if no internet connection problems arise at the time of the payment, the process goes through smoothly. If you continue to have problems, please contact your bank and/or BKM Express.

3D Secure is an identity confirmation system developed by Visa and MasterCard to ensure security when shopping online. It is also known as using a pin code to confirm the card for online purchases. 

Payments for online shopping at IKEA are processed on the virtual POS payment page encrypted with a RapidSSL 128-bit certificate. The www.IKEA.com.tr site will redirect you to the page for secure payments. This system ensures that the credit card details are entered only on the bank’s virtual POS screen. This constitutes the final step of your shopping process, and takes you to the bank’s 3D Security Page after you have entered your credit card details. Once you enter the pass code on the bank’s 3D page which is sent to your mobile phone, the transaction will be confirmed. If you do not have a 3D Secure password, you can get one in just a few minutes by following the instructions provided.

Payments for online shopping with credit cards at IKEA are processed on the virtual POS payment page encrypted with a RapidSSL 128-bit certificate. The www.IKEA.com.tr site will redirect you to the page for secure payments. This system ensures that the credit card details are entered only on the bank’s virtual POS screen. This constitutes the final step of your shopping process, and takes you to the bank’s 3D Security Page after you have entered your credit card details. Once you enter the pass on the bank’s 3D page which is sent to your mobile phone, the transaction will be confirmed. If you do not have a 3D Secure password, you can get one in just a few minutes by following the instructions provided.

If you choose to pay with BKM Express for online shopping, you will be forwarded to www.bkmexpress.com.tr. You need to log in with the same user name and password which you created for your BKM Express account. You can easily check out by choosing your credit card and payment type on the payment page. Payments with BKM Express are completed with 3D Secure PIN as for all credit cards.

For online shopping QNB Finansbank* and İş Bankası** credit cards provide interest-free 3 installments for your furniture and home accessories purchases up to TRY 150, and interest-free 12 installments for your purchases at or above TRY 150.

Akbank***, Bonus****/Garanti Miles&Smiles and Paraf***** credit cards provide interest-free 3 installments for your furniture and home accessories purchases up to TRY 150 and interest-free 6 installments for your purchases at or above TRY 150.

Payments using credit cards issued by banks which are not covered in the campaign will be processed as single payment.

For all personal and business credit cards issued by QNB Finansbank. 
** For all İş Bankası Maximum Cards, Maximiles MercedesCard, Business Credit Cards and Ziraat Bank credit cards which are  included in the programme.
*** For all Axess, Wings, Free and Bank’o Card Axess cards. 
**** For Bonus and Miles & Smiles credit cards. This campaign does not cover Bonus Flexi, Bonus Genç, and American Express business credit cards.
***** For all Paraf, Parafly, Virtual, Business and Joint Cards.

Visa, Mastercard credit cards, Debit cards, Masterpass and virtual cards with full 3D or BKM Express can be used at online purchases. Corporate credit cards are not accepted for online shopping.  


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