According to Mastercard Report, Contribution of Digital Payments to Tax Revenues Reached 574 Billion TL

According to a report prepared by Mastercard, the contribution of digital payments to tax revenues in Turkey reached 574 billion TL in 2025, accounting for approximately 5 percent of total tax revenues.

Turkey's Payment Ecosystem

Turkey hosts a large payment ecosystem with 142 million credit cards and 319 million debit cards, including prepaid cards.

According to data from the European Central Bank as of the end of June 2025, Turkey surpassed Spain in terms of the number of credit cards, becoming Europe's largest market.

Economic Impact Areas

In the report prepared by Mastercard Turkey Consulting Services, the economic impact of digital payments is examined under three main headings: increased tax revenues due to the reduction of the informal economy, household consumption, and tourism revenues.

The study also emphasizes that the digital payment penetration level of 69 percent carries additional potential as it approaches the 95 percent level seen in mature markets.

Support for Household Consumption

Digital payments supported household consumption, creating an impact of approximately 1.5 trillion TL in 2025.

On a sectoral basis, the highest contribution was seen in travel with 546 billion TL, while the restaurant sector ranked second with 427 billion TL.

Costs of Cash Usage

The report also detailed the costs of cash usage on the public sector, banks, companies, and consumers.

Accordingly, in 2025, the direct cost of banknote printing to the CBT was 4.4 billion TL, while the cost of cash circulation for banks exceeded 65 billion TL.