For companies · Per transaction

A non-standard payment the bank can verify — structure, contracts and file under one manager

Some payments do not fit a standard invoice-and-transfer: a third party pays, a claim is assigned, an agent stands between buyer and seller, goods never enter Türkiye, or the purpose is unusual. We design the structure, prepare the contract chain and the file the bank expects, agree it with the bank before money moves and stay with the payment until it is credited.

FormatPer transaction or per series, one managerYou getStructure, contract chain, bank file, credited paymentStartStructure memo within a few business daysFeefrom 0.5% of the amount, by agreement

Exact fee is fixed in the contract after a short clarification of the task.

Describe the payment WhatsApp

Who this is for

A company whose payment the bank returned or froze

The transfer came back or is on hold because the purpose, the payer or the documents did not match what the bank expected, and you need it to pass the second time.

A trader with a third party in the chain

The payer is not the buyer, the recipient is not the seller, or the goods move between two other countries. The bank wants every link explained and documented.

A group settling debts across entities and countries

A receivable has to be assigned, set off or collected through another company, and each step must be valid under the contract law and clear to every bank involved.

What you have at the end

You have a payment that is credited, and a file that explains it: a short structure memo, the signed contract chain (sale, agency, assignment or set-off agreement, as the case requires), invoices and transport or customs documents where they exist, a cover letter in Turkish for the bank, the bank’s confirmation and a closed record for your accountant. If the same structure repeats, you have templates and a checklist for the next payments.

What is included

Review of the task: parties, countries, currencies, goods or services, what the bank already asked
Structure memo: which contracts are needed, who pays whom, what each bank will see
Contract chain drafted with your lawyer: sale, agency, assignment of claim, set-off, addenda
Wording of the payment purpose and the documents that support it
Bank file: cover letter in Turkish, contracts, invoices, transport or customs documents, ownership data
Pre-clearance with the bank before the transfer is sent or received
Counterparty check before signing: registry, sanctions lists, bank details
Follow-up until the payment is credited, with written answers to every bank query
Closing file for your SMMM: what was paid, on which basis, with which documents

How the work runs

1

Day 1 · Task and documents

You describe the payment, the parties and what has already happened. We collect the existing contracts, invoices and bank letters and tell you whether the task can be structured and what it requires.

2

Days 2–4 · Structure memo

You receive a short memo: the proposed chain, the contracts to sign, the wording of the purpose, the documents for each bank and the points your lawyer and accountant must confirm.

3

Contracts and file

The contracts are drafted and signed, translations and apostilles are arranged where needed, and the bank file is assembled with a cover letter in Turkish.

4

Pre-clearance and transfer

The file goes to the bank before the money moves. We answer the compliance questions in writing, and the transfer is sent or released once the bank confirms.

5

Closing

You receive the bank confirmation, the closed file for your accountant and, for repeating structures, templates for the next payments.

How it is structured

Executes the transfer and decides whether to credit, hold or return it	The banks of the parties and their compliance units
Legal opinion on the contracts and on sanctions and foreign-exchange rules	Your lawyer
Bookkeeping, VAT and withholding treatment of the structure	Your SMMM or YMM
Customs declarations, where goods are involved	Your licensed customs broker
Sign the contracts and remain responsible for their commercial substance	You and your counterparties
Designs the structure, prepares the file, agrees it with the bank and follows the payment to the end	ROSTU

What stays outside the package

Structures meant to conceal the real payer, the beneficiary or the origin of funds — we do not build them
The bank’s decision — we prepare, present and follow up; the bank decides
Legal and tax advice — given by your lawyer and SMMM, whom we work with
Bank fees, state fees, notary and translation tariffs — paid by you directly

Questions

What counts as a complex payment?

A payment that does not fit one invoice and one transfer between the same two parties: a third party pays, a claim is assigned, an agent or a transit seller stands in the chain, debts are set off, or the purpose is unusual for the bank. The bank asks for the commercial basis and the documents behind every link.

How is the fee set?

By agreement, from 0.5% of the payment amount. It depends on the number of parties and banks, the documents that have to be created and the urgency. The fee is fixed in the contract before work starts; bank fees and state tariffs are separate and paid by you.

Can you promise that the bank will pass the payment?

No one can: the decision belongs to the bank. What we do is remove the usual reasons for a refusal — an unclear purpose, a missing link in the contract chain, documents that contradict each other — and agree the file with the bank before the money moves.

Do you work with any payment?

No. The payment must have a real commercial basis that can be shown to the bank, and the parties must pass a sanctions and registry check. If the purpose of a structure is to hide who pays, who receives or where the funds come from, we decline.

Describe the payment

Who pays whom, for what, in which currency and amount, and what the bank has already said. A manager replies within one business hour with the next step.

A manager replies within one business hour, Mon–Fri 09:00–18:00 İstanbul
One manager from the first message to the result
Your details are used only to answer this request (KVKK)