Sinek, SedaŞaykol, Ediz2021-04-092021-04-092020BUJSE 13/2 (2020), 15-20 DOI: 10.20854/bujse.8730281307-3818In this study, the factors affecting the present and future of payment systems in Turkey together with the technical payment systems are analyzed, and the supported payment systems in Turkey are examined by a survey from the users’ perspectives. While the widespread use of smart devices, rapid developments in technology, globalization, improvements in financial areas, the development of commercial and financial activities have led to an increase in domestic and international payment transactions. Consequently, the shopping habits change among many subjects. People’s efforts to access information with the fastest, the most practical and the safest are seen as the main reasons for the change of today’s world. Merchandising habits also started to show parallel development and change to the internet. The fact that e-commerce can be used with all banks thanks to virtual POSs has further strengthened the link between international e-commerce companies and users. Thus, payment systems became more widespread. The use of payment systems, payment options offered to customers on online shopping sites, campaigns, installments and postponement opportunities has become widespread with the support of credit card security. The need for payment systems has increased due to the fact that people go to a store in their daily routines and see shopping as a waste of time, and nowadays shopping and buy and sell are so easy in online environments. Thus, various payment systems have been initiated. The main purpose of this study is to evaluate the payment systems infrastructure in Turkey from two different users’ perspectives. The data gathered via questionnaires in terms of end users who have completed their orders in any e-commerce site using direct payment systems, and the developers who have programming practive on e-commerce sites having integrated payment systems. The statistical results are discussed with analytical evaluations.enArticle