G\u00fcvenli \u00d6deme Sistemi, ikinci el ara\u00e7 sat\u0131\u015flar\u0131nda al\u0131c\u0131 ile sat\u0131c\u0131 aras\u0131nda ger\u00e7ekle\u015fen para transferinin noter onay\u0131yla elektronik ortamda g\u00fcvenli bir \u015fekilde yap\u0131lmas\u0131n\u0131 sa\u011flayan sistemdir. Bu sistem sayesinde sat\u0131\u015f bedeli do\u011frudan sat\u0131c\u0131n\u0131n hesab\u0131na aktar\u0131lmaz ve \u00f6nce T\u00fcrkiye Noterler Birli\u011fi\u2019nin g\u00fcvenli havuz hesab\u0131nda bekletilir. Noter i\u015flemi tamamlan\u0131p sat\u0131\u015f onayland\u0131\u011f\u0131nda da para otomatik olarak sat\u0131c\u0131n\u0131n hesab\u0131na aktar\u0131l\u0131r.<\/p>\n\n\n\n
Bu y\u00f6ntem hem al\u0131c\u0131 hem de sat\u0131c\u0131 i\u00e7in g\u00fcvence sa\u011flar. G\u00fcvenli \u00d6deme Sistemi sayesinde al\u0131c\u0131, sat\u0131\u015f tamamlanmadan paras\u0131n\u0131n sat\u0131c\u0131ya ge\u00e7meyece\u011finden emin olur. Sat\u0131c\u0131 ise sat\u0131\u015f onayland\u0131\u011f\u0131nda paran\u0131n g\u00fcvenli \u015fekilde hesab\u0131na ge\u00e7ece\u011fini bilir. B\u00f6ylece noter i\u015flemleriyle entegre \u00e7al\u0131\u015fan bu sistem, elden para al\u0131\u015fveri\u015fine gerek kalmadan tamamen dijital ve kay\u0131tl\u0131 bir \u00f6deme s\u00fcreci sunar.<\/p>\n\n\n\n
Noterde G\u00fcvenli \u00d6deme Sistemi Zorunlu mu?<\/strong><\/h2>\n\n\n\nBu konuyla ilgili merak edilen konulardan biri de bu sistemin zorunlu olup olmad\u0131\u011f\u0131d\u0131r. 2020 y\u0131l\u0131nda hayat\u0131m\u0131za giren G\u00fcvenli \u00d6deme Sistemi, ilk \u00e7\u0131kt\u0131\u011f\u0131 zamanlarda zorunlu olmasa da sonras\u0131nda Ticaret Bakanl\u0131\u011f\u0131 taraf\u0131ndan zorunlu hale getirildi. B\u00f6ylece 27 Eyl\u00fcl 2024 Cuma g\u00fcn\u00fcnden itibaren nakit, havale veya EFT gibi y\u00f6ntemlerle ger\u00e7ekle\u015ftirilen t\u00fcm ikinci el motorlu kara ta\u015f\u0131t\u0131 al\u0131m sat\u0131mlar\u0131nda zorunlu oldu. <\/p>\n\n\n\n
Noterde G\u00fcvenli \u00d6deme Sistemi Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n![\"Noterde](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/12\/noterde-guvenli-odeme-sistemi-nasil-yapilir.jpg\")
<\/figure>\n\n\n\nG\u00fcvenli \u00d6deme Sistemi\u2019ni kullanmak i\u00e7in noter sat\u0131\u015f i\u015flemine ge\u00e7meden \u00f6nce hem sat\u0131c\u0131n\u0131n hem de al\u0131c\u0131n\u0131n sisteme kay\u0131t yapt\u0131rmas\u0131 gerekir. Bu s\u00fcre\u00e7 T\u00fcrkiye Noterler Birli\u011fi\u2019nin G\u00fcvenli \u00d6deme Sistemi\u2019ne entegre arac\u0131 kurulu\u015flar \u00fczerinden y\u00fcr\u00fct\u00fcl\u00fcr. T\u00fcm arac\u0131 kurulu\u015flar, T\u00fcrkiye Noterler Birli\u011fi\u2019nin G\u00fcvenli \u00d6deme Sistemi sayfas\u0131ndan<\/a> kontrol edilebilir.<\/p>\n\n\n\n\u201cPeki, bu i\u015flem nas\u0131l yap\u0131l\u0131r?\u201d diyorsan\u0131z G\u00fcvenli \u00d6deme Sistemi i\u00e7in \u015fu ad\u0131mlar\u0131 izlemeniz gerek: <\/p>\n\n\n\n
\n- Sat\u0131c\u0131, \u00f6ncelikle T\u00fcrkiye Noterler Birli\u011fi\u2019nin sistemine entegre arac\u0131 kurulu\u015flardan birini se\u00e7er ve ilgili kurulu\u015fun web sitesi, mobil uygulamas\u0131 veya \u015fubesi \u00fczerinden G\u00fcvenli \u00d6deme hizmetine kay\u0131t olur.<\/li>\n<\/ul>\n\n\n\n
\n- Sat\u0131c\u0131, sistemde istenilen bilgileri ve al\u0131c\u0131n\u0131n cep telefonu numaras\u0131n\u0131 girerek i\u015flem ba\u015flat\u0131r.<\/li>\n\n\n\n
- Ard\u0131ndan sistem, al\u0131c\u0131n\u0131n telefonuna otomatik bir referans numaras\u0131 g\u00f6nderir.<\/li>\n\n\n\n
- Al\u0131c\u0131, kendisine gelen bu referans numaras\u0131 ile ayn\u0131 arac\u0131 kurulu\u015fun uygulamas\u0131na girerek G\u00fcvenli \u00d6deme Sistemi \u00fczerinden i\u015flemini tamamlar.<\/li>\n\n\n\n
- Al\u0131c\u0131, sat\u0131c\u0131n\u0131n belirledi\u011fi tutar\u0131 sisteme yat\u0131r\u0131r. Bu tutar, sat\u0131\u015f i\u015flemi ger\u00e7ekle\u015fene kadar g\u00fcvenli hesapta bloke olarak tutulur.<\/li>\n\n\n\n
- Noter huzurunda sat\u0131\u015f tamamland\u0131\u011f\u0131nda sistem otomatik olarak blokeyi kald\u0131r\u0131r ve tutar, sat\u0131c\u0131n\u0131n hesab\u0131na aktar\u0131l\u0131r.<\/li>\n\n\n\n
- E\u011fer sat\u0131c\u0131 taraf\u0131ndan sisteme girilen tutar, al\u0131c\u0131 taraf\u0131ndan hesaba yat\u0131r\u0131lmam\u0131\u015fsa sistem noterde sat\u0131\u015f i\u015fleminin yap\u0131lmas\u0131na izin vermez.<\/li>\n<\/ul>\n\n\n\n
Noterde G\u00fcvenli \u00d6deme \u0130\u00e7in Ayn\u0131 Banka Olmas\u0131 Gerekli mi?<\/strong><\/h2>\n\n\n\nBu \u00f6deme sisteminin \u00e7al\u0131\u015fma prensibinden de anla\u015f\u0131ld\u0131\u011f\u0131 gibi G\u00fcvenli \u00d6deme Sistemi\u2019nde noterde sat\u0131\u015f i\u015flemine ba\u015flamadan \u00f6nce hem al\u0131c\u0131n\u0131n hem de sat\u0131c\u0131n\u0131n T\u00fcrkiye Noterler Birli\u011fi\u2019nin sistemine entegre arac\u0131 kurulu\u015flardan birini se\u00e7erek kaydolmas\u0131 gerekir.<\/p>\n\n\n\n
Bu i\u015flemde dikkat edilmesi gereken \u00f6nemli bir detay bulunur. Bu detay ise al\u0131c\u0131 ve sat\u0131c\u0131n\u0131n mutlaka ayn\u0131 arac\u0131 kurulu\u015f \u00fczerinden i\u015flem yapmas\u0131d\u0131r. Yani taraflardan biri farkl\u0131 bir bankan\u0131n veya \u00f6deme kurulu\u015funun web, mobil ya da \u015fube kanal\u0131 \u00fczerinden G\u00fcvenli \u00d6deme Sistemi\u2019ni kullan\u0131yorsa i\u015flem ger\u00e7ekle\u015ftirilemez. Sistemin do\u011fru \u015fekilde \u00e7al\u0131\u015fmas\u0131 i\u00e7in \u00f6nce sat\u0131c\u0131n\u0131n se\u00e7ti\u011fi arac\u0131 kurulu\u015fta i\u015flem ba\u015flatmas\u0131 ve ard\u0131ndan al\u0131c\u0131n\u0131n ayn\u0131 arac\u0131 kurulu\u015f \u00fczerinden s\u00fcreci tamamlamas\u0131 gerekir.<\/p>\n\n\n\n
Ancak burada kar\u0131\u015ft\u0131r\u0131lmamas\u0131 gereken bir nokta mevcut. Al\u0131c\u0131 ve sat\u0131c\u0131n\u0131n ayn\u0131 arac\u0131 kurulu\u015fta hesap sahibi olma zorunlulu\u011fu her zaman aranmaz. \u00c7\u00fcnk\u00fc bu durum, arac\u0131 kurulu\u015fun kendi uygulama politikalar\u0131na ba\u011fl\u0131d\u0131r. Bunun i\u00e7in taraflar\u0131n bu konuda net bilgi alabilmesi ad\u0131na se\u00e7tikleri arac\u0131 kurulu\u015fun \u00e7a\u011fr\u0131 merkeziyle ileti\u015fime ge\u00e7meleri \u00f6nerilir.<\/p>\n\n\n\n
Noterde G\u00fcvenli \u00d6deme Sistemi \u00dccreti Ne Kadar?<\/strong><\/h2>\n\n\n\nG\u00fcvenli \u00d6deme Sistemi\u2019nin kullan\u0131m\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda Ticaret Bakanl\u0131\u011f\u0131 taraf\u0131ndan belirlenen sabit bir hizmet bedeli tahsil edilir. Bu \u00fccret, her y\u0131l g\u00fcncellenir ve sat\u0131\u015f i\u015flemi s\u0131ras\u0131nda al\u0131c\u0131 taraf\u0131ndan \u00f6denir.<\/p>\n\n\n\n
Ara\u00e7 sat\u0131\u015f bedeli g\u00f6nderilirken bu kullan\u0131m \u00fccretinin de toplam tutara ayr\u0131ca eklenmesi gerekir. Aksi halde sistem, bu \u00fccreti sat\u0131\u015f tutar\u0131n\u0131n i\u00e7inden keser. Yani sat\u0131\u015f bedelinin 500.000 TL oldu\u011fu bir i\u015flemde al\u0131c\u0131n\u0131n 2025 y\u0131l\u0131 i\u00e7in belirlenen G\u00fcvenli \u00d6deme Sistemi kullan\u0131m \u00fccreti olan 194,31 TL\u2019yi de tutara eklemesi gerekir. Yani g\u00fcvenli \u00f6deme \u00fczerinden g\u00f6nderilecek toplam tutar 500.194,31 TL olmal\u0131d\u0131r.<\/p>\n\n\n\n
E\u011fer al\u0131c\u0131 bu eklemeyi yapmazsa 194,31 TL\u2019lik hizmet bedeli 500.000 TL i\u00e7erisinden otomatik olarak d\u00fc\u015f\u00fcl\u00fcr ve sat\u0131c\u0131n\u0131n hesab\u0131na kalan tutar aktar\u0131l\u0131r.<\/p>\n\n\n\n
\u0130kinci El Ara\u00e7 Sat\u0131\u015f\u0131nda Zorunlu Trafik Sigortas\u0131 Yapt\u0131rmak \u015eart m\u0131?<\/strong><\/h2>\n\n\n\n![\"\u0130kinci](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/12\/ikinci-el-arac-satisinda-trafik-sigortasi-zorunlu-mu.jpg\")
<\/figure>\n\n\n\nG\u00fcvenli \u00d6deme Sistemi\u2019nin yan\u0131 ara\u00e7 al\u0131m sat\u0131m\u0131nda dikkat edilmesi gereken bir di\u011fer konu ise Zorunlu Trafik Sigortas\u0131d\u0131r. \u00c7\u00fcnk\u00fc 5 Aral\u0131k 2024 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren yeni d\u00fczenleme ile ikinci el ara\u00e7 alacak ki\u015finin noter sat\u0131\u015f i\u015fleminden \u00f6nce trafik sigortas\u0131 yapt\u0131rmas\u0131 zorunludur. Bu nedenle de al\u0131m-sat\u0131m i\u015flemi i\u00e7in arac\u0131n yeni sahibi ad\u0131na yeniden d\u00fczenlenmi\u015f bir sigorta poli\u00e7esi ibraz edilmelidir. <\/p>\n\n\n\n
\u201cPeki, Zorunlu Trafik Sigortas\u0131\u2019n\u0131 nas\u0131l yapt\u0131raca\u011f\u0131m?\u201d diyorsan\u0131z da MAPFRE Sigorta olarak her zaman yan\u0131n\u0131zday\u0131z. MAPFRE Sigorta\u2019dan Zorunlu Trafik Sigortas\u0131<\/a> yapt\u0131rarak hem ara\u00e7 al\u0131m i\u015flemlerinizi tamamlayabilir hem de ara\u00e7 sahiplerinin yasal zorunlulu\u011funu yerine getirebilirsiniz. Detayl\u0131 bilgi almak i\u00e7in sat\u0131\u015f kanallar\u0131m\u0131zla<\/a> ileti\u015fimize ge\u00e7ebilirsiniz.\u00a0<\/p>\n\n\n\n
<\/figure>\n\n\n\nG\u00fcvenli \u00d6deme Sistemi\u2019ni kullanmak i\u00e7in noter sat\u0131\u015f i\u015flemine ge\u00e7meden \u00f6nce hem sat\u0131c\u0131n\u0131n hem de al\u0131c\u0131n\u0131n sisteme kay\u0131t yapt\u0131rmas\u0131 gerekir. Bu s\u00fcre\u00e7 T\u00fcrkiye Noterler Birli\u011fi\u2019nin G\u00fcvenli \u00d6deme Sistemi\u2019ne entegre arac\u0131 kurulu\u015flar \u00fczerinden y\u00fcr\u00fct\u00fcl\u00fcr. T\u00fcm arac\u0131 kurulu\u015flar, T\u00fcrkiye Noterler Birli\u011fi\u2019nin G\u00fcvenli \u00d6deme Sistemi sayfas\u0131ndan<\/a> kontrol edilebilir.<\/p>\n\n\n\n \u201cPeki, bu i\u015flem nas\u0131l yap\u0131l\u0131r?\u201d diyorsan\u0131z G\u00fcvenli \u00d6deme Sistemi i\u00e7in \u015fu ad\u0131mlar\u0131 izlemeniz gerek: <\/p>\n\n\n\n Bu \u00f6deme sisteminin \u00e7al\u0131\u015fma prensibinden de anla\u015f\u0131ld\u0131\u011f\u0131 gibi G\u00fcvenli \u00d6deme Sistemi\u2019nde noterde sat\u0131\u015f i\u015flemine ba\u015flamadan \u00f6nce hem al\u0131c\u0131n\u0131n hem de sat\u0131c\u0131n\u0131n T\u00fcrkiye Noterler Birli\u011fi\u2019nin sistemine entegre arac\u0131 kurulu\u015flardan birini se\u00e7erek kaydolmas\u0131 gerekir.<\/p>\n\n\n\n Bu i\u015flemde dikkat edilmesi gereken \u00f6nemli bir detay bulunur. Bu detay ise al\u0131c\u0131 ve sat\u0131c\u0131n\u0131n mutlaka ayn\u0131 arac\u0131 kurulu\u015f \u00fczerinden i\u015flem yapmas\u0131d\u0131r. Yani taraflardan biri farkl\u0131 bir bankan\u0131n veya \u00f6deme kurulu\u015funun web, mobil ya da \u015fube kanal\u0131 \u00fczerinden G\u00fcvenli \u00d6deme Sistemi\u2019ni kullan\u0131yorsa i\u015flem ger\u00e7ekle\u015ftirilemez. Sistemin do\u011fru \u015fekilde \u00e7al\u0131\u015fmas\u0131 i\u00e7in \u00f6nce sat\u0131c\u0131n\u0131n se\u00e7ti\u011fi arac\u0131 kurulu\u015fta i\u015flem ba\u015flatmas\u0131 ve ard\u0131ndan al\u0131c\u0131n\u0131n ayn\u0131 arac\u0131 kurulu\u015f \u00fczerinden s\u00fcreci tamamlamas\u0131 gerekir.<\/p>\n\n\n\n Ancak burada kar\u0131\u015ft\u0131r\u0131lmamas\u0131 gereken bir nokta mevcut. Al\u0131c\u0131 ve sat\u0131c\u0131n\u0131n ayn\u0131 arac\u0131 kurulu\u015fta hesap sahibi olma zorunlulu\u011fu her zaman aranmaz. \u00c7\u00fcnk\u00fc bu durum, arac\u0131 kurulu\u015fun kendi uygulama politikalar\u0131na ba\u011fl\u0131d\u0131r. Bunun i\u00e7in taraflar\u0131n bu konuda net bilgi alabilmesi ad\u0131na se\u00e7tikleri arac\u0131 kurulu\u015fun \u00e7a\u011fr\u0131 merkeziyle ileti\u015fime ge\u00e7meleri \u00f6nerilir.<\/p>\n\n\n\n G\u00fcvenli \u00d6deme Sistemi\u2019nin kullan\u0131m\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda Ticaret Bakanl\u0131\u011f\u0131 taraf\u0131ndan belirlenen sabit bir hizmet bedeli tahsil edilir. Bu \u00fccret, her y\u0131l g\u00fcncellenir ve sat\u0131\u015f i\u015flemi s\u0131ras\u0131nda al\u0131c\u0131 taraf\u0131ndan \u00f6denir.<\/p>\n\n\n\n Ara\u00e7 sat\u0131\u015f bedeli g\u00f6nderilirken bu kullan\u0131m \u00fccretinin de toplam tutara ayr\u0131ca eklenmesi gerekir. Aksi halde sistem, bu \u00fccreti sat\u0131\u015f tutar\u0131n\u0131n i\u00e7inden keser. Yani sat\u0131\u015f bedelinin 500.000 TL oldu\u011fu bir i\u015flemde al\u0131c\u0131n\u0131n 2025 y\u0131l\u0131 i\u00e7in belirlenen G\u00fcvenli \u00d6deme Sistemi kullan\u0131m \u00fccreti olan 194,31 TL\u2019yi de tutara eklemesi gerekir. Yani g\u00fcvenli \u00f6deme \u00fczerinden g\u00f6nderilecek toplam tutar 500.194,31 TL olmal\u0131d\u0131r.<\/p>\n\n\n\n E\u011fer al\u0131c\u0131 bu eklemeyi yapmazsa 194,31 TL\u2019lik hizmet bedeli 500.000 TL i\u00e7erisinden otomatik olarak d\u00fc\u015f\u00fcl\u00fcr ve sat\u0131c\u0131n\u0131n hesab\u0131na kalan tutar aktar\u0131l\u0131r.<\/p>\n\n\n\n G\u00fcvenli \u00d6deme Sistemi\u2019nin yan\u0131 ara\u00e7 al\u0131m sat\u0131m\u0131nda dikkat edilmesi gereken bir di\u011fer konu ise Zorunlu Trafik Sigortas\u0131d\u0131r. \u00c7\u00fcnk\u00fc 5 Aral\u0131k 2024 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren yeni d\u00fczenleme ile ikinci el ara\u00e7 alacak ki\u015finin noter sat\u0131\u015f i\u015fleminden \u00f6nce trafik sigortas\u0131 yapt\u0131rmas\u0131 zorunludur. Bu nedenle de al\u0131m-sat\u0131m i\u015flemi i\u00e7in arac\u0131n yeni sahibi ad\u0131na yeniden d\u00fczenlenmi\u015f bir sigorta poli\u00e7esi ibraz edilmelidir. <\/p>\n\n\n\n \u201cPeki, Zorunlu Trafik Sigortas\u0131\u2019n\u0131 nas\u0131l yapt\u0131raca\u011f\u0131m?\u201d diyorsan\u0131z da MAPFRE Sigorta olarak her zaman yan\u0131n\u0131zday\u0131z. MAPFRE Sigorta\u2019dan Zorunlu Trafik Sigortas\u0131<\/a> yapt\u0131rarak hem ara\u00e7 al\u0131m i\u015flemlerinizi tamamlayabilir hem de ara\u00e7 sahiplerinin yasal zorunlulu\u011funu yerine getirebilirsiniz. Detayl\u0131 bilgi almak i\u00e7in sat\u0131\u015f kanallar\u0131m\u0131zla<\/a> ileti\u015fimize ge\u00e7ebilirsiniz.\u00a0<\/p>\n\n\n\n\n
\n
Noterde G\u00fcvenli \u00d6deme \u0130\u00e7in Ayn\u0131 Banka Olmas\u0131 Gerekli mi?<\/strong><\/h2>\n\n\n\n
Noterde G\u00fcvenli \u00d6deme Sistemi \u00dccreti Ne Kadar?<\/strong><\/h2>\n\n\n\n
\u0130kinci El Ara\u00e7 Sat\u0131\u015f\u0131nda Zorunlu Trafik Sigortas\u0131 Yapt\u0131rmak \u015eart m\u0131?<\/strong><\/h2>\n\n\n\n
<\/figure>\n\n\n\n