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This is from experience. I used to work in insurance, and one of my first duties was dealing with BACS payments. I quite liked it so I kept that job even after I moved up.
And I quickly learned how online payments work, and what banks are good at what and time dealys and so on.
And saly if you have a abnk where the staf you need to rely on aren't either trained enough to know what to look for in a REALY BASIC sutiation like this, then you should get another bank.
it really is that simple.
I am currently outside of Turkey. So the only option is to get it from key shops where they overcharge up to 100%. Looks like I am going to pay more or miss the sale this time.
https://help.steampowered.com/en/faqs/view/5BB2-E986-A733-CF0E