Payments from Turkey are declined on Adobe Commerce checkout

I’m trying to buy a product from Adobe Commerce while using a Turkish‑issued card.
 When the checkout URL contains  co=tr&lang=tr  the payment is always rejected.
 If I change the country to  us  ( co=us&lang=en ) the same card works.
  
 It looks like the Turkish checkout does not accept many Turkish cards, and I need Adobe’s support to fix  
 this. Please let me know how to enable purchases from Turkey without having to switch the locale.         
  
 Thank you.