We live in Turkey for almost three years. Most of the payments (supermarkets, wool-shops, clothing shops (for my wife), Aidat, taxes, electricity, water, Cigarettes, Alcohol...) are paid through bank (or card).
However there are a few exceptions, restaurants, hairdressers, markets, especially like cash payments (and I do understand). Typically (restaurant and hairdresser) we give 10% tip and if really good 15 or even 20%
What is your experience?