Accept Card Payments in Türkiye with the Right Setup
Payment integration is the most critical component of any e-commerce site operating in Türkiye. Customers must be able to pay by card safely, and you need to receive those payments without friction. The right provider choice and a professional integration directly affect your conversion rate.
Zeisoft is an independent consultancy and integrator. We do not sell our own payment product. Instead, we help you choose the right BKM-licensed provider for your situation, then build and maintain the integration.
Why Payment Integration Matters
Accepting Online Payments
Turkish e-commerce requires a payment integration. Your customers:
- Pay by credit or debit card
- Complete a secure 3D Secure step
- Receive instant order confirmation
Secure Transactions
A professional integration ensures:
- Card data is processed safely
- 3D Secure prevents fraud
- The setup follows PCI-DSS principles
- All traffic is SSL-encrypted
Customer Trust
Recognised payment provider logos (iyzico, PayTR, the bank brands) signal trust to Turkish shoppers. A clean, professional checkout improves conversion. Cart abandonment at the payment step is one of the largest losses in Turkish e-commerce — getting this right matters.
Which Payment Providers We Work With
iyzico Integration
iyzico is Türkiye’s most widely used payment provider. It is the default starting point for most new e-commerce sites:
Strengths:
- Fast onboarding (no separate bank agreement needed)
- Easy integration, well-documented APIs
- Sub-merchant system (useful for marketplace models)
- Hosted checkout / payment form options
- Strong instalment support
- Built-in fraud protection
What we set up with iyzico:
- Single-payment and instalment flows
- 3D Secure
- Payment result notifications (callbacks)
- Refunds and cancellations
- Webhooks for order automation
PayTR Integration
PayTR is preferred for its competitive commission structure and quick integration:
Features:
- Fast integration
- Lower commission than iyzico
- 3D Secure support
- Instalment support
- Solid API documentation
Why teams pick PayTR:
- Cost-friendly for SMBs
- Turkish-language support
- Straightforward onboarding
Bank Virtual POS Integrations
If you already have an agreement with a Turkish bank, we integrate directly with that bank’s virtual POS:
Garanti BBVA Virtual POS
- Wide instalment options
- Bonus card campaigns
- Robust payment infrastructure
- Virtual POS API
Akbank Virtual POS
- Axess card benefits
- Flexible instalments
- 3D Secure integration
Yapı Kredi Virtual POS
- World card campaigns
- Instalment options
- POS.NET infrastructure
İş Bankası Virtual POS
- Maximum card benefits
- Secure payments
- Instalment support
Vakıfbank Virtual POS
- Worldcard campaigns
- 3D security
- API integration
Ziraat Bankası Virtual POS
- BankCard benefits
- Competitive commission
- Reliable infrastructure
E-Commerce Platform Integrations
We deliver payment integration on every major platform used in Türkiye:
Shopify Payments
- Shopify Payments where available
- iyzico payment gateway
- PayTR integration
- Custom bank POS integration
WooCommerce Payment Integration
- Custom plugins for WooCommerce
- iyzico and PayTR plugins
- Bank virtual POS integration
- Checkout page customisation
İkas Payment Module
- İkas payment module
- Multiple virtual POS support
- Instalment configuration
Custom E-Commerce Sites
For custom builds and Turkish-built platforms like Ticimax and IdeaSoft:
- Custom API integration
- Secure checkout page design
- Responsive checkout
- Payment result handling
Integration Features
3D Secure Integration
Every payment integration includes 3D Secure:
- SMS confirmation code
- Bank security page
- Two-factor authentication
- Fraud protection
Instalment Management
- Flexible instalment rules
- Per-bank instalment tables
- Minimum basket value control
- Display of instalment interest rates
Cancellation and Refunds
- Automated refund processing
- Partial refund support
- Cancellation notifications
- Accounting workflow aligned with e-invoice integration
Payment Notifications
- Successful payment email
- Failed payment alert
- Admin notification
- Order status update
Integration Process
1. Needs Analysis
- Which e-commerce platform are you on?
- Do you already have a bank agreement?
- What is your monthly transaction volume?
- Will you offer instalments?
2. Provider Selection
iyzico / PayTR is usually the right call when:
- You are launching a new e-commerce site
- You have no existing bank agreement
- You want a fast start
A bank virtual POS is usually the right call when:
- You have high revenue and need lower commission
- You already have a bank agreement
- You run special instalment campaigns
3. Test and Build
- Sandbox setup
- API connections
- Checkout page design
- 3D Secure testing
4. Go Live
- Real transaction tests
- Security checks
- SSL certificate
- Production switch-over
Security and Compliance
PCI-DSS Compliance
Card data is never stored on your server. All payment information is transmitted through encrypted channels to the payment provider.
SSL Certificates
Your e-commerce site must run on HTTPS. SSL certificate setup is part of our delivery.
Fraud Protection
- Suspicious transaction detection
- IP checks
- CVV verification
- Velocity checks
Payment Costs
iyzico / PayTR Commissions
- ~2-3% per transaction (varies by provider and volume)
- No monthly fixed fee
- No bank agreement required
Bank Virtual POS
- ~1.5-2.5% per transaction
- Bank agreement required
- Better economics at higher volume
Note: Our integration costs are fixed and predictable. The commission rate is set by your contract directly with the payment provider — we help you negotiate it but you remain the merchant of record.
Who Should Use Payment Integration?
- New e-commerce sites: anyone launching online sales in Türkiye
- Existing sites: modernising the payment stack
- Marketplace sellers also running their own site: see our marketplace integration work
- Marketplaces: sub-merchant setup for multi-vendor platforms
Once your payment infrastructure is in place, you can pair it with shipping integration and automated invoicing to automate the order-to-fulfilment cycle end to end. We also serve clients in e-commerce and retail with sector-specific payment setups.
When the payment integration is wired into your existing accounting software, settlement and reconciliation data flow into your books automatically.
Set up secure payment integration for your Turkish operation. Get in touch for a free discovery call.