Direct web store
Selling games, IAPs, or cosmetics on your own site to avoid the store commission, or because the store rules now allow off-store purchases for digital goods.
Banking & Payments
Virtual POS
A card-acquiring relationship for direct web, off-store, and B2B sales. Onboarded to a bank or licensed payment service provider, integrated against 3D-Secure 2, settled daily to your corporate IBAN.
- Card-acquiring
- 3D-Secure 2
- BDDK-licensed
- Daily settlement
What it is
When you sell through the App Store and Google Play, Apple and Google are your payment processor. When you sell anywhere else (a web store, a B2B licensing deal, off-store IAPs where store rules allow), you need a Turkish virtual POS: a card-acquiring relationship with a Turkish bank or a BDDK-licensed payment service provider under Law No. 6493. We pick the right provider for your volume, ticket size, and refund profile, run the merchant onboarding, support the 3D-Secure 2 integration, and connect the daily-settlement flow to your corporate IBAN. Pricing, rolling-reserve terms, and chargeback rules are negotiated up front so there are no surprises at month three.
When you need this
Anywhere you sell that isn't the App Store or Google Play.
Apple and Google handle card processing inside their stores. Outside the stores, the merchant of record is you. A Turkish virtual POS is the licensed acquiring relationship that makes that legal and operational.
B2B licensing
Licensing your IP, SDKs, or backend services to publishers and operators who pay by card on order forms or self-serve plans.
Merch and physical
Apparel, collectibles, and event tickets where the buyer expects a card-on-page checkout, not a marketplace redirect.
How a transaction moves
Cardholder to corporate IBAN in one daily batch.
01
Cardholder checks out
Pay button on your site or in-app. Card details captured in the provider's tokenised form so PCI scope stays minimal.
02
3D-Secure 2 authentication
Frictionless flow for low-risk transactions; challenge step (one-time password) where the issuer requires it.
03
Acquirer authorisation
Provider routes to the cardholder's issuing bank, returns approval or decline in under a second.
04
T+1 settlement to IBAN
Daily batch settled to your corporate Turkish IBAN. FX surcharge on cross-border BINs broken out on the settlement report.
How we do it
Provider selection to live transactions.
Four to eight weeks for bank acquirers. Two to four weeks for licensed PSPs. Faster if the Turkish entity already has its corporate banking with us.
Provider selection
We match your volume, average ticket, refund profile, and target geographies to the right provider. Bank acquirers (Garanti BBVA, İşbank, Akbank, Yapı Kredi, QNB Finansbank) for high-volume direct sales; BDDK-licensed PSPs (iyzico, param, Birleşik Ödeme, Moka United, PayTR) for faster onboarding and stronger developer experience. Pricing, reserve terms, and contract length compared head-to-head.
Merchant onboarding and underwriting
Application, KYC pack, business-model questionnaire, expected-volume projection, and refund and chargeback policy submitted through our partner relationship. Where the entity is new, group financials and forecast volume substitute for trading history. Rolling-reserve percentage and term negotiated up front.
API and 3D-Secure 2 integration
Sandbox credentials issued. We pair you with the provider's solution engineer and review the integration: tokenisation, 3D-Secure 2 frictionless flow, recurring billing if needed, refund and capture APIs, webhooks. Apple Pay and Google Pay enabled where the provider supports them.
Production cutover
Production credentials issued. Live transactions monitored for the first week. Chargeback workflow documented in your refund and dispute SOP.
Daily settlement and reconciliation handover
T+1 settlements bound to your corporate Turkish IBAN. Daily settlement reports ingested by your CPA and tied to e-invoices, with FX surcharges on cross-border BINs broken out separately.
What's included
Selection through go-live.
- Provider shortlist with pricing, reserve, and contract-length comparison
- Merchant onboarding and underwriting coordination
- KYC pack assembly (company, UBOs, business model)
- Pricing and rolling-reserve negotiation up front
- API and 3D-Secure 2 integration support with the provider's solution engineer
- Apple Pay and Google Pay activation where supported
- Production cutover monitoring for the first week
- Daily settlement reconciliation handover to your CPA
- Chargeback and refund SOP for your support team
Key facts
The mechanics behind the acquiring.
- Two acquirer types
- Turkish banks (Garanti BBVA, İşbank, Akbank, Yapı Kredi, QNB Finansbank) acquire cards directly. BDDK-licensed PSPs sit between the merchant and the card networks under Law No. 6493. Banks suit high-volume merchants. PSPs onboard faster and have a stronger developer experience. We pick based on your profile, not on what is easiest for us.
- Pricing model
- Standard pricing is a discount rate (typically 1.5 to 3.0 percent of the transaction amount) plus a small per-transaction fee. Cross-border BINs add an FX surcharge (often 0.3 to 0.5 percent). Higher volume and lower risk pull the discount rate down; new entities and high-refund categories pull it up.
- Rolling reserve
- New or higher-risk merchants are typically subject to a rolling reserve: 5 to 10 percent of each settlement held by the acquirer for 6 months and then released. We negotiate the percentage and the term up front. Established merchants with a clean chargeback record can negotiate it away over time.
- 3D-Secure 2
- BKM (Interbank Card Centre) and the card schemes require 3D-Secure for most transactions. 3DS2 supports a frictionless flow on low-risk transactions: the cardholder is authenticated invisibly via device fingerprinting and behavioural signals, so approval rates stay high.
- Settlement currency
- Most Turkish virtual POS providers settle in TRY. Some support USD or EUR settlement on cross-border BIN transactions or with a foreign-currency merchant account. Where you sell mostly to non-resident customers in USD, this matters: it lets the receipt land in your USD sub-account and supports the service-export tax exemption file.
- Chargebacks
- Visa and Mastercard rules give cardholders a window of typically 120 days to dispute a transaction. The acquirer monitors your chargeback ratio; over 1 percent puts you in remediation programmes that affect pricing and reserve. The refund and dispute SOP we hand over is designed to keep you below that ratio.
- Regulatory frame
- Payment service providers in Türkiye are licensed and supervised by the BDDK under Law No. 6493 on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions. The card schemes are coordinated through BKM. Compliance is the provider's responsibility, but the merchant agreement passes specific obligations (KYC on customers above thresholds, sanctions screening) through to you.
Bundled in
- StarterNo
- BuilderNo
- EnterpriseNo
- Add-on available
Pricing
Add-on. Scoped per provider. Pricing depends on volume, average ticket, refund profile, and the acquirer's underwriting terms.
Related services
App Store & Google Play Payouts
Apple and Google paying your Turkish entity directly, in the original currency, at treaty withholding rates. The tax forms, the bank binding, the developer-account migration.
Learn more
Multi-Currency Banking
TRY, USD, and EUR sub-accounts under one corporate banking relationship. Receive in the original currency, convert on your timing, evidence the service-export exemption.
Learn more
Bookkeeping & Tax Filings
Monthly bookkeeping under the Turkish Uniform Chart of Accounts, every statutory filing on its statutory date, run by a licensed Turkish CPA on the e-fatura and e-defter rails. Built so your investors and your CFO can read it.
Learn more
Ready to map your setup?
Free 30-minute discovery call. We'll match the right services to your stage and come back with a fixed-fee proposal.