Elekse

Elekse: Payment Services, Virtual POS, and Wallet Solutions for Turkish Merchants

Merchants evaluating payment partners in Turkey will find Elekse a noteworthy option for card acceptance, bill collection, and e-money wallet functionality. Elekse provides Virtual POS acquiring through its Esnek Pos brand, a nationwide bill payment and remittance agency network under Yetkili Vezne, and a consumer wallet called Hoppa.

What Elekse Does

Elekse is an electronic money and payment services company operating in Turkey. Its platform spans three main product lines that can be relevant to merchants:

• Esnek Pos for online card payments with a single integration

• Yetkili Vezne for agent locations that collect bills, process money transfers, and accept card payments

• Hoppa wallet for consumer payments, transfers, and bill pay

The company highlights long-running activity in the domestic market and positions its services for businesses seeking online acquiring, recurring collections, marketplace flows, and link-based payments.

Esnek Pos: Virtual POS For Online Card Acceptance

Core Capabilities

Esnek Pos is Elekse’s Virtual POS solution. It allows merchants to accept card payments online through a single integration rather than contracting with multiple banks separately. Key capabilities disclosed by Elekse include:

• Single integration to accept payments through the Esnek Pos panel rather than integrating separate bank VPOS connections

• Installments for debit and credit cards where supported

• No monthly or annual platform fee stated for Esnek Pos access

• Security controls that include automatic fraud checks, SSL, and PCI DSS compliance claims

Payment Experiences And Flows

Within Esnek Pos, Elekse offers multiple flows designed to match different use cases:

• Hosted payment page and 3D Secure for card authentication

• EsnekLink to create and share pay-by-link via social, email, or SMS

• Regular Payment for recurring dues, donations, or subscriptions with weekly, monthly, or yearly schedules

• EsnekMarket marketplace model where Elekse automates commissions and pay-outs between the platform and sellers

These flows let merchants start with pay-by-link and hosted checkout, then expand into subscriptions or marketplace distributions without building bespoke rails.

Developer Resources

Elekse publishes developer documentation for Esnek Pos that outlines API endpoints and modules:

• Getting started and environments with separate test and production

• Payment services including 3D payments, a common payment page, and a payment request service

• Recurring payments with tokenized card storage and cancellation

• Marketplace integration for store creation, payment capture, refund request, and reducing store receivables

• Android POS Web API for in-person acceptance through Android POS devices

• Back-office services such as transaction listing, refund and reversal, BIN lookup, installment and rates listing, and receipt retrieval

This scope indicates that Esnek Pos is positioned to support typical e-commerce, subscription, and marketplace models in Turkey.

Yetkili Vezne: Bill Collection And Money Transfer Network

What Merchants Can Offer As Representatives

Yetkili Vezne is Elekse’s representative agency network. Businesses that become representatives can provide several services to end customers at the counter:

• Collection of all invoices for utilities and similar recurring bills

• Domestic and international money transfers

• Credit card payment acceptance

• Mobile top-ups partial or full

• Ticketing and insurance sales, as listed on Elekse’s product page

Elekse states it has operated representative offices with the Yetkili Vezne brand since 2007 and describes a network of more than one thousand representatives throughout Turkey. The company emphasizes compliance with Turkish payment legislation and ongoing system improvements based on feedback from subscribers and representatives.

When This Matters For Merchants

For merchants with physical locations that serve local communities, acting as a Yetkili Vezne representative can add ancillary revenue through commissions on bill pay and remittance services. It can also expand foot traffic and provide another use case for card acceptance at the point of sale.

Hoppa: Consumer Wallet For Transfers And Daily Payments

Hoppa is Elekse’s consumer wallet application. While primarily a consumer product, it intersects with merchant use in several ways:

• 24/7 transfers to contacts, IBAN, or other Hoppa users

• Bill and subscription payments directly from the app

• Virtual and physical card payments and QR payments at participating merchants

• Top-up and withdrawal between bank accounts and the wallet

For merchants that enable QR acceptance through the Elekse ecosystem, Hoppa can provide an alternative tender type that potentially reduces friction for returning customers.

Security, Compliance, And Risk Controls

Elekse publicly references several safeguards and frameworks across its product pages and documentation:

• PCI DSS, SSL, and automatic fraud checks for Esnek Pos payments

• 3D Secure flows in developer documentation

• Compliance with Turkish law number 6493 governing payment and e-money services, specifically noted in the Yetkili Vezne material and in the Hoppa app listing

These signals indicate Elekse’s posture toward payment security and regulatory compliance in Turkey. Merchants with internal audit or INFOSEC obligations should validate PCI DSS scope and current certification directly with Elekse and align on 3D Secure flows that meet their risk and acceptance targets.

Pricing And Settlement

Elekse does not publish a full public fee schedule on the English site. The Esnek Pos page notes that access to the platform does not require monthly or annual charges. However, transaction pricing, installment commissions, and settlement timelines are not detailed publicly and should be requested from Elekse’s sales team.

Integration Options

• Choose the integration model: hosted payment page with 3D Secure, direct API for server-to-server, or link-based payments with EsnekLink

• Test environment: use the developer test environment to verify payment, refund, and error flows

• Recurring payments: configure tokenization and scheduling for dues or subscriptions using the Regular Payment service

• Marketplace: implement store creation, payment capture, split settlement, and reconciliation if operating a marketplace

• Android POS: evaluate the Android POS Web API if you need in-person acceptance alongside online flows

Who Elekse Can Be A Fit For

Elekse is most relevant for:

• Domestic Turkish businesses that want a single-integration online acquiring setup with installments and hosted checkout

• Subscription and dues models that need recurring billing and tokenized card storage

• Marketplaces that require automated commission and seller pay-outs

• Physical outlets seeking to become a Yetkili Vezne representative for bill collection and remittances

• Merchants targeting wallet users where QR and in-app payments through Hoppa can complement card acceptance.

Conclusion

Elekse provides an integrated stack for Turkish merchants that spans online card acceptance through Esnek Pos, an agency network via Yetkili Vezne, and a consumer wallet with Hoppa. The platform highlights single-integration acquiring with installments, hosted payment page and 3D Secure, recurring payments, marketplace settlement, and pay-by-link. For in-store scenarios, Android POS APIs and the representative network broaden acceptance options.