Lidio

Lidio
Company: Lidio Ödeme Hizmetleri A.Ş.
Employees: 51–200 Employees
Company Size: SMB
Ownership: VC-Backed
Headquarter Country: Turkey
Year Established: 2020
Supported Regions: Middle East
Supported Countries: Turkey
Industry Focus: B2B, Ecommerce
Annual Revenue (USD): 19,000,000
Setup Fee (USD): 0.00
Monthly Fee (USD): 0.00
Fee Structure: Custom Per Merchant
Supported Currencies: TRY - Turkish Lira
Transaction Types: ACH/Bank Transfer, Card Not Present, Card Present, Digital Wallets, Payment Links, POS Terminal, Recurring Billing, Split Payments
Supported Payment Methods: BKM Express, GarantiPay, iDEAL, İşbank Mobile Wallet, Klarna, Mastercard, SOFORT, Troy, Visa
Compliance: 3D Secure Support, AML/KYC Screening, PCI DSS
Risk Management: Automated KYC/Underwriting, Fraud Prevention
Developer & Integration: Hosted Payment Page, Plugins, Tokenization Support, Web Services API
Onboarding Time: 1-2 Days
API Accessibility: Public
Reporting & Onboarding: Online Merchant Portal, Reporting API
Third-Party Integrations: OpenCart, WooCommerce

Lidio: An Overview For Merchants Evaluating Payment Providers

Choosing a payment partner in Türkiye or selling into the market from abroad requires careful due diligence. Lidio is a licensed payment service provider that offers a broad platform covering payment acceptance, orchestration, tokenization, marketplace payouts, and developer tooling.

Lidio At A Glance

Lidio positions itself as a single platform to access banks, payment institutions, and alternative methods while managing collections in one place. The company highlights a licensed infrastructure and publishes operational scale indicators such as millions of monthly transactions and a large tokenized card base. Its site emphasizes secure infrastructure, 24/7 fraud monitoring, cross-border capabilities, and international partnerships. For merchants, the headline proposition is consolidating payment methods and providers behind a unified API and merchant portal.

Core Products And Capabilities

Lidio Core Payment Gateway

Lidio Core acts as the orchestration layer. It enables switching between banks, payment institutions, and alternative methods, with routing designed to increase successful authorizations. Smart Switch features are marketed to retry or redirect failed attempts within milliseconds. Lidio also notes access to AI-supported fraud controls and the ability to accept methods from many countries via a single integration.

Lidio Virtual POS

Virtual POS is Lidio’s hosted acceptance option for online payments. It is presented as contractually streamlined and quick to activate, with integration modules designed for same-day go-live scenarios. The product page states support for international cards, foreign currencies, 3D Secure, and up to 12-installment plans. Lidio also flags tokenization to avoid repeated card entry for returning shoppers and states that Smart Switch and Partial Payment modules are available to Virtual POS merchants.

Marketplace And Seller Management

Lidio’s marketplace solution covers operational and commercial processes for sellers, including FX handling and escrow account management. It highlights real-time seller account creation for the unbanked and KYC processes to reduce marketplace risk exposure.

B2B Payments

For B2B collections, Lidio describes features to accelerate receivables into master accounts and distribute funds to sub-merchants. The site mentions ERP integrations to automate reconciliation and cash-flow projections through the merchant portal.

Card Tokenization And One-Click Payment

Card Tokenization and the Lidio Pass one-click payment flow are positioned as conversion tools. Cards are stored in a secure, PCI DSS Level 1 environment to enable one-click checkouts and repeat billing. Lidio frames tokenization as available through API or secure link, with options for closed-circuit token portfolios for enterprises that want tighter ownership of payment credentials.

Fraud Solutions And Security

Lidio lists AI-assisted fraud prevention, 24/7 monitoring by analysts, and 3D Secure as components of its risk stack. The public site also provides general security guidance for users and stresses that transactions are processed within a licensed and secure infrastructure.

Mass Payout And Payout Destinations

The Lidio Mass Payout product allows funds to be sent to bank accounts, wallets, or Lidio Pass e-money accounts. This is intended for marketplace settlements, refunds outside the card rails, and operational disbursements.

Payment Portal And Merchant Panel

The Payment Portal and Merchant Panel centralize value-added services, dashboards, and configuration. Lidio indicates that the portal helps customize payment pages, monitor performance, and plan cash-flow using internal projections.

Additional Services

Lidio enumerates several add-ons that are relevant for conversion and operational flexibility:

  • Smart Switch to route and retry failed transactions

  • Partial Payment to split a single purchase across multiple methods

  • Loyalty Point Payments to redeem card-network or bank program points at checkout

  • Merchant Panel reports to monitor KPIs and manage operations

Payment Methods And Channels

Card Acceptance, 3D Secure, and Installments

Virtual POS explicitly supports 3D Secure and installment plans up to 12 months, which are widely used by Turkish consumers. Lidio states support for international card acceptance and processing in foreign currencies. Tokenization enables returning customers to pay without re-entering card details.

Alternative and Local Payment Methods

Lidio organizes methods under “Alternative Payments” and “Local Payment Methods,” indicating coverage across Türkiye and other countries. While the official site does not list every method on a single page, the structure signals that merchants can combine bank transfer, card, and local APMs under one platform.

Recurring Payments and Pay by Link

Lidio lists Recurring Payments for subscription and repeat billing use cases and Pay with Link for remote collections via SMS or email. Both are positioned as native methods that can be combined with tokenization to reduce friction.

Channels: API, Hosted Pages, and E-Commerce Platforms

Lidio supports three primary integration channels:

  • API for full control and orchestration

  • Hosted Payment Pages for a faster, compliant checkout option

  • E-Commerce Platforms and plugins, with Shopify called out in navigation, for merchants that prefer prebuilt connectors

Integration Options For Developers

The company maintains a developer portal with API reference, test cards, and categorization guides. The documentation includes endpoints for the full payment lifecycle, such as:

  • ProcessPayment to initiate a transaction

  • FinishPaymentProcess for flows that require additional fields

  • Refund and Cancel for post-authorization operations

  • CreatePaymentLink for link-based collection

  • Payment Notifications that Lidio sends after fraud checks or significant state changes

The developer site also mentions hosted instrument information for redirect methods and configuration parameters for acquirer routing. While the documentation is public, details like environment URLs, authentication keys, and error models should be verified in the latest official reference before production use.

Pricing And Commercial Model

Lidio’s Virtual POS page indicates there are no installation fees, fixed monthly charges, or contingent fees for activation. Merchants sign a single agreement rather than separate bank contracts, and commissions are described as applied on the merchant’s preferred settlement timelines. Exact commission rates and settlement schedules are not published on the site and should be requested during sales discussions. Where installment plans are used, merchants should confirm any issuer or acquirer-level cost implications and how those are surfaced in settlement reporting.

Compliance And Risk Management

Lidio highlights that its infrastructure is licensed by the Central Bank of the Republic of Türkiye. For cardholder data security, the site references PCI DSS Level 1. 3D Secure is promoted on consumer-facing payment pages, and the company provides general security tips to reduce phishing and account compromise risk. Merchants in regulated verticals should also review Lidio’s banned products list and legal notices, available in the site footer, to confirm eligibility and onboarding requirements.

Ideal Merchant Fit And Common Use Cases

Based on the products Lidio publishes, the platform aligns with several merchant profiles:

  • Multi-Acquirer and Optimization-Focused Merchants seeking routing control, retries, and API-based orchestration through Lidio Core

  • Marketplaces and Platforms that require KYC workflows, escrow management, real-time seller account setup, and mass payout

  • Subscription and Repeat-Purchase Brands that benefit from tokenization and recurring billing without repeated card entry

  • Merchants Expanding Cross-Border who need international cards, foreign currencies, and local methods under one integration

  • E-Commerce Teams on a Tight Timeline that prefer hosted pages or platform plugins for faster activation and lower PCI scope

Lidio: Frequently Asked Questions (FAQs)

What is Lidio?

Lidio is a licensed payment service provider in Türkiye offering payment acceptance, orchestration, tokenization, marketplace payouts, and developer tools.

Is Lidio licensed and compliant?

Lidio operates a licensed infrastructure overseen by the Central Bank of the Republic of Türkiye and states PCI DSS Level 1 for card data security.

Which payment methods does Lidio support?

Lidio supports international card payments with 3D Secure and lists alternative and local payment methods. Merchants should confirm exact method and country availability during onboarding.

Does Lidio support installments?

Yes. Lidio’s Virtual POS supports installment plans of up to 12 months, subject to issuer and acquirer availability.

What integration options are available?

Merchants can integrate via API, hosted payment pages, or e-commerce platform plugins such as Shopify.

Does Lidio offer tokenization and one-click payments?

Yes. Lidio provides card tokenization and a one-click flow to speed repeat and subscription payments.

How does Lidio handle fraud prevention?

Lidio advertises AI-assisted fraud controls, 24/7 monitoring, and support for 3D Secure.

What are Lidio’s pricing and fees?

The site states no installation or fixed monthly fees for Virtual POS. Commission rates and settlement terms are not published and should be requested from Lidio.

Does Lidio support marketplaces and payouts?

Yes. Lidio provides seller onboarding, KYC workflows, escrow management, and mass payout to bank accounts, wallets, or Lidio Pass accounts.

Where can developers find Lidio’s API docs?

Developers can use Lidio’s public developer portal, which provides API references for payments, refunds, cancels, payment links, and webhooks.

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