Mypayz

Mypayz: Overview For Merchants

Evaluating a Turkish payment service provider requires clarity on licensing, products, security, and how you will actually accept payments day to day. Mypayz is a payment institution headquartered in Istanbul that provides card-not-present and point-of-sale acceptance alongside bill payments and money transfers.

What Merchants Should Know Upfront

• Licensed payment institution in Türkiye, with disclosures on the site that it is authorized by the Central Bank of the Republic of Türkiye.

• Product set spans Virtual POS for online acceptance, Android POS for in-person payments, a payment-link product called LinkPay, recurring payments, and one-click checkout.

• Security and risk controls described include a PCI-DSS certified infrastructure and a fraud monitoring service with machine-assisted rules and manual review.

• The website promotes an option to take payments via a merchant portal without any integration.

• Public pricing, settlement timings, interchange model, and brand acceptance lists are not published on the site at the time of writing.

Company And Licensing

Corporate Identity And Regulatory Status

Mypayz communicates that it operates as Mypayz Ödeme Kuruluşu A.Ş. and that it is authorized by the Central Bank of the Republic of Türkiye as a payment institution. Its corporate and governance pages state that the company continued operations under this name following license changes in September 2023. Contact details include a published Istanbul address and a national business support line and email.

Agent Network

Mypayz lists an extensive representative network, indicating coverage across Türkiye’s 81 provinces. For some merchants, especially those needing face-to-face onboarding or field support, this footprint may be relevant.

Products And Acceptance Methods

Virtual POS For Online Acceptance

Mypayz offers a Virtual POS service for card-not-present transactions. The product messaging emphasizes achieving acceptance with a single integration and a single contract. While the site highlights ease of onboarding and suitability for a wide range of merchants, it does not list specific supported card brands or alternative payment methods. In practice, you should confirm scheme coverage, currency support, and cross-border acceptance during your sales dialogue.

LinkPay Payment Links

LinkPay enables merchants to generate a payment link and share it with customers through digital channels and social platforms. The promise is minimal technical effort and a quick flow to collect funds. Typical LinkPay use cases include remote invoicing, social commerce, and call center payments. The site does not publish maximum link lifetimes, risk rules tied to links, or surcharge settings, so these items should be validated when you test.

Recurring Payments

Mypayz provides a recurring payments capability for subscription or installment scenarios. The website positions this as part of its online stack but does not specify tokenization standards, retry logic, or dunning tools. If you operate memberships or SaaS billing, ask about card lifecycle management, merchant-initiated transaction support, and how failed payments are signaled to your systems.

One-Click Payments

One-click payment is presented as a convenience feature layered on the card acceptance flow. The site associates this with its PCI-DSS certified infrastructure, implying card data is handled in a way designed to reduce merchant exposure. Clarify whether stored credentials are handled under a network tokenization framework or proprietary vaulting, and whether network-mandated stored credential indicators are included on subsequent transactions.

Android POS For In-Person Acceptance

For physical points of sale, Mypayz promotes “Yeni Nesil POS – Android POS” devices. The pages reference the same security and fraud stack used for online payments. However, there is no public specification of device models, connectivity, printer or barcode support, offline authorization behavior, or EMV contactless kernels. If you need retail or hospitality features, ask for a device matrix and PCI PTS status.

Payments Without Integration: Merchant Portal

The Merchant Portal allows you to accept payments without any technical integration. This can be useful for lightweight operations or as a fallback during development. The portal is also positioned for ad-hoc collections and remote invoices. Confirm user roles, audit logs, and whether the portal supports partial captures, voids, and refunds with role-based controls.

Mobile Acceptance

Mypayz also references mobile acceptance options. Public app listings indicate capabilities such as card acceptance, payment links, QR-based payments, and email-based requests. Treat these as channel options to validate through a pilot, especially if you plan to enable staff-wide usage.

Security And Risk Controls

PCI-DSS Certified Infrastructure

Across multiple product pages, Mypayz states that its payment infrastructure is PCI-DSS certified. While PCI is a baseline expectation for any PSP handling cardholder data, you should still request the latest Attestation of Compliance and confirm the scope, version, and service-provider level.

Fraud And Abuse Prevention

Mypayz describes a fraud and abuse program that combines automated filters with a 24-7 specialist team. The site references more than 200 filters supported by artificial intelligence. Since rule catalogs and models are not enumerated publicly, merchants should ask how rules are tuned by MCC, channel, device signals, and risk thresholds, and whether velocity controls, geofencing, and chargeback alerts are included.

Integration, Developer Experience, And Checkout

Integration Options

Site content notes that Mypayz provides integration options in various programming languages and highlights a fast setup. Public developer documentation, SDK lists, API references, and webhooks are not published on the main site. If you are building a custom checkout, ask for a developer portal preview that includes endpoints, authentication model, IPN or webhook payloads, and sample code.

Using The Portal To Start

If you need to go live before completing an integration, the portal-based flow can serve as a transitional solution while your team builds and tests the API integration. Confirm how portal transactions reconcile with your back-office and whether the same MID and descriptor are used across channels.

Pricing, Settlement, And Contracts

Public Pricing And Fee Structure

Mypayz does not publish setup fees, monthly fees, per-transaction pricing, or fee structure on its website. There is also no public indication of whether pricing is flat, tiered, interchange-plus, blended, or volume-based. Expect a sales conversation and a contract proposal. To compare offers fairly, request a complete pricing sheet that includes authorization fees, cross-border and FX markup, chargeback fees, refunds, retrievals, PCI or compliance fees, payout fees, and hardware rental if applicable.

Settlement Timelines And Payouts

The site does not disclose settlement schedules, payout currencies, minimum reserve policies, or rolling reserve triggers. These topics are material to cash flow. Ask for written confirmation of T+ timings by card brand, weekends and holidays handling, cutoff times, and reconciliation files or reports.

Contracts And Onboarding

Mypayz emphasizes a single contract and integration across channels. Onboarding flows are handled online with a merchant application path. You should still validate UBO, KYC document requirements, and average approval times for your MCC and risk tier.

Support, Operations, And Coverage

Support Channels

Mypayz lists a national phone line and email contact, and it maintains a help center that reiterates the regulatory authorization. If you operate 24-7 commerce, ask for support SLAs, escalation paths, and whether a named account manager is included at your processing volume.

Field Presence

The agent directory signals nationwide coverage in Türkiye. If your business relies on on-site installations, training, or cash collection services, the presence of local representatives may reduce rollout friction.

Compliance And Data Protection

Mypayz publishes privacy notices, KVKK disclosures, and data-retention policies for Turkish data protection compliance. For merchants subject to GDPR or other frameworks, request a data processing agreement, sub-processor list, and data-flow diagrams showing how cardholder and personal data are stored and transferred. If you plan to process recurring or one-click payments, confirm how stored credentials are protected and whether network tokenization is available.

Who Should Consider Mypayz

• Merchants in Türkiye seeking a single provider for online, link-based, and in-person card acceptance.

• Social commerce sellers and SMEs that want to start with a payment link or portal before integrating.

• Subscription businesses that need recurring payments and one-click experiences, provided the necessary tokenization and retry features are confirmed.

• Multi-site operations that value a provider with field representatives across provinces.

Conclusion

Mypayz positions itself as a Turkish payment institution offering online, link-based, and in-person card acceptance with a PCI-DSS certified infrastructure and a fraud service that combines automated filters with 24-7 human oversight. The product breadth is suitable for SMEs through to larger merchants that need both e-commerce and POS. If your priorities include fast startup via payment links and the ability to expand into API or Android POS later, Mypayz is a candidate for a pilot, provided you document the operational and security specifics during procurement.