N Kolay

N Kolay: Overview For Merchants

N Kolay provides acquiring and payment solutions for businesses that need to accept card payments in Turkey across online and in-person channels. The provider presents a portfolio that includes Virtual POS for ecommerce, physical POS devices for card-present acceptance, link-based payments, and automation options for recurring collections.

What N Kolay Offers To Merchants

N Kolay’s sites describe a set of merchant services under “POS Solutions” and “Virtual POS” with options for both online and in-store sales.

Core Payment Channels

• Virtual POS for Ecommerce: A hosted or API-driven card acceptance capability enabling online card payments for ecommerce and B2B dealer portals. N Kolay emphasizes quick start with ready-made integrations.
  Use case: web checkout and remote payments.

• Physical POS Devices: In-store acceptance via Android POS, EFT POS, and integrated cash register POS devices.
  Use case: retail, food and beverage, service counters, delivery.

• Link-Based Payments: Ability to collect with payment links, referenced under “POS Solutions.”
  Use case: remote invoicing, social commerce, phone orders.

• Automatic Payment Solutions: Automation options are referenced alongside POS products.
  Use case: recurring collections for subscriptions or installments.

Ancillary Payment Services

• Bill Payment and Collections Network: N Kolay operates a nationwide bill payment network and dealer model. While primarily consumer-facing, this network indicates broad reach and operational scale that may benefit merchants with over-the-counter payment needs.

Payment Methods And Acceptance

• Card Acceptance: N Kolay positions merchants to accept all major bank and credit cards within Turkey using a single POS setup. Taksitli satış installments are referenced for eligible cards.
  Implication: broad domestic card coverage via a single integration.

• QR And Alternative Flows: N Kolay’s digital banking property promotes QR acceptance for consumers, and the merchant materials highlight multiple collection flows. If QR acceptance is required in a merchant environment, confirm availability and supported rails directly with N Kolay for your specific setup.

Technical Integration And Developer Options

For Virtual POS, N Kolay provides an integration site with English documentation that clarifies how merchants can connect and what responsibilities apply.

Integration Models

• Hosted Payment Page: Merchants can redirect to N Kolay’s payment page to minimize PCI exposure.
  Fit: faster go-live with reduced compliance scope.

• Direct API Integration: Documentation outlines a model where merchants collect card data on their own pages and pass it to N Kolay via API. In this structure, the merchant is responsible for applicable PCI DSS requirements.
  Fit: fully customized checkout and UX control.

Developer Materials

• Integration Guides
  Public docs describe payment integration services, payment processing via API, and structure choices.

  • Clarifies data flow responsibilities

  • Indicates available endpoints and sample flows

  • Helps teams estimate engineering effort and compliance scope

Compliance And Licensing

• Licensed Payment Institution: The provider operates as a licensed payment institution under the Central Bank of the Republic of Turkey in accordance with relevant regulations.

• PCI DSS: N Kolay’s materials state PCI DSS certification. For merchants opting for direct API with on-site card data collection, PCI responsibilities shift to the merchant.

• Corporate Structure And Scale: N Kolay is presented within the Aktif Bank group, with references to nationwide service points and a long-standing presence.

Typical Merchant Fit

N Kolay’s disclosed product set suggests coverage for the following profiles:

• Omnichannel SMEs: Retailers and service providers needing both in-store POS and online acceptance with a single partner.

• Pure Ecommerce And Marketplaces: Merchants implementing hosted pages for fast go-live or API integrations for full UX control, including installment support for domestic cards.

• B2B Collections: Dealers or distributors using link-based payments or Virtual POS on dealer portals.

• Billers And Over-The-Counter Use Cases: Businesses that benefit from a provider experienced in nationwide collection networks.

Merchants with complex international routing, advanced fraud orchestration, or multi-currency settlement should confirm capabilities directly, as these topics are not detailed on the public pages reviewed.

Conclusion

N Kolay provides a unified suite for accepting payments online and in store, pairing Virtual POS and physical POS with link-based and automated collection options. Merchants evaluating N Kolay should prioritize confirmation of pricing, settlement timelines, installment specifics, and the technical details that align with their checkout and reconciliation workflows.