Paratika

Paratika: Overview For Merchants

Paratika is a payment service provider that enables merchants to accept online and in-person card payments through a virtual POS platform and Android POS devices. Paratika offers multiple integration paths, including a hosted payment page and direct API, with support for 3D Secure authentication, card tokenization, installments, preauthorization and capture, voids, and refunds.

What Is Paratika?

Paratika is presented as a payment facilitator and virtual POS provider under the Payten brand, serving merchants that need to accept payments from bank cards online and in store. For e-commerce, Paratika exposes an API v2 along with a hosted payment page option. For physical acceptance, Paratika offers an Android POS solution designed to process contact and contactless transactions in one device. Paratika’s official materials also highlight vertical solutions, such as agricultural payments, and operational metrics like high transaction success rates and 24/7 technical support.

Core Payment Capabilities

Hosted Payment Page

• Paratika provides a hosted payment page that merchants can redirect customers to for checkout.

• The hosted page flow uses a session token created server side, then serves a payment page hosted in Payten’s environment. This model minimizes PCI DSS scope for merchants by avoiding direct handling of card data in their own pages.

Direct API And 3D Secure

• In addition to a hosted page, Paratika supports a direct post model for accepting card details on the merchant side and submitting them to Paratika’s API.

• Paratika’s documentation describes 3D authentication flows, including steps for redirecting to the Access Control Server, capturing the 3D result, and completing authorization.

• Paratika exposes endpoints for both 3D and non-3D flows, allowing merchants to choose the appropriate path for their use case and risk policy.

Card Tokenization And Saved Cards

• Paratika supports saving cards and paying with an existing card token.

• The documentation shows parameters for saving a card during checkout and for using a cardToken in future transactions, enabling one-click payments and recurring billing scenarios.

Installments

• Paratika’s API includes an installment count parameter that can be passed when creating a transaction.

• Where installment programs are available and enabled, specifying a valid installment count allows merchants to offer pay-over-time options common in the Turkish market.

Preauth, Capture, Void, Refund

• Paratika supports the standard authorization lifecycle:

  • Preauth to reserve funds

  • Postauth (capture) to finalize and collect funds

  • Void to cancel a transaction before end-of-day settlement

  • Refund to return funds after settlement, including partial refunds by item or amount

Channels And Use Cases

E-Commerce Checkout

• Use the hosted payment page to keep PCI DSS scope lower while accepting major card payments.

• Use direct post for a fully embedded checkout and control over user experience. Paratika documents strong error handling with clear error codes for parameter validation and gateway responses.

Pay By Link

• Paratika documents a link-based payment model that generates a payment page URL tied to a session token.

• Merchants can send this link via SMS, email, or in-app message. The link includes amount and order context and has a configurable expiry period. This is useful for invoicing, telesales, and off-site collections.

Marketplace And Split Payments

• Paratika’s API provides a marketplace integration model with configurable commission logic.

• Merchants can define sellers, send order items with seller amounts or commissions, and orchestrate who receives which portion of a payment.

Recurring Payments And Card-On-File

• With saved card tokens, merchants can implement recurring billing for subscriptions and memberships.

• The platform supports the necessary token parameters for secure card-on-file charges initiated by the merchant.

In-Person Acceptance With Android POS

• Paratika offers an Android POS device for in-store acceptance.

• Official materials emphasize a single device that accepts card payments, including contactless, with support for single-payment and installment transactions.

• The device is positioned as part of a unified payment stack, so online and in-person acceptance can be managed under one provider and support model.

Security, Compliance, And Performance

PCI DSS

• Corporate materials state that Paratika’s solutions run on PCI DSS Level 1 certified infrastructure.

• For many merchants, using the hosted payment page can further reduce PCI obligations because card data is collected on Paratika’s environment rather than the merchant’s site.

3D Secure And Device Intelligence

• Paratika’s API details the 3D Secure flow, including authentication at the issuer’s Access Control Server and handling of the 3D result before authorization.

• Sample code in the documentation shows a device data collection script on the payment page, indicating support for risk and fraud checks that use device telemetry.

Availability And Success Rate

• Corporate news highlights a transaction success rate up to 99.9 percent and 24/7 technical support.

• High-volume references, including daily peaks in local currency terms, are cited for specific solutions, which is relevant for merchants expecting bursts of activity.

Developer Experience And Integration

API v2 Endpoints

• Paratika’s API v2 uses HTTPS POST with a session token workflow.

• The documentation provides the base API URL, hosted payment page URL, and direct post endpoints for 3D and non-3D transactions, along with request and response examples.

Error Handling

• The API defines structured error codes for core validation issues and gateway-originating errors.

• Examples include missing required parameters, invalid amount or currency codes, unsupported card brand, unavailable installment options, and transaction state constraints.

• Clear error semantics help reduce integration time and speed up troubleshooting.

Environments And Test Tools

• The documentation includes test forms and request samples for both hosted and direct flows, including 3D authentication test pages.

• These tools support developer testing before moving to production.

Who Paratika May Suit

• Merchants in Türkiye who rely on card installments and want both hosted and direct API options.

• Subscription and membership businesses that need card-on-file and recurring charging with tokens.

• Marketplaces that require split settlements and commission logic managed in the gateway layer.

• Merchants seeking one provider for e-commerce and in-person acceptance through an Android POS device.

• Verticals that benefit from local programs, such as agricultural cards and shopping credit, with parameterized API support.