Parolapara

Parolapara: Merchant Overview, Features, and Integration Guide

Merchants evaluating card acceptance and payment orchestration in Türkiye will likely encounter Parolapara. Parolapara operates as an electronic money and payment services institution in Türkiye and, since 2025, holds authorization to act as a card-accepting institution.

What Is Parolapara

Parolapara is a payment services provider and electronic money issuer based in Türkiye. For merchants, its core value proposition is enabling card acceptance and related payment services across online and in-person environments. Parolapara also maintains a merchant portal for day-to-day operations and provides API documentation for technical integrations.

Regulatory Status And Licensing

Understanding licensing is critical when selecting a PSP:

• Electronic money and payment services authorization: Parolapara appears on the Central Bank of the Republic of Türkiye’s public list of electronic money institutions empowered to issue electronic money and offer specified payment services under Law No. 6493. This confirms it operates under Turkish payments regulation and is authorized to perform activities listed for its category.

• Card-accepting institution authorization: In March 2025, Parolapara received authorization to operate as a card-accepting institution under Türkiye’s Bank Cards and Credit Cards Law (No. 5464). Practically, this means Parolapara can contract directly with merchants to provide acquiring services and operate acceptance at mobile, virtual, and physical payment points, without having to route merchant contracts through a bank.

What this means for you:

• You contract with an entity that can legally acquire transactions in Türkiye.

• Acceptance can be configured for web and app checkout flows as well as in-person environments, subject to the solutions you choose.

Merchant Acceptance Channels

Based on official statements, Parolapara supports merchant acceptance across the following channels:

• Virtual acceptance: Card-not-present transactions through websites, mobile apps, or other online interfaces. This is typically where a merchant integrates a payment form or redirects to a hosted page and then handles post-payment result checks.

• Mobile acceptance: Acceptance via mobile interfaces or devices. This can be relevant for couriers, field services, or pop-up retail using mobile phones or tablets.

• Physical acceptance: Acceptance at brick-and-mortar or on-site locations using terminals or other certified devices. The exact hardware portfolio and device specifications should be confirmed during onboarding.

Because Parolapara is legally permitted to act as the card-acceptor, merchants can expect the commercial and operational relationship to be directly with Parolapara for these channels.

Integration Options And Developer Experience

Parolapara provides a developer portal and documentation that outline its technical capabilities. From the available material, the following integration features are supported:

• Tokenization: Endpoints are available to obtain tokens that represent sensitive card data. Tokenization reduces the need for merchants to store raw card information and is a common way to limit technical exposure to cardholder data.

• Installments: Documentation references installment acquisition and parameters. Installment acceptance is widely used in Türkiye and may be configurable at transaction time, subject to scheme and issuer support.

• Card-on-file and repeat billing: There are flows for saving a card and making subsequent payments using stored credentials. This is applicable to subscriptions, one-click checkouts, and recurring services.

• Payment result checks: Endpoints for payment and result verification allow your systems to reconcile outcomes programmatically after a redirect or background capture.

• Merchant panel: Parolapara maintains a merchant login portal. While the portal UI is not documentation, merchant panels typically support features like transaction search, basic refunds or voids, settlement views, and user management. Exact capabilities should be reviewed with your account manager.

Pricing, Settlement, And Commercials

Parolapara’s public website does not publish a fee schedule for acquiring as of the latest review. Commission rates, settlement timing, and collateral or reserve requirements are generally determined during onboarding and depend on the merchant’s risk profile, category, and processing volume.

Risk, Security, And Compliance Considerations

Selecting and integrating a PSP is only part of achieving compliance in card-present and card-not-present environments.

• Data protection: Parolapara publishes a consent and privacy framework consistent with Türkiye’s data protection regime. Review the consent, privacy, and information security policies linked from Parolapara’s pages and ensure your own privacy notice and cookie disclosures are aligned with your use of Parolapara services.

• Minimizing exposure to card data: Favor tokenization and avoid storing raw PAN data in merchant systems. Use the provider’s prescribed flows for saving cards and initiating subsequent charges.

• Disputes and chargebacks: Ask for documentation on reason codes, representment processes, cut-off times, evidence requirements, and the expected timeline for fund recovery or loss allocations.

• Operational controls: Confirm fraud-screening capabilities, velocity limits, 3-D Secure usage where applicable, and monitoring tools available through the merchant panel. Validate whether any rule configuration is merchant-controllable or requires provider intervention.

Use Cases And Business Fit

Parolapara’s scope and authorizations suggest a fit for several merchant profiles:

• Online retail and marketplaces requiring card-not-present capture, installments, and card-on-file billing.

• Omnichannel merchants combining e-commerce with store or on-site sales where a single PSP can support both virtual and physical acceptance.

• Subscription and membership services that need repeat billing and token lifecycle management.

• Mobile point-of-service operations where acceptance occurs via handheld devices in the field.

The determining factor will be the commercial terms Parolapara offers for your sector and the exact feature set you need in production.