Paybyme

Paybyme Overview

Paybyme is a payment service provider that offers acquiring and collection solutions for online and in-person commerce. According to its official materials, Paybyme is a brand of Klon Ödeme Kuruluşu A.Ş. and provides products such as Virtual POS for ecommerce, Physical POS for card-present payments, subscription billing with card storage, mobile operator billing, and a dealer collection platform. Paybyme emphasizes a single API, PCI DSS compliant infrastructure, and support for 3D Secure.

Key Facts At A Glance

• Brand owner: Klon Ödeme Kuruluşu A.Ş.

• Product lines: Virtual POS, Physical POS, subscription billing, mobile operator billing, alternative payment options, dealer and distributor collections platform

• Security and risk: PCI DSS compliant infrastructure, 3D Secure, 128-bit SSL, real-time risk controls described in product pages

• Settlement and payouts: materials reference next-day settlement for Virtual POS

• Pricing visibility: site highlights no setup, no annual and no technical support fees, and shows time-limited starting commission offers; full fee schedules are provided upon application

• Integration: single API and a control panel to manage payments, refunds and reporting

Paybyme Products And Capabilities

Virtual POS for Online Payments

Paybyme’s Virtual POS is designed for websites and apps to accept card payments. Merchant materials describe:

• Installments up to 18 months for eligible transactions

• Next-day payout language for card takings

• Refunds and voids from a single dashboard without logging into bank portals

• “All banks, one agreement, one rate” positioning to simplify routing across acquiring connections

• PCI DSS compliant infrastructure that enables secure card data storage for recurring or scheduled charges

• 3D Secure support and messaging about improved approval rates

These points target merchants that want to consolidate Turkish acquiring connections and offer installments alongside standard ecommerce acceptance.

Physical POS

For in-store payments, Paybyme lists a Physical POS offering aimed at lowering total cost of acceptance. Highlights include:

• “Very competitive commission rates” messaging

• No maintenance or device fees shown in marketing copy

• Access to past transactions and the ability to reprint receipts directly on the terminal

This product suits merchants that need countertop or portable devices with minimal overhead and a unified back office.

Subscriptions And Card-On-File

The Subscriptions section explains how merchants can run recurring billing without custom code:

• Create billing plans and manage subscribers from a central dashboard

• Store customer card data on Paybyme’s PCI DSS compliant infrastructure rather than on your own servers

• Start with well-known payment methods and adjust plans without re-integration

This is geared to SaaS, memberships, and services with repeat charges.

Mobile Operator Billing And Alternative Payment Methods

Paybyme promotes mobile operator billing in many markets:

• Direct carrier billing with stated reach of more than 150 operators in about 40 countries

• Positioning as an option beyond cards to expand conversion and coverage

The broader “Alternative Payments” messaging covers link-based payments and recurring options. Merchants seeking to complement cards with local or operator-driven methods may find this relevant.

Dealer And Distributor Collections Platform

For businesses with reseller networks, the Tahsildar platform offers:

• Online collection from dealers and sub-dealers, including email payment links

• Multi-language interfaces for both the payment page and admin panel

• Ability to accept payments in USD and EUR alongside local currency

• Options to collect on account using a customer’s saved card

• Order capture from dealers with discounts configurable at product, category, or dealer level

• Mobile collections without carrying a traditional POS device

This tool is positioned for manufacturers and wholesalers that need to manage receivables and orders across tiers.

Integration And Developer Experience

Paybyme promotes a single API that exposes its payment methods and services without extra integrations for each new feature. The site describes:

• One integration for cards, subscriptions, mobile operator billing, and alternatives

• Ongoing improvements to the platform without requiring additional merchant updates

• A control panel for reporting, refunds, installment configuration, and subscription management

• Technical support during integration

Security, Compliance, And Risk Controls

Paybyme’s security statements include:

• PCI DSS compliant infrastructure, which allows card storage for recurring and scheduled payments

• 3D Secure for cardholder authentication

• 128-bit SSL encryption for payment flows

• Real-time risk management elements aimed at improving approval and reducing fraud

For regulated status, Paybyme’s pages label the brand as part of Klon Ödeme Kuruluşu A.Ş. and include a “Yetkili Kuruluş” link to the Central Bank of the Republic of Türkiye.

Pricing, Fees, And Settlement

The homepage lists time-limited offers that begin at specified percentages for Virtual POS and entrepreneurship packages. Additional messages emphasize:

• No setup fee

• No annual fee

• No technical support fee

• No hidden fees

Because final pricing is typically tailored, merchants should expect a bespoke proposal after application and underwriting. The Virtual POS page references next-day payouts. Value dates, interchange components, installment costs, and cross-border markups are not fully published and should be confirmed in the commercial offer.

Reporting, Operations, And Support

From the merchant portal and product pages, Paybyme indicates:

• Dashboard access to track transactions and print receipts

• Single-screen refunds and voids for card payments

• Reporting that covers sales, refunds, and operational analytics

• Customer support during and after integration, with local service teams

For businesses that need end-to-end store management, Paybyme also offers NarPOS, a POS and back-office suite for restaurants and retail that integrates reporting, multi-branch controls, stock management, and day-end routines.

Onboarding And Documentation Requirements

The Virtual POS FAQ lists typical information requested during application, including:

• Tax identification documents

• Trade registry gazette

• Signature circulars

Merchants complete an online application form and may be contacted by the sales team, or they can email the address indicated on Paybyme’s products pages. Exact underwriting requirements can vary by business type and scope of services.

Who Paybyme Fits Best

• Ecommerce sites that need installments and next-day settlement: Virtual POS highlights installment support up to 18 months and next-day payouts, which is relevant for Turkey-focused sellers that use bank installment programs.

• Retailers wanting to reduce device and maintenance costs: The Physical POS messaging focuses on competitive commissions and no maintenance or device fees.

• Subscription businesses: Card-on-file storage and plan management without custom PCI scope make recurring billing simpler.

• Manufacturers and distributors with dealer networks: The Tahsildar platform consolidates collections and order capture across dealers and sub-dealers, including link payments and multi-currency options.

• Merchants expanding beyond cards: Mobile operator billing and alternative payment options address customer segments with low card penetration.