PayTR

PayTR: Overview For Merchants

PayTR is a Turkey-based payment and electronic money institution that provides online and in-person payment solutions for merchants.

Key Takeaways

• PayTR offers card-not-present acceptance via Virtual POS, Payment Links, Subscriptions, and Marketplace Solution, plus card-present options such as NeoPOS, Mobile POS, and Physical POS.

• Official documentation highlights real-time fraud monitoring, PCI DSS compliance, and regulation by the Central Bank of Turkey under Law No. 6493.

• Integration choices include iFrame API, Direct API, and Link API, with ready-made modules for popular platforms.

• Currencies exposed in developer docs include TL, USD, EUR, GBP, and RUB.

• Installments for domestic cards are supported where applicable.

• Next-day settlement for Virtual POS is stated in product materials.

• Reporting, reconciliation, and marketplace split-payment flows are documented in the developer center.

What Is PayTR

PayTR operates as a licensed electronic money and payment services institution in Turkey. Its product set targets both e-commerce and physical points of sale, with a single provider covering online, mobile, and store environments. The company positions itself as providing a unified infrastructure for cards, bank transfer style payments, and select alternative methods such as mobile operator billing.

Core Products

Online Payment Solutions

• Virtual POS: Card acceptance for e-commerce sites with fast onboarding. Product pages indicate next-day payouts and support for both one-shot and installment transactions on domestic debit and credit cards. This option is the foundation for many other features, including pre-authorization.

• Payment Links: Link-based checkout for remote payments without a website. Merchants generate a one-time or reusable link and accept payment through PayTR’s hosted flow.

• Subscription Method: Card-on-file and recurring billing. The product page and developer documentation describe storing customer card details securely, then submitting subsequent charges at merchant-defined intervals and amounts. The page notes acceptance of foreign cards for one-shot payments in foreign currency and domestic installment options for Turkish cards.

• Marketplace Solution: Split payments and platform funds flow. Documentation explains how PayTR processes a buyer’s payment, then disburses the product or service amount to the seller and commissions to the marketplace according to configurable preferences. Installments for major domestic card brands are referenced, alongside wire transfer and other alternative options where configured.

• Pre-Authorization: Holds on card funds for sectors such as car rental or travel. FAQs describe single-payment only, typical bank windows for closing the hold, and support for 3D and non-3D flows depending on the bank.

Physical Payment Solutions

• NeoPOS (SoftPOS): Contactless acceptance on NFC-enabled Android smartphones or tablets. This converts compatible Android devices into a POS for in-store or delivery acceptance.

• Mobile POS: Mobile acceptance on Android and iOS devices, including support for installments on credit cards and keyed card-not-present collections where allowed.

• Physical POS: Traditional countertop device for face-to-face transactions, positioned for single or installment payments from all cards via a single contract.

Alternative Payment Solutions

• Wire Transfer or ACH Tracking: Hosted flows and operational tooling for bank transfer payments, consolidating remittance tracking across banks inside the merchant panel.

• Mobile Operator Payment: Carrier billing through Turkcell, Vodafone, and Türk Telekom. The customer charge is reflected on the mobile bill or deducted from prepaid balances, removing the need for a card.

• Card-on-File Registry: Secure card storage to streamline repeat payments and one-click checkout within the PayTR environment.

Payment Methods And Currencies

• Card Payments: PayTR’s online stack centers on card acceptance for debit and credit. Installments are available for domestic cards where supported by acquiring partners.

• Non-Card Options: Wire transfer style payments are supported via a dedicated iFrame flow and tracking service. Mobile operator billing is available through listed GSM operators.

• Currencies: Developer documentation for callback payloads enumerates currency codes TL, USD, EUR, and GBP. Product pages also note the ability to accept foreign cards in one-shot and foreign currency for specific flows.

Integration Options

• iFrame API: The merchant requests an iframe_token from PayTR and embeds a secure hosted payment form using the provided iFrame source. PayTR posts the payment result to a merchant callback URL, and the merchant must return a plain text confirmation to complete the flow.

• Direct API: Merchants host their own payment form and handle token generation, security, and the full payment workflow. PayTR’s docs emphasize that security and testing are under the store’s control and that PayTR may approve or reject use of this method.

• Link API: Endpoints for creating and managing payment links, with optional callbacks and optional SMS or email delivery. Callback payloads include fields such as payment_type to indicate card or transfer.

• Pre-Authorization and Additional Services: The developer center documents pre-provisioning flows, installment rate queries, card storage APIs for recurring payments, and reporting endpoints. Postman collections and module guides are provided to speed up testing and integration.

• Ready-Made Modules: The integrations hub links to resources for widely used platforms in Turkey and globally, including WooCommerce, OpenCart, PrestaShop, Magento, WHMCS, and others. The site positions these as off-the-shelf or open resources maintained alongside PayTR’s developer documentation.

Security, Compliance, And Risk

• Regulatory Status: PayTR states that it is licensed under Law No. 6493 and regulated by the Central Bank of Turkey. This status appears consistently in site footers and policy pages.

• PCI DSS: PayTR’s security page and policy pages state PCI DSS compliance and SSL-secured payment pages. The company publishes an information security policy and undertakings related to PCI DSS responsibilities.

• Authentication: Product pages reference 3D and non-3D support in pre-authorization contexts, subject to acquiring bank capabilities. Separate identity verification content explains remote KYC processes aligned with Turkish regulations updated in December 2024.

• Fraud Controls: The site describes a real-time fraud monitoring layer marketed as a dynamic system that tracks transactions and cancels suspicious activity. While specific rules are not detailed publicly, the positioning is consistent with proactive risk screening of online transactions.

Settlement, Payouts, Reporting, And Reconciliation

• Settlement Timing: Virtual POS materials describe next-day payout to merchant bank accounts, enabling faster cash flow for e-commerce.

• Statements And Reports: The developer center documents payment statements for both standard merchants and marketplaces. Reports expose transferred and to-be-transferred amounts for a given date range, supporting reconciliation and financial close.

• Marketplace Transfers: Platform transfer documentation outlines how PayTR allocates funds between marketplace and sellers, with transfers triggered according to marketplace preferences. This supports typical split-payment and payout orchestration scenarios found in platform businesses.

Developer Experience

• Documentation: The English developer portal covers iFrame, Direct, Link, card storage, installment rate queries, reporting, and pre-authorization. Code snippets show token generation, iFrame embedding, and callback handling requirements.

• Testing Tools: PayTR provides a Postman collection and environment details. Merchant credentials, keys, and salts are managed through the merchant panel, and documentation reiterates secure handling practices.

• Platform Modules: Installation notes for major e-commerce platforms include configurable options such as installment settings, payment method ordering, and whether to display installment tables during checkout.

Conclusion

PayTR is oriented toward merchants selling in Turkey and platforms that require domestic installments, marketplace funds flow, and a mix of online and physical acceptance. Merchants that need card-on-file subscriptions, quick remote collection through payment links, or mobile operator billing can implement these features using documented APIs and product options.