QPAY

QPAY
Company: QPAY Elektronik Para ve Ödeme Hizmetleri A.Ş.
Employees: 2–10 Employees
Company Size: SMB
Ownership: Subsidiary
Headquarter Country: Turkey
Supported Regions: Middle East
Supported Countries: Turkey
Industry Focus: Ecommerce, Retail
Annual Revenue (USD): 7,600,000
Target Merchant Size: Mid-Market, SMB
Fee Structure: Custom Per Merchant
Supported Currencies: TRY - Turkish Lira
Transaction Types: Card Not Present, Card Present, Payment Links
Compliance: 3D Secure Support, PCI DSS
API Accessibility: Not Accessible
Reporting & Onboarding: Online Merchant Portal

QPAY: Merchant Overview, Products, Integration, and Security

Merchants in Türkiye who want a practical way to accept online and remote card payments can consider QPAY. QPAY is a TCMB-licensed electronic money and payment services company that offers a virtual POS for e-commerce, a mobile POS app, and tools for link-based payments.

What QPAY Is And Who It Serves

QPAY Elektronik Para ve Ödeme Hizmetleri A.Ş. operates under Maher Holding and is supervised by the Central Bank of the Republic of Türkiye. The company is a member of TÖDEB and provides an e-money wallet alongside merchant payment acceptance. For businesses, QPAY provides a virtual POS to take card-not-present payments on websites and marketplaces, plus a mobile POS app for contactless acceptance and payment links. QPAY positions its acquiring service for tax-registered companies that need a single integration to multiple banks and installment options.

Best fit:

  • SMEs launching an online store that need a quick card acceptance setup

  • Marketplaces and multi-seller environments that prefer one integration to many banks

  • Service businesses that use mail order or payment links

  • Merchants that want monthly rate offers and the ability to request special pricing

QPAY Virtual POS: Key Features

QPAY’s virtual POS is designed for e-commerce and mail order workflows and is integrated with more than 10 banks through one connection. That allows merchants to access bank reward programs and competitive bank rates without separate technical work per bank.

Capabilities:

  • Card acceptance: Credit cards, debit cards, and virtual cards.

  • Installments: Customers can view eligible installment counts and rates at checkout; the system checks card limits and executes the transaction accordingly.

  • 3D Secure and SSL: Transactions use 3D Secure verification by the customer’s bank and transport is protected with SSL.

  • PCI DSS-aligned infrastructure: QPAY states its infrastructure follows PCI DSS standards and that policies are regularly reviewed.

  • Mail order support: Configuration supports website integration and mail order needs.

  • Merchant portal: Revenue and transaction details are viewable via management screens provided as part of the service.

  • Single integration to 10+ banks: One setup lets you reach bank programs and favorable rates across multiple banks.

QPAY Mobile POS And Link Payments

QPAY provides a corporate mobile POS application that connects to a merchant’s QPAY corporate wallet. With the app, businesses can:

  • Accept contactless card payments on compatible Android devices.

  • Generate payment links to send to customers for remote card collection.

  • Collect by key-entry where the payer enters card details on a hosted page.

Operationally, merchants must open a corporate account within QPAY and activate the corporate wallet in the portal before using Mobile POS. Public materials indicate monthly rate updates are shared after onboarding, and merchants can request special rates by contacting sales.

Compliance, Security, And Risk Controls

Security and compliance are central to QPAY’s setup:

  • Regulatory oversight: QPAY is licensed and supervised by TCMB and is a member of TÖDEB. Corporate registry details, tax information, KEP address, and oversight references are provided on the company’s legal page.

  • PCI DSS: QPAY states that its virtual POS infrastructure is compliant with PCI DSS standards and uses SSL during transmission.

  • Card storage: For wallet card-on-file, QPAY explains that cards are stored using Payten infrastructure with PCI DSS security.

  • 3D Secure: Transactions can use bank-side SMS or similar step-up methods, aligning with strong customer authentication practices in Türkiye.

Merchants should still implement their own data protection and security practices on their websites and apps, including TLS, secure coding, and appropriate fraud monitoring.

Supported Payment Methods And Customer Experience

QPAY materials confirm acceptance of both credit and debit cards, as well as virtual cards. During checkout with virtual POS, the customer can see the available installment options and rates for the card. The transaction then proceeds if the card limit and other controls permit.

For remote payments, payment links can be generated and shared with customers. For proximity payments, the Mobile POS app allows contactless acceptance on supported devices. QPAY’s documentation also references an acceptance network for QPAY wallet payments at a large number of points of service, but for merchant acquiring decisions it is more relevant to confirm how your specific store will present card or link-based payment flows.

Integration Model And Developer Experience

QPAY’s approach for virtual POS is to provide integration documentation upon approval. This is common in Türkiye where acquirer connections and installment logic vary by bank. The benefit of QPAY’s approach is that you integrate once and reach 10+ banks, rather than building bespoke connectors. Mail order flows can be enabled where applicable. For mobile POS and link payments, the merchant uses QPAY’s corporate wallet and portal to configure and manage payment channels.

Reporting And Operations

QPAY indicates that merchants can track the details of all revenue generated through QPAY POS via management screens provided with the service. Because settlement timing, reconciliation file formats, and payout currencies are not listed publicly, merchants should request this information during contracting and confirm:

  • Settlement calendar and cut-off times

  • Payment file formats and availability of transaction exports

  • Dispute and chargeback procedures

  • Refund flows, including partial and installment refunds

Why Merchants Consider QPAY

  • Single integration to reach multiple banks and bank programs

  • Installments surfaced to the customer at checkout

  • Security posture that references PCI DSS and 3D Secure

  • Operational clarity through a portal and named support channels

  • Mobile POS and links for flexible acceptance beyond the website

Merchants that prioritize a multi-bank setup with local installment logic may find QPAY suitable, provided that commercial terms and operational specifics align with their industry and risk profile.

QPAY: Frequently Asked Questions (FAQs)

What is QPAY and how does it help merchants?

QPAY is a Türkiye-based electronic money and payment services provider that offers a virtual POS for e-commerce, a mobile POS app, and link-based payments so businesses can accept card-not-present and contactless payments with one provider.

Who is eligible to apply for QPAY Virtual POS?

Tax-registered businesses in Türkiye can apply for QPAY Virtual POS. QPAY targets SMEs, marketplaces, and service businesses that need online, mail order, or link-based card acceptance.

Which payment methods does QPAY accept?

QPAY supports credit, debit, and virtual cards for online payments. Contactless acceptance is available via the QPAY Mobile POS app on compatible devices.

Does QPAY support installments?

Yes. QPAY surfaces eligible installment options at checkout. The transaction proceeds if the customer’s card limit and bank rules allow the selected installment plan.

Does QPAY use 3D Secure and is it PCI DSS aligned?

Yes. QPAY uses 3D Secure through issuing banks and protects data in transit with SSL. QPAY states that its infrastructure aligns with PCI DSS requirements.

Is there a single integration to multiple banks?

Yes. QPAY provides one integration that reaches more than 10 banks, enabling access to bank programs and rates without separate technical work per bank.

What is QPAY Mobile POS and does it support payment links?

QPAY Mobile POS is a corporate app connected to the merchant’s QPAY wallet for contactless acceptance. Merchants can also generate payment links to collect remote card payments.

Where can I find pricing and are there setup or annual fees?

Public fixed rates for merchant acquiring are not listed. QPAY shares rates after onboarding and by monthly updates, and merchants can request special offers. QPAY indicates that it does not charge a setup service fee, an annual virtual POS membership service fee, or require a turnover commitment.

How do I start onboarding and which documents are required?

Create a user in the QPAY portal, complete the application, and upload required legal and tax documents such as trade registry or chamber records, signature circulars, tax certificate, and ID details. Sector-specific documents may be requested.

Are settlement schedules and currencies published?

No. Settlement timing, reconciliation file formats, and payout currencies are not published on public pages. Merchants should confirm these during contracting.

When are integration documents provided?

Technical integration documents are provided after your application is approved. QPAY lists dedicated contacts for technical and commercial questions.

How can I contact QPAY support?

For technical questions use pfsupport@qpay.com.tr. For commercial questions use satis@qpay.com.tr. You can also use the call center at +90 216 285 77 29.

What reporting is available in the merchant portal?

Merchants can view revenue and transaction details through QPAY’s management screens. You should also confirm refund, chargeback, and export options during onboarding.

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