Rubikpara

Rubikpara Overview

Rubikpara is a Turkey-based payment institution that provides card acceptance and collection tools for merchants across e-commerce and in-person channels. According to its official materials, Rubikpara offers Virtual POS for online payments, a hosted payment page for quick checkout without custom development, payment links for remote collection, Android-based physical POS terminals, and a SoftPOS app for NFC tap-to-phone acceptance. Rubikpara highlights next-day settlement to merchant accounts and support for selling in foreign currency. The company states that it holds a Central Bank of Turkey license under Law 6493 and that its platform is PCI DSS certified. Rubikpara also advertises integration with nine card program families and installment options.

What Rubikpara Offers To Merchants

Rubikpara positions itself as a single integration across several payment touchpoints. Its product pages indicate consistent access to reporting, refunds and cancellations, and installment management via a merchant panel.

Virtual POS for E-Commerce

Rubikpara’s Sanal POS is designed for online acceptance with either one-time or installment payments across nine card families. The product page references low commission rates and explicitly promotes three fee elements as not charged: no separate per-transaction fee, no membership fee, and no hidden fees. The same page repeatedly emphasizes that merchants can begin processing after a simple application and that payments can be settled to the merchant’s bank account the next day. Rubikpara also mentions “döviz ile satış” that allows pricing in foreign currency.

Key points from the Virtual POS page:

• Online card acceptance with installments across nine card families

• Advertised commission from 1.99 percent

• No separate transaction fee, no membership fee, and no hidden charges stated

• Next-day settlement wording appears in multiple site locations

• Many prebuilt integrations and an official developer portal are linked from the product page

Hosted Payment Page

Under “Ortak Ödeme Sayfası,” Rubikpara provides a hosted checkout that merchants can use without an e-commerce site. It notes a customizable payment page under Rubikpara’s security controls, installment support across nine card families, and an option for secure card storage to facilitate recurring or repeat charges.

Use cases:

• Fast go-live when a full storefront is not ready

• Regular billing via stored cards

• Checkout embedded via redirect or link from a site or invoice

Payment Links

Rubikpara’s “Link ile Ödeme” enables remote payment collection by creating a link that merchants can share across digital channels. The page notes that merchants can set one-time or installment options, see sales and transaction reports in the panel, and process cancellations or refunds. It also highlights 24/7 acceptance and mentions that iOS or Android phones can be used as a POS for on-the-go collection scenarios.

Physical POS

Rubikpara lists an Android mobile terminal, the Pavo N86, as its physical POS option. The page describes a single device accepting all banks, installment capability, QR or PIN collection, and the ability to accept payments in foreign currency. It lists device attributes such as Android OS, integrated printer, contactless interface, and certification notations for payment security on the device. The POS section also states there is no inactivity fee, no turnover conditions, and no usage commitment.

SoftPOS Tap-to-Phone

Rubikpara’s SoftPOS turns an Android phone with NFC into a payment terminal. The feature list includes acceptance without additional hardware, 24/7 processing, and installments across the same nine card families. The page emphasizes that there is no separate usage fee for the app itself, along with the standard merchant panel reporting features.

Dealer Collections

For businesses with dealer or franchise networks, the “Bayi Tahsilatı” page outlines online collection from sub-dealers using open banking account views, batch payments, and DBS-style dealer workflows. It also references detailed financial reporting, automated collection, and grouping and reconciliation tools.

Pricing And Settlement

Rubikpara advertises commission from 1.99 percent on its Virtual POS page and the site homepage. In addition, it explicitly states three items are not charged: no separate per-transaction processing fee, no membership fee, and no hidden fees. The FAQ reiterates that detailed commercial terms are available on request and states that no extra fee is applied to successful transactions beyond the commission.

Security, Compliance, And Risk Controls

Rubikpara’s “Hakkımızda” and corporate governance pages state that it is a licensed payment institution under Law 6493 with authorization by the Central Bank of Turkey and that the platform is PCI DSS certified. The FAQ confirms 3D Secure authentication support for transactions. Across several product pages, Rubikpara also references fraud-resistant infrastructure and a micro-services architecture that aims to mitigate card fraud and similar malicious activity.

Highlights:

• Licensed payment institution under Turkish Law 6493

• PCI DSS certification stated on site

• 3D Secure for transaction authentication

• Device and terminal security for the physical POS are listed on the product page

Integration, Developer Resources, And Reporting

The Virtual POS page links to a developer portal and mentions many ready-made e-commerce integrations. While the site does not publish public API specifications on the marketing pages, it signals availability of documentation through the Developer Portal. Product pages repeatedly reference a merchant panel for access to transaction lists, sales reports, refunds, cancellations, and settlement visibility.

Implementation options summarized from the site:

• One integration across nine card families and installment logic

• Hosted payment page for quick checkout without custom code

• Payment links for remote or social-channel sales

• Physical POS and SoftPOS for in-person acceptance

• Reporting and reconciliation in a consolidated panel

Supported Payment Features

Rubikpara’s pages consistently state acceptance across nine card families, with installment support on those programs. Refunds and cancellations can be performed from the merchant panel. The site indicates support for foreign currency sales. Contact information and operational hours are published on the homepage, including a weekday call center window of 09:00 to 18:00 and the Istanbul office address. The FAQ confirms that the same Virtual POS can be used across multiple websites under the same company without separate contracts.

Who Rubikpara May Suit

Based on the official materials, Rubikpara appears suited to:

• Start-ups and SMEs that need to accept cards online with minimum initial setup

• Social sellers and service providers who prefer link-based or hosted-page collection instead of building a full checkout

• Field sales teams that benefit from SoftPOS tap-to-phone and mobile POS

• Multi-branch or dealer networks that require centralized oversight of sub-dealer collections and open banking visibility

• Merchants needing installment options across Turkish card programs and those pricing in foreign currency

Conclusion

Rubikpara is a licensed Turkish payment institution that offers a consolidated suite of acceptance tools across e-commerce, hosted checkout, payment links, physical terminals, and SoftPOS. The official site emphasizes next-day settlement, integration with nine card families and installment support, the ability to sell in foreign currency, and a fee structure advertised from 1.99 percent without add-on per-transaction or membership fees. Security and compliance are presented through PCI DSS certification and 3D Secure. For merchants evaluating providers in Turkey, Rubikpara’s combination of multiple channels and a single reporting panel can reduce integration work.