Tosla

Tosla
Company: Aköde Elektronik Para ve Ödeme Hizmetleri A.Ş.
Employees: 11–50 Employees
Company Size: SMB
Ownership: Subsidiary
Headquarter Country: Turkey
Year Established: 2019
Supported Regions: Middle East
Supported Countries: Turkey
Industry Focus: Ecommerce, Retail
Annual Revenue (USD): 1,900,000
Target Merchant Size: Enterprise, Mid-Market, SMB, Startup
Setup Fee (USD): 0.00
Monthly Fee (USD): 0.00
Transaction Fee (USD/%): From 1.09% (custom per merchant)
Fee Structure: Custom Per Merchant
Supported Currencies: TRY - Turkish Lira
Transaction Types: Buy Now, Pay Later, Card Not Present, Card Present, Payment Links, POS Terminal
Supported Payment Methods: Advantage, Axess, Bankkart, Bonus (Turkey), CardFinans, Mastercard, Maximum (Turkey), Paraf, Troy, Visa
Compliance: 3D Secure Support, PCI DSS
Risk Management: Chargeback Management, Fraud Prevention
Developer & Integration: Hosted Payment Page, Plugins, Web Services API
SDK Support: PHP SDK
API Accessibility: Public
Reporting & Onboarding: Online Merchant Portal
Third-Party Integrations: OpenCart, PrestaShop, WooCommerce

Tosla Overview for Merchants

Tosla is a Turkey-based payment platform that provides card acceptance and checkout solutions for online and in-person sales. Through Tosla İşim, merchants can set up Virtual POS, accept remote payments over secure payment links, connect a compatible cash-register POS, and offer consumer financing at checkout via a credit gateway. Tosla focuses on fast digital onboarding, consolidated reporting, and next-day settlement options.

Key Takeaways

  • Products: Virtual POS, Link-based Payments, Cash Register POS integration, and a Credit Payment Gateway.

  • Onboarding: 100% digital application, with document upload and merchant support.

  • Pricing approach: Commission rates starting from a published from level for certain payout conditions; no monthly or annual rental fee for Virtual POS and Link-based Payments; no per-transaction add-on fee is advertised.

  • Settlement: Next-day payment option under defined working conditions.

  • Card programs and installments: Installment options with participating Turkish card programs through a single agreement and integration.

  • Security: PCI DSS-aligned controls and fraud screening referenced in Tosla’s product pages.

  • Support: Merchant support and integration assistance, plus sales tracking and reporting within the Tosla İşim platform.

Tosla Products for Businesses

Virtual POS

Tosla’s Virtual POS lets you accept payments from debit and credit cards on your ecommerce site through a single integration. Core capabilities include:

  • Acceptance of major debit and credit cards

  • Single agreement and integration to simplify setup

  • 24/7 payment acceptance

  • Installment support for participating Turkish card programs

  • Next-day settlement option

  • Sales tracking and analytics reporting within the Tosla İşim dashboard

  • Contact center support for merchants

This product targets ecommerce and invoice-style checkout experiences where you maintain your own storefront or platform and connect Tosla as the processor for card transactions.

Link-Based Payments

If you sell remotely without a website or want an additional channel for quick collections, Tosla’s Link ile Ödeme enables you to:

  • Create customized payment links without a website or technical integration

  • Share the link over the channels you already use with customers

  • Accept card payments securely through the hosted checkout

  • Track sales and generate analytics in Tosla İşim

  • Access merchant support via Tosla’s service channels

This is useful for social commerce, remote invoices, phone orders, and service businesses that need a lightweight payment flow.

Cash Register POS Integration

Tosla supports in-person card acceptance by integrating with compatible cash-register POS devices. Notable elements are:

  • Integration with the Hugin Tiger T-300 cash-register POS

  • Fully digital application for onboarding

  • Single agreement enabling installments with participating card programs (Axess, Bonus, World, Paraf, CardFinans, Advantage)

  • Option for merchants who do not already have a device to purchase a compatible Hugin POS and get a fast setup

  • Option for merchants who already own compatible Hugin devices to apply and connect

This setup is designed for physical retailers and hospitality merchants that require a fiscal cash register and card acceptance in one device, aligned with local requirements.

Credit Payment Gateway

At checkout, Tosla’s Kredi ile Ödeme Geçidi gives customers a financing alternative:

  • Single integration for presenting credit offers during checkout

  • Customers can compare offers from a chosen bank or finance company, including installment terms and total cost

  • Terms up to 36 months may be available depending on the provider and product

  • Next-day settlement option for the merchant

  • Unified reporting and support via Tosla İşim

This is oriented toward higher-ticket purchases where flexible financing can increase conversion.

Onboarding and Integration

Tosla emphasizes a 100% digital application:

  • Apply online: Start from the Tosla İşim pages and complete the application digitally.

  • Document upload: Provide required documents via the online application; Tosla reviews and responds via SMS and email.

  • Integration support: For Virtual POS, Tosla provides test and go-live guidance via support channels, including API integration FAQs and a dedicated support email.

  • Go-live readiness: After completing test steps and receiving production credentials, you can process live payments.

  • Unified merchant portal: Tosla İşim centralizes transaction reporting, settlements, and analytics across products.

For platforms and ecommerce engines, Tosla partners and ecosystem pages indicate connectors and solution-provider collaborations that can speed up integration. If you use a compatible partner, check whether a prebuilt module exists to reduce development work.

Installments and Card Programs

Tosla highlights installment acceptance through a single agreement and integration for participating Turkish card programs. The Cash Register POS path lists Axess, Bonus, World, Paraf, CardFinans, and Advantage as supported programs. For ecommerce via Virtual POS, Tosla also references installment availability for eligible cards. The specifics of installment terms, merchant fees, and card program eligibility depend on your MCC, agreement, and campaign terms.

Security and Compliance

Tosla references key security controls across product pages and FAQs:

  • PCI DSS: Tosla notes PCI DSS alignment, which is the global payment card data security standard.

  • Fraud controls: Tosla mentions advanced fraud checks as part of its risk management and security.

  • 24/7 secure payments: Virtual POS and Link-based Payments highlight always-on, secure transaction processing.

  • Hosted flows: For Link-based Payments, checkout is hosted, reducing your surface area for cardholder data exposure.

Merchants remain responsible for their own PCI responsibilities based on implementation.

Reporting, Analytics, and Support

Within Tosla İşim, merchants can:

  • Track sales across products in a single portal

  • Analyze performance with reporting tools

  • Manage refunds and cancellations with the standard card flow

  • Access support through the contact center and merchant support email

These features aim to reduce operational overhead by consolidating daily reconciliation and exception handling.

Who Tosla Is Best For

  • SMBs launching online quickly: The combination of Virtual POS and Link-based Payments supports both full ecommerce and lightweight remote collections without a site.

  • Merchants needing installments: Tosla’s single-agreement installment approach across participating card programs is attractive for electronics, furniture, and other higher-ticket verticals.

  • Omnichannel sellers: Businesses that also need fiscal cash-register POS can integrate supported Hugin devices for in-store acceptance.

  • Merchants seeking financing at checkout: The Credit Payment Gateway adds a financing option that can improve conversion and average order value.

Conclusion

Tosla provides a practical bundle of payment products for Turkey-based merchants who want fast digital onboarding, installments via a single agreement, and next-day settlement options. Virtual POS and Link-based Payments cover online and remote acceptance without monthly or annual rental fees, while Cash Register POS connects in-store sales to the same reporting layer. For bigger baskets, the Credit Payment Gateway adds financing at checkout. If your priorities include rapid setup, installments, and unified reporting under one portal, Tosla İşim is a focused option to evaluate alongside your existing stack and operational needs.

Tosla: Frequently Asked Questions (FAQs)

What payment products does Tosla offer for businesses?

Tosla provides Virtual POS for ecommerce, Link-based Payments for remote collections, Cash Register POS integration compatible with the Hugin Tiger T-300, and a Credit Payment Gateway that presents financing options at checkout.

How do I apply to Tosla İşim and integrate?

You complete a 100% digital application on Tosla’s site, upload the required documents, receive test credentials, finish test steps, and go live. Transactions, settlements, and analytics are managed in the Tosla İşim portal.

Does Tosla support installments?

Yes. Tosla supports installments via a single agreement and integration for participating Turkish card programs such as Axess, Bonus, World, Paraf, CardFinans, and Advantage. Availability and terms depend on your merchant category and agreement.

What are Tosla’s pricing basics?

Tosla communicates commission rates that start from a published level for certain payout conditions. For Virtual POS and Link-based Payments there are no monthly or annual rental fees. The Cash Register POS path may involve an appropriate monthly fee. Final pricing depends on your agreement and working conditions.

When are settlements paid?

Tosla offers a next-day settlement option under defined working conditions. Confirm any holdbacks, blocked funds, or campaign-specific terms in your merchant agreement.

Does Tosla support payment links without a website?

Yes. Link ile Ödeme lets you create and share secure payment links without a website or technical integration, and track results in Tosla İşim.

Which devices are compatible for in-person acceptance?

Tosla’s Cash Register POS integrates with the Hugin Tiger T-300. Merchants who do not own a compatible device can purchase a supported Hugin model, while existing owners can apply and connect.

Is Tosla PCI compliant and what fraud tools are available?

Tosla references PCI DSS–aligned controls and advanced fraud screening across its product pages. Your PCI responsibilities depend on your integration model, so review Tosla’s guidance and follow the applicable PCI requirements for your setup.

What reporting and support does Tosla provide?

The Tosla İşim portal offers sales tracking, analytics, and standard refund and cancellation workflows. Merchant assistance is available via the contact center and support email.

Who is Tosla a good fit for?

Tosla suits SMBs launching online quickly, merchants that require installments, omnichannel sellers who need fiscal cash-register POS, and businesses that want to offer financing at checkout through a credit payment gateway.

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