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Payments in Türkiye and abroad, in one store.

If your store is in Türkiye, connect your bank's virtual POS or accept every card through a single agreement, and offer PayPal to customers abroad. If your store is in Germany, you offer PayPal and bank transfer today, with more payment methods coming soon.

At a glance

  • 15 banks

    Virtual POS integration

  • 5 payment service providers

    Tami, PayTR, iyzico, Param, Tosla

  • Installment tables

    By card family, with your own rates

  • Store in Germany

    PayPal and bank transfer, more coming soon

Payments by store country

Store in Türkiye

Cards through your bank's virtual POS or a payment service provider, with installments; bank transfer and cash on delivery; PayPal and cards for customers abroad.

Bank virtual POS

Direct agreement with your bank

15 banks
  • Akbank
  • Garanti BBVA
  • İş Bankası
  • Yapı Kredi
  • VakıfBank
  • Ziraat Bankası
  • Halkbank
  • QNB Finansbank
  • DenizBank
  • TEB
  • Şekerbank
  • Albaraka Türk
  • Kuveyt Türk
  • Vakıf Katılım
  • Ziraat Katılım

Payment service providers

Every card with one agreement

5 providers
  • Tami
  • PayTR
  • iyzico
  • Param
  • Tosla

PayPal is added as a separate payment method and collects payment in the currency the customer sees.

Two options, one store

Work directly with your bank, or accept every card through one agreement

Both types of setup run side by side in the same store. With your bank's virtual POS, you negotiate the commission with the bank yourself; with a payment service provider, a single agreement lets you accept cards from every bank.

  • Installment rates by card family on bank POS (Bonus, World, Maximum and others)
  • One shared installment table for all cards with Tami, PayTR and iyzico
  • Turn on both and let the system pick the right one for every order
  • Set your own commission, the rate passed on to the customer and the minimum cart per installment row
The checkout step your customer sees
Smart routing

The system decides which POS each card goes through

Your customer only chooses a card and an installment plan; the best POS is found in the background.

  1. 1

    The card is recognized

    As soon as the first digits of the card number are entered, the bank and card family are identified, and the installment options available for that card are listed.

  2. 2

    The best POS is selected

    For the chosen installment plan, the system looks first for the best rate for the customer, then for the lowest commission for your store.

  3. 3

    The payment is verified

    A payment taken with 3D Secure is recorded on the order once the bank's response has been verified.

Debit, prepaid and foreign cards are charged as a single payment, whichever card infrastructure you use. If a card is declined, the customer can try again or switch to another method.

Other methods3 methods

Don't lose customers who don't pay by card

Each method can be turned on or off per delivery country; cash on delivery is only offered in Türkiye. Foreign cards are charged as a single payment.

Bank transfer

Add your bank accounts and, if you like, give a percentage discount to customers who pay by bank transfer.

  • Payment reminder (24 hours by default)
  • Unpaid orders are canceled automatically (72 hours by default)
  • Upload your bank statement and approve matching payments in one click

Cash on delivery

Add a surcharge if you like, and see every order that is on its way but not yet paid for in one list.

  • The surcharge is added to the order automatically
  • Mark orders as "collected" in bulk
  • Only for deliveries within Türkiye

PayPal

Get paid by customers abroad in the currency they see on your site.

  • You choose the countries where it's offered
  • Refunds go through PayPal automatically
  • A notification in the panel if a dispute is opened
Payments by store country

Store in Germany

Today a store in Germany offers PayPal and bank transfer; more payment methods are coming soon.

  • PayPal

    Payment in the currency the customer sees; refunds and disputes are tracked automatically.

  • Bank transfer

    Set a discount; unpaid orders get a reminder and are cancelled automatically.

  • New international payment methods

    Coming soon

    New payment methods are being prepared for stores in Germany.

Payments

Recent transactions

Export to Excel
  • 2026-000412 · Garanti BBVA POS, Bonus, 3 installments

    Oct 24, 14:12 · commission 2.6%

    2.499,00 ₺

    Paid
  • 2026-000410 · PayPal

    Oct 24, 11:05 · EUR

    189,90 €

    Paid
  • 2026-000409 · Bank transfer

    Oct 24, 10:27 · matched with statement

    749,00 ₺

    Reconciled
  • 2026-000405 · Refund, card

    Oct 23, 15:48 · automatic via bank

    -899,00 ₺

    Refunded

2.4%

Average commission

68%

Share paid in installments

3

Awaiting reconciliation

Payments screen

Track every payment and refund in one ledger

Which order went through which POS, with which card family, in how many installments and at what commission: it's all in one list. Filter it and export it to Excel.

  • Automatic refunds: through the bank for cards, through PayPal for PayPal
  • Bank transfer reconciliation: upload your statement, approve the matches in bulk, and the customer gets an email
  • Payments report: total commission broken down by POS, card family and installments
Security

For card payments, card details never stay with you and every payment is taken securely

For card payments, payment details go to the bank and are never stored in your store. The system keeps test and live settings apart and never touches an order before verifying the bank's response.

Card numbers are never stored

Card numbers and CVV codes are never written anywhere, and they are masked in provider logs too.

3D Secure

Every card payment goes through the bank's verification.

Test mode warning

If a POS on your live store has been left in test mode, the dashboard warns you; real cards are never sent to a POS in test mode.

The bank's response is verified

For card payments, an order is only marked "paid" if the bank's response has been verified for that specific order.

Abandoned attempts don't hold stock

An incomplete card attempt is canceled automatically after 30 minutes and releases the reserved stock.

Unverifiable card methods are never offered

Card payment methods whose bank response can't be verified are never shown to the customer.

Frequently asked questions5 questions

Frequently asked questions about payments

Which banks' virtual POS are supported?

For a store in Türkiye: Akbank, Garanti BBVA, İş Bankası, Yapı Kredi, VakıfBank, Ziraat Bankası, Halkbank, QNB Finansbank, DenizBank, TEB, Şekerbank, Albaraka Türk, Kuveyt Türk, Vakıf Katılım and Ziraat Katılım. You can also use payment service providers such as Tami, PayTR, iyzico, Param and Tosla, as well as PayPal.

Can several virtual POS run at the same time?

Yes. Several bank POS and payment service providers can be active at once. When the customer enters their card number, the system recognizes the card and, for the selected installment plan, picks the POS that is best for the customer first, then the one with the lowest commission for your store.

Can I pass the installment commission on to the customer?

Yes. For each installment row, you enter the commission and the rate passed on to the customer separately. If you leave the rate at zero, that row becomes "interest-free"; you can also enable a row only above a certain cart value.

How do I keep track of bank transfer payments?

Orders awaiting a bank transfer receive a reminder after the time you set, and unpaid orders are canceled automatically. Upload your bank statement to the admin panel: payments whose reference contains the order number and whose amount matches exactly are suggested, and you approve them one by one or in bulk.

Can a store in Germany use these payment methods?

Today a store in Germany offers PayPal and bank transfer. The bank virtual POS, the payment service providers and cash on delivery are for stores in Türkiye. New payment methods for stores in Germany are coming soon.

Live demodemo.roifex.com

Let's set up your payments together

Tell us which banks you work with, and we'll walk through the installment tables and routing together in the demo.