We are delighted to assist you.

iyzico as a financial technology company licensed by the Banking Regulatory Supervision Agency (BDDK) and PCI-DSS provides secure payment solutions and shopping assistance to its thousands of online sellers and buyers. iyzico is the Turkish pronunciation and abbreviation of "Easy Check Out" and stands for simple, secure and seamless with its innovative fintech solutions.

iyzico offers innovative payment solutions to over 32.000 online shops of different size including global & local brands like Amazon, Zara, Sahibinden, H&M, Puma and Çiçeksepeti. iyzico also provides secure and hassle-free shopping experience to end users through iyzico mobile application and iyzico Buyer Protection.

iyzico has the PCI-DSS certificate, which is the world's highest data security standard. With its PCI-DSS certified service, every need regarding data security is sustained. When you use iyzico's platform, thanks to iyzico API's smart tag solution, you can provide maximum security services to your customers via a PCI-DSS certified infrastructure without the need of obtaining a PCI certificate.

If you are a corporate seller, you can get a special offer with commission rates starting from 4,29% and a transaction fee of 0.25 TL per successful transaction on your site.

There are no starting fees, or any other fixed charges that you need to pay to use iyzico.

Instalments allow clients to pay for their purchase in instalments during shopping with Bonus, World, Maximum, CardFinans, Paraf, Axess, and Advantage featured credit cards through a special agreement between the seller party and the bank. The number of such instalments and additional expenses to be incurred are entirely dependent on the agreement made between the seller party and the bank.

If you would like to offer payment in instalments on your online shop, you will need to contact and request online payment terminals from each and every bank separately. However, banks usually tend to decline such requests made by small and medium sized businesses.

When you work with iyzico, you can process transactions on your online shop from almost all banks in Turkey and offer your customers installment as an option.

At iyzico, currently paying in instalments is available with Bonus, World, Maximum, CardFinans, Paraf, Axess, and Advantage. This means that you can take payments in instalments with all credit cards of that belong to seven banks.

When you work with iyzico, payout of your instalments sales is not carried out in instalments but in full to your account after the commission fee from the price you sold your product is deducted.

For each successful transaction made through iyzico, the commission rate is starting from 4,29% and the transaction fee is 0.25 Turkish Liras (Bank Insurance Treatment Tax-BITT- inclusive). For instalment payments, each bank has its own delay interest rates. For such payments, you can offer your clients better prices by covering delay interest charges yourself entirely or partly.

Yes, you can. It is entirely up to you whether delay interest charges are reflected to your customers.

Through adjustments you can make on the "Instalment and Commission Management" page available at the iyzico Control Panel, you can offer better prices to your customers by covering the delay interest costs yourself entirely or in part.

The reason is that your business model isn’t eligible for payments in instalments. For detailed information, please reach out to us via "Contact Us" section of our website.

For each successful transaction made through iyzico, the commission rate is starting from 4.29% and the transaction fee is 0.25 Turkish Liras (BITT inclusive). For payments in instalments, each bank has its own term difference rates. If you decide to take payments in instalments on the cashprice by covering the cost of delay interest, you can calculate the deductions to be made through the "Instalments and Commission Management" menu on the iyzico control panel.

Yes, such changes are always under your control. You can disable the changes you made through the "Instalment Rates" section on your iyzico control panel by using the same section.

Any changes you make on the "Instalment Rates" section will be reflected to the checkout form on your online shop instantly. That's why it is very important that you calculate any change in detail when using the relevant section.

By clicking the “Sign Up” button, you can start your membership process immediately. It is very important that you pay attention to the details below to conclude your application faster and easier.

- Your website must be ready to use with your products and pricing information.
- Your website must have the following pages- Privacy Policy, Distance Selling Contract, Delivery and Returns Policy, About, and Contact.
- Your payment page must have SSL certificate.
- You must have all relevant licenses and documents granted by the relevant authorities for the products you sell.
- Your websites need to have Pay with iyzico, Visa and Mastercard logos. You can download the logo package here.

Product or service categories listed below will not be considered for evaluation.

• Gambling and betting websites
• Websites with political content
• Websites selling replicated or counterfeit products
• Websites with violent content
• Business models which involve collecting invoices
• Websites selling cigarettes or tobacco products
• Websites selling cigarettes, tobacco products or websites which facilitate selling there of
• Sale of power saver devices
• Websites with sexual content
• Services of erotic nature
• Websites selling pornographic products
• Business models which provide consultancy services
• Auction websites
• Websites selling prescription and/or non-prescription drugs
• Telesales businesses
• Websites operating with networking marketing model
• Websites providing Forex services
• Websites selling drugs or selling products that facilitate drugs use.

You will need to upload the following documents to our system during your application.

• Signature circulars
• Tax plate
• A document showing your company account details obtained from the bank where your company account is held. This is required for us to verify the IBAN you provided to the iyzico Control Panel to receive payments. Therefore, you will need to send us a document showing your account number and bank IBAN obtained either from your bank or through online banking or alternatively, you can scan and send us the first page of your account book/passbook.
• Findeks Risk Report

Yes. You are not required to establish a company to start selling with iyzico. You can use our “Get Paid by Link” service and start selling via a link in 24 hours. However, for corporate and market place payment solutions you need to have a company.

You can benefit from iyzico services once you submit information and documents that belong to your trading company.

We require a document showing your company account details obtained from the bank where your company account is held in order to verify the account that you registered to the iyzico platform. For verification, it would be sufficient to upload a sample document that shows any transaction from the relevant account. In such sample, account holder name and IBAN should be clearly visible.

To benefit from iyzico’s services, the person’s or the company’s name on the tax plate you upload to your account should match the account information to which the payments will be transferred. In case, the name on the tax plate doesn’t match with the account information to which the payments will be made, the payments won’t go to the relevant account and will be put on hold.

As mandated by the Turkish Ministry of Culture and Tourism, all organizations founded on the basis of providing tourism and travel services need to obtain this document.

To get a Tax Plate, you will need to go to the Revenue Administration website. Following this, you will need to open up the tax office option and login with your username and password which you shouldn’t share with other people. You need to enquire about your information by clicking on the enquiry button on the page and then open the tax plate option, taxpayers should enter their taxpayer number and Turkish Identity Number together. On this page you can form the tax plate in any form you wish and print out any number of copies as you desire. It is obligatory to hang the tax plate to every level for firms located in multiple-story buildings.

According to “the Regulation on Registration and Approval of Food Businesses,” businesses conducting any activity involving food manufacture/proccess/storage/distribution/transport/sales/serviced run by public organizations and real or corporate bodies regardless of them being for profit or non-profit, are described as “Food Businesses”.

In case you make food sales through your website, we are only able to work with you on the basis of the Ministry of Agriculture and Forestry Business Registration Document that includes the legal firm name demonstrated on your tax plate.

You need to add the relevant contracts and their contents to your website.

If you don’t deliver products, it is enough that you add the returns policy for the service you provide to your website.

A contract needs to be signed between iyzico and your company upon the completion of your application process.

You can view your contracts on the “Application” section of your iyzico Control Panel. When your application is accepted, the relevant team will send you an information e-mail to your registered e-mail address.

iyzico has started “Digital Contract” era to facilitate user processes. In this regard, your application process will be significantly shortened since you will not need to send the signed contract to us.

Your contracts will be sent to your e-mail address upon the completion of your application process. The only thing you need to do is to approve the contracts which can be viewed under the “Application” section of your iyzico Control Panel and then click to “Accept Contract” link.

Unfortunately, due to our Digital Contract system we don’t accept physically mailed contracts. To complete your application, you will need to accept the contracts via the “Accept Contracts” link on your iyzico Control Panel.

iyzico is a platform of certain standards for the service it provides. One of these standards are its contracts. The content of the contracts doesn’t vary according to firms. Therefore, it is not possible to omit or amend any articles included in the contracts.

Thanks to iyzico Multi Currency feature, you can take payments from anywhere in the world in US Dollars, Euros, Great British Sterling, Russian Ruble, Swiss Francs and Norwegian Krone currencies as well as in Turkish Liras through Visa and Mastercard branded cards. The payments you take in foreign currencies are exchanged into Turkish Liras based on the Central Bank exchange rate of the payment date and are transferred to your account in Turkish Liras with the exchange transaction fee deducted on the payment date. You can start getting paid in other currencies just for an annual fee of 99 TL which you can add through the “Additions” section of your iyzico Control Panel.

Yes, after you choose the Link product through the section “Additions” on your iyzico Control Panel, you can accept the contract that will pop-up and start using our Link Method free of charge.

• You need to sign up for an iyzico membership as a first step.
• After signing up you will login to iyzico Control Panel and see the “Apply” button on the left side of the panel. You can view the application form by clicking this button.
• You will need to save your information and documents to this application form. You will be required to upload your scanned documents online to the “Required Documents” section placed at the bottom of this form.
• After you fill in the relevant sections of the application form, choose t“I accept iyzico Service Terms and Conditions” box at the bottom of the page and click on the “Complete Application” button and your application will be on its way.

If you don’t own a corporate entity (don’t have tax plates, signatory circulars/declarations) you can make a personal application for our Link product depending on your business models.

It is enough for you to upload your required documents online via the iyzico control panel.

You may have a problem with the size or the extensions of your documents. We recommend that you retry uploading as PDF, PNG or JPEG and with less than 10 MB in size. If the problem continues you can contact us at [email protected].

No, you don’t need to inform us at that stage. After you fill out the application form and complete your application, your information and documents will be transferred to us online. Our team will contact you as soon as possible after checking your information and the documents provided.

When you fill out all the sections of the application, iyzico team will start checking your application and contact you through your registered e-mail to update you the application status within 24 hours. You don’t need to do anything until our team contacts you.

Note: Our working hours are between 09:00-18:00 on weekdays and 10:00-17:00 on Saturdays. Applications made on Sundays will be evaluated between 09:00-12:00 on Monday mornings.

Application approval period is 24 hours. Depending on your business model, this period may take longer if and when additional documents and information are requested.

You need to login as a member to the iyzico website and then you can manage your account statement, transaction details, refunds, and instalment rates by using the control panel.

3D Secure is a security system developed by Visa and Mastercard to ensure that purchases made online are safer. 3D Secure obligates to enter the security code sent to your mobile phone to complete the transaction and this way, if your card details are stolen, the system ensures you are safe online.

For Visa credit cards the system is named as “Verified as Visa” and for Mastercard cards it is “SecureCode”. There are no additional charges to activate this system.

All our merchants can benefit from the 3D Secure service by providing it as an option to their customers on the checkout page. iyzico requires the use of 3D Secure option for some of the business models it deems to be risky. Even though 3D Secure system is not a requirement, if you would like to use it, you can contact our team through the Contact Us section.

With the Card Storage feature, your customers don’t need to enter their card details for every transaction so that they complete their payments fast and easy. This will increase your revenue by decreasing the bounce back rate of the transactions from the shopping cart.

To start using iyzico’s Card Storage Solution just pay 99 TL and you can activate this feature. To activate it just go to “Additions” section on the iyzico Control Panel.

BIN (Bank Identification Number) is the first six numbers of a card eligible for payment (debit card, credit card or pre-paid card). With BIN Check, the bank of which the card belongs to can be checked and payments can be directed to the relevant bank’s virtual terminal. Thanks to the constantly updated BIN Checklist, the distinction between debit cards, credit cards or pre-paid cards are successfully made. With the updated data used for BIN Check, you can find out more about the cards of the users trying to make payments by using your service such as their cards’ banks and view the card type and the bank it belongs to on the payment form.

If you are looking to be preferred by having a smart, easy to understand and hassle-free payment transfer you can use iyzico’s BIN Check Solution. If you would like to take advantage of this solution, a representative of the firm needs to send us a message through Contact Us section describing the company and the business model. Following this, the relevant team will evaluate this request and inform the representative accordingly.

With iyzico In-app Payment Solution you can integrate iyzico to your mobile app quickly, securely and easily. If you would like to take advantage of this solution, a representative of the firm needs to send us a message through Contact Us section describing the company and the business model. Following this, the relevant team will evaluate this request and inform the representative accordingly.

Fraud is a term in e-commerce that expresses online purchases made by card theft. iyzico guarantees maximum level of security with its 150 check filters and fraud solution. With these filters, you can protect yourself and your customers from fraud in online transactions. You can get detailed information on this from the “Suspicious Transactions” section on your iyzico Control Panel.

You can offer Alternative Payment Methods to your customers who don’t have or don’t want to use debit or credit cards. These methods are classified under two headings as “E-Wallet” and “Online Bank Transfer in Real Time”.

E-Wallet: This solution can be used by all merchants that support Qiwi E-wallet through pre-payments to e-wallets or by defining bank card details into the wallet without sharing of the card details.

Online Bank Transfer in Real Time: This is a payment solution that allows all payments using iDEAL, Sofort Banking, and Giropay are easily and securely made through internet banking channels. With Online Bank Transfer in Real Time, you can carry out your payments by directly connecting to the relevant bank’s internet banking.

You can use the iyzico services on your mobile phone, tablets, laptops and desktops with the following features. The minimum system requirements of your mobile phone to run iyzico app are the following:

• iOS 9 and above
• Android 5 and above

To benefit from the iyzico Web Application, your tablet, laptop or desktop needs to have one of the browsers listed below:

• Internet Explorer 11 and above
• Google Chrome
• Mozilla Firefox
• Safari
• Opera

With iyzico’s online and marketplace ayment Solution, you can not only payments through Get Paid Online but also through Alternative Payment Methods.

You can get payments from your end-users in Europe through alternative payment methods such as iDEAL, Sofort Banking, Giropay, and Qiwi.

You can increase the volume of your sales abroad by integrating easy and fast local payment solutions to your online shop. Without having to tackle different integration processes for each different alternative payment method, you can start using the alternative payment method you would like to use right away with a single integration.

Sofort, Ideal, and Giropay uses Euros as the currency for transactions.

Qiwi wallet is valid in payments in Euros, Dollars and Rubles.

iDEAL: The Netherlands

Sofort Banking: Germany, France, Spain, Austria, the Netherlands, Belgium, Italy

Giropay: Germany

Qiwi: Russia, Ukraine

With Alternative Payment Methods, you can quickly and securely reach to your customers abroad and support your customers local payment experience.

You can contact our Direct Sales/Operation team.

To be able to offer payment with Alternative Payment Methods on your site, you need to be using iyzico’s payment solution for your online shop. However, there is no obligation to use

You can only provide the alternative payment method you chose to your customers.

You can cancel or refund the transactions completed through Alternative Payment Methods by using the iyzico Control Panel.

There is no chargeback risk since your customers approve the payment with their passwords after logging into their own internet banking accounts.

We recommend you contact our Sales Team to provide you with the Alternative Payment Method that will suit you the best according to your needs.

3DS is a protocol that was developed by Visa and MasterCard for card payments. 3DS is not used in Alternative Payment Methods.

No, there are no instalment options for Alternative Payment Methods.

Product and service categories that you can view here will not be evaluated for Alternative Payment Methods.

You need to activate the Multicurrency service from the “Additions” section on your iyzico Control Panel. After this please follow the steps below;

• API: For the payment form to be created in the relevant currency, you will need to enter currency code into the “currency” parameter.
• Ready Made Infrastructure: You will need to contact your infrastructure provider and update them.
• Open Source: You will only need to add the foreign currency to the admin panel of your website.

• When customers see the product’s value in their own currency, rate of bouncing back from the shopping cart decreases and conversion rate will increase.
• Amount in the foreign currency presented to the customer during transaction directly to the statement of the buyer and there are no surprises for buyers due to currency change.
• When presented with the local currency, customer won’t need to deal with issues such as calculating the exchange rate.
• You will be able to offer most frequently used foreign currencies to local markets at once.

No, there are no instalment options for payments made in foreign currencies.

iyzico provides a payment infrastructure for all e-commerce sites. There are two ways to start receiving payments through iyzico for your online shop, which enables you to process transactions either in lumpsum or in instalments to all cards with a single contract. These involve API integration and use of ready payment form. You can start using features such as sales in instalments and card saving with both ways.

You can also accept foreign currencies as well as Turkish Liras and you can make sales with different currencies. This way iyzico enables you to receive payments from abroad with Alternative Payment Methods.

You can view all the features of the product by visiting our solutions for business page.

• United States Dollars (USD)
• Euro (EUR)
• Great British Sterling (GBP)
• Russian Ruble (RUB)
• Swiss Franc (CHF)
• Norwegian Krone (NOK)

Marketplace Payment Solution provides payment infrastructure for platform-based e-commerce sites. When the end-user who purchases service from the marketplace makes the payment with credit card, the money will be first transferred to iyzico’s account. iyzico then deducts the commission to be paid by the platform member seller and transfer the remaining amount to the seller and to the platform separately. This way, platform-based e-commerce sites have a hassle-free payment flow.

You can also accept foreign currencies as well as Turkish Liras and you can make sales with different currencies. Moreover, iyzico Get Paid Online allows you to receive payments from abroad with alternative payment methods.

Firms with marketplace or platform-based e-commerce sites can benefit from the Marketplace Payment Solution. If you would like to take advantage of this solution, a representative of the firm needs to send us a message through Contact Us section describing the company and the business model. Following this, the relevant team will evaluate this demand and inform the representative accordingly.

Sellers who will join your e-commerce site which provides services as a marketplace are not obliged to have companies.

Sub-merchants of a marketplace can have three different business models:

• Individual
• Sole trader
• Limited/Joint Stock Company

You can get payments for your sub-merchants with the above stated business models by using Marketplace Payment Solution.

Your sellers do not have to apply to iyzico system individually. Since you have their information, it will be enough that you register them in the system.

The system attains a single value for each sub-merchant (seller) that is registered. In each transaction, such single value needs to be sent to iyzico by the marketplace for the relevant sub-merchant. You can view all the technical details on our integration document.

No, iyzico service charge won’t be separately reflected to your sellers. Moreover, there are no fees for system registration and integration.

iyzico commission fee will be calculated according to total transaction fee and deducted from the share of the marketplace which has sufficient balance.

IBAN information of the relevant sellers is among the information that needs to be sent to iyzico when registering your sellers in the system. The money transfer will take place following the completion of the transaction by the buyer. In this case, while as a marketplace you receive your commission profit, the sub-merchants (your sellers) receive their payments.

Your sellers need to send an invoice to the buyer who purchased a product with regards to the total payment amount. Then, the commission invoice in accordance to the commission agreement between marketplace and seller, needs to be sent to the seller. Following this, iyzico will also send the commission invoice concerning the commission it deducts as service charge to the marketplace. Neither the marketplace nor your sellers need to make out any invoices to iyzico.

You are not obliged to enter commission information to the iyzico system for each seller. It is sufficient that the Marketplace to update iyzico on each payment transaction while keeping the commission information for itself.

Yes, thanks to the Marketplace Payment Solution, you can work with different commission rates for each of your sellers.

iyzico and the marketplace will have an agreement on the periods in which the payments will be transferred/distributed. Payments will transferred/distributed according to this agreement.

Following the secure completion of the purchase after the buyer’s payment, Marketplace sends iyzico information for distribution of the amount. iyzico transfers the amount after the receipt of such information. If Marketplace doesn’t send this information to iyzico, the relevant amount will be held in the pool account of iyzico indefinitely.

The information that you can check by using the iyzico Control Panel is listed below:

• Transaction Details (It allows you to view all transactions breakdowns such as date, amount, bank, etc.)
• Validation Errors (You can view the errors that your buyers receive during transactions)
• Cancellations and Refunds
• Instalments and Commissions Management
• Money Transfer (You can view the forthcoming amounts to be paid to your account or amounts that were paid into your accounts previously)
• My Invoices
• User Management (You can manage the persons using your control panel)
• Suspicious Transactions

In addition to the summarized info above, you can check which information you have access to through setting up a Sandbox account.

Shipment processes are not tracked by iyzico.

There are no commission fees for iyzico refund transactions.

Marketplace Payment Solution supports the multiple shopping cart structure made up of different sellers. Therefore, users on your platform can form shopping carts with products from different sellers and make their purchases.

• United States Dollar (USD)
• Euro (EUR)
• Great British Sterling (GBP)
• Russian Ruble (RUB)
• Swiss Franc (CHF)
• Norwegian Krone (NOK)

Link Solution enables individual or corporate sellers to take payments from anywhere regardless of the platforms they are using. You can share the product links you create through the iyzico Control Panel without needing a website or a technical development through SMS, the social media or marketplaces, thereby, take secure payments from anywhere in the world. If you would like to get more information on this method, please feel free to check out the link below. https://www.youtube.com/watch?v=cTBf0dX7MAE

You can register from "Get Paid by Link" page and complete your application process by filling out the application form through the iyzico Control Panel. Following the approval of your application, you can take payments through sharing the product links to be created easily via your iyzico Control Panel on any platform you wish.

Yes, you can! Thanks to the Link Solution, you can take payments from anywhere in the world in different currencies such as Dollar, Euro, Sterling, Crone, Ruble and Franc.

You don’t need to have a company to get paid through the Link Solution. You can apply as an individual and start receiving payments from anywhere in the world right away.

You can use the Link Solution without a website or technical development.

You can create your product links and receive payments by logging into the iyzico Control Panel through our website or mobile app without needing any integration or technical developments.

Via our mobile apps compatible with iOS and Android, you can check and manage all your transactions from your phone. If you wish, you can also carry out your transactions by logging on to our website on your smart phone.

Yes, you can receive your payments securely by using the 3D Secure security system.

Individual users (who don’t have companies) or corporate users can get payments in instalments through the Link Solution. You will need to activate the “Sales in Instalments” feature of the link that you want to sell in instalments. Eligibility of products that are sold by link for sales in instalments is defined by legal regulations and thereby, even though you activate the “Sales in Instalments” feature, you might not sell your product in instalments in certain occasions. If your product is eligible for sale in instalments, the maximum number of instalments will be listed on the payment page for your buyers. You can view the instalment regulation for corporate merchants here , and for individual merchants here

Our corporate users can get an offer starting from 4.29% commission rate and 0.25 Turkish Liras transaction fee. Our individual users who do not own a company are charged at starting from 4.49% commission rate and 0.25 Turkish Liras transaction fee.

All payments with regards to your sales transactions that took place between Monday to Sunday will be made into the accounts of our corporate users the following Wednesday.

All payments will be made into the accounts of the individual users who don’t own a company, the first Wednesday seven days after sale is successfully completed.

*In line with the contract terms, payments can vary according to the business model.

You can check the payouts for your online shop on the "Transactions" section on your iyzico Control Panel.

When calculating the payout periods, please take the following into consideration.

• Transactions are calculated weekly at iyzico.
• Transactions made from Wednesday 00:00 until Tuesday 23:59 represent the weekly payout.
• Weekly payouts will be made to your account after 3 weeks.
• If you have a business model that make regular weekly transactions, you can receive your payments weekly. However, these payout won’t cover your last 3 weeks. For instance,

You can receive your first week’s payout on the 4th week,
Your second week’s payout on the 5th week,
Your third week’s payout on the 6th week.

Blockage period means the waiting period for the payout to your accounts after the successful completion of payments from your customers.

Payout period determines the frequency of money transfer of the successful payments on your online shop to your accounts.

The most important reason for the blockage period is the Chargeback risk which is frequent in e-commerce. Furthermore, the criteria of by the banks we work with is also one of the reasons why we have to work with blockage period. Therefore, we apply various reporting criteria at 3-week period intervals and make payments according to this period. Your blockage period can be shortened by a review of your transaction volume and the products by iyzico.

The sum of the successful transactions made between Wednesdays and the following Tuesdays will be paid into your account in the first Wednesday 21 days after the transaction is processed.

The first payment will be settled according to the blockage period and you can view this on the Merchant Panel settings (https://merchant.iyzipay.com/settings) . After the first payout for your account, following payments will be made in fixed intervals in line with your money transfer periods.

*Payout of the successful transactions can vary according to the business model in line with the contract terms.

You can track the sum of the payments and refunds and its detailed reports daily through the iyzico Control Panel right a day after the transactions are completed.

You can generate the detailed transaction report for the time period you set and download it via the "Transaction Report" tab.

A payment made via iyzico can be cancelled within the same day (without taking the end of day report) in line with the banking rules. The difference of a cancellation transaction from a refund is that the cancellation can be made within the same day as the payment and it is not reflected as in -and -out payments on the card statements.

You can list all your transactions by using the transactions menu on the iyzico Control Panel.

It is sufficient to click on the "Cancel" button placed on the far right of the screen after you find the transaction you would like to refund or cancel from the list. When you cancel the payment, the full amount will be refunded to the user’s card. However, any cancellation transaction should be made within the same day of the payment. If not, "Cancel" button will not appear on the screen.

For refunds, it is sufficient to click on the "Refund" button placed on the far right of the screen after clicking on the breakdown of transaction. On the refunds screen, you can complete your refund by stating a certain amount of the relevant transaction.

All refunds made after completed transactions are regarded as cancellation. There will be no additional fees that will be deducted when the refund is made.

Refunds are completed online. Therefore, when you click "Refund the Payment" button, the payment will be automatically refunded. Refunded transactions will be reflected in the card accounts within 1-3 working days for payments made by credit cards and within 7-14 days for payments made by debit cards.

When you click on the payment’s details under the "Transactions" section on the iyzico Control Panel, you will see a "Refund Payment" button. By clicking this button, you can complete your refund transactions.

Once you confirm refund by clicking this button, please note that this action cannot be undone.

You don’t need to make out invoices to iyzico. Invoicing process for successful transactions made on your website by using iyzico will be as follows;

For the total amount that your customer paid, you must make out a paid invoice with the name of the customer and sent it with the product/service you sold to your customer.

When the payout is being carried out to your account by iyzico, there will be invoices made to your company for commission and term difference rates and these invoices will be sent to you periodically.

As iyzico provides you with a payment infrastructure you can register these commission/service invoices as service charges.

If you have not received your commission invoice, you can request by contacting us as at.

E-commerce website builders are solutions that allow you to sell your products online by providing you an advanced website.

With such ready infrastructures, everyone who has computer literacy can purchase an e-commerce solution from companies such as IdeaSoft, Zencommerce, Ticimax and manage aspects concerning server and product management, security layers and software updates.

Please click here to view a current list of iyzico's solution partners.

Since e-commerce website builders has closed source codes, unfortunately, iyzico doesn’t have a chance to intervene in such infrastructures. Therefore, if the ready-made infrastructure solution company you work or thinking of working with is not listed among our partners, you will need to contact the relevant company and ask for their approval, stating that you want to use iyzico. After you get such approval, iyzico will only be happy to assist both you and the company you work with for integration.

You will need to follow the steps listed below to integrate iyzico to your site running on e-commerce website builders.

• To begin with, you will need to contact the company from which you purchased e-commerce website builders from and tell them that you will use iyzico. The company, then, will ensure set up of the iyzico module onto your website.
• After your module is set up onto your website, you will need to copy the API KEY and Secret Key values to be found under the iyzico Control Panel, your Account>Account Settings>API Keys>Live Keys to the relevant sections iyzico module that is set up onto your website.
• Following copying of API KEY and Secret Key values into the related areas, all you have to do will be sending a message to the iyzico Integration Team. Our team will finalize the process by making your account live after it conducts all necessary checks.

If you run into any problems while integrating iyzico to your website with e-commerce website builder, you can send a message to our team by stating your merchant ID. The team will help you quickly upon receiving your message.

We would like you to check your link through www.etsy.com/your/apps first. If your address is visible on this link, there is nothing you will need to do. It means that when your customer adds their products to their shopping cards and fill in their information, they will see the order received page. At this stage, iyzico will send a payment link to your customers’ e-mail addresses. When your customers click on the payment link, they can make payments through the payment form that is shown on their screen.

Open source software increasingly popular software, which are eligible for sharing and editing by everyone and their source-codes are open to anyone who wishes to view them. Open source code software which can be simplified, fortified and strengthened according to needs, provide consumers with choices vis-a-vis software giants through offering solutions in every area.

Systems such as Prestashop, Magento, Opencart, and WooCommerce are regarded as the world’s biggest open-source e-commerce platforms.

iyzico provides you with special modules developed by its own team for the world’s largest e-commerce systems such as Prestashop, Magento, Opencart, and WooCommerce free of charge.

Please click on the link below for the list of the platforms with open source codes for which iyzico team developed appropriate modules and provide them free of charge.

New versions/updates can be made available everyday for e-commerce platforms. If the version of the open source e-commerce platform you use is incompatible with iyzico module, you can request assistance by sending a message to the iyzico Integration Team. The Team will assist you on this as soon as possible.

If there is no appropriate iyzico module for the open source e-commerce platform you are currently using, you can suggest a development request by sending a message through the Contact Us Section. Our team will evaluate your request upon the receipt of your message.

You can retry by adding the "CURLOPT_SSL_VERIFYPEER=>false," line to the post function in the "srcIyzipayDefaultHttpClient.php" file.

Additionally, we will need you to verify that

1. Your TLS version is 1.2 (it is not sufficient that TLS 1.2 is active, your server needs to communicate with iyzico through using TLS 1.2)
2. Your OPEN SSL version is 1.0.2
3. PHP version is 5.6 or above

When data is sent to iyzico API, it is sent as encrypted through the creation of a hash to ensure the security of the secretKey. If such hash cannot be decrypted by iyzico, this issue is reflected as an error message.

Occasions which cause such an error are:

1. Entering the API and Security Key (API Key-Secret Key) wrong or leaving a space either at the beginning or end of such key value
2. Not using UTF-8.

iyzico API integration especially developed according to your and your company’s needs different to that of open source and proprietary infrastructures.

It is possible to integrate iyzico to your website coded with a special software developed by you quickly and effortlessly like the copy-paste function. You can view the sample codes we created by using software language most commonly used for this type of integration from the link below.

Note: When you integrate iyzico by using this option, we would like to state that you will be using iyzico payment form as the payment form of your website.

If you need a more detailed document, iyzico Integration Team will assist you. You can reach out to the Team by sending them a message through Contact Us section.

You can amend the design of the iyzico payment form through the assistance of CSS and Java Script. However, unfortunately, iyzico team cannot assist you with such amendment. Therefore, we would like to underline that a certain degree of competency in software for the design change you wish to make on the payment form is needed. If your competencies are insufficient to complete such a task, you might need special software development assistance.

It is possible to use the form you developed in place of the iyzico payment form on your website with custom software infrastructure you integrate with iyzico. To do this, you will need to request iyzico API document from the iyzico team. You can contact the team by sending them a message through Contact Us section.

Note: We would like to underline that a certain degree of competency in software to use iyzico with the payment form you developed is needed. If your competencies are insufficient to complete such a task, you might need special software development assistance.

If you receive any errors when integrating iyzico to your platform and need support regarding this, you can send a message to the iyzico team with the following information.

• Request information:
• Response information:
• Merchant ID:
• Transaction ID:

When you send this information over, our team will be of assistance quickly.

You can retry by adding the "CURLOPT_SSL_VERIFYPEER=>false," line to the post function in the "srcIyzipayDefaultHttpClient.php" file.

Additionally, we will need you to verify that

1. Your TLS version is 1.2 (it is not sufficient that TLS 1.2 is active, your server needs to communicate with iyzico through using TLS 1.2)
2. Your OPEN SSL version is 1.0.2
3. PHP version is 5.6 or above

When data is sent to iyzico API, it is sent as encrypted through the creation of a hash to ensure the security of the secretKey. If such hash cannot be decrypted by iyzico, this issue is reflected as an error message.

Occasions which cause such an error are:

1. Entering the API and Security Key (API Key-Secret Key) wrong or leaving a space either at the beginning or end of such key value
2. Not using UTF-8.

"Invalid request" error appears when parameters are not set in the appropriate format. One way is to control the format of the parameters you set. As a first step, you can check whether you separate the tens digits of the parameters with a full stop rather than with a comma. For instance, 1.0 instead of 1,0

Procedures at the integration stage, are queued according to dates and the iyzico Integration Team completes these procedures in line with this queue.

If your procedure has reached the integration level, you can be at ease knowing that the relevant team is looking after your procedure. Our team will update you upon the completion of the procedure. If you would like to get information on the latest status of your procedure, you can send a message to the team.

After you complete your application from the "Application" section of the iyzico Control Panel, your account will be evaluated by our relevant team and an online contract will be sent to you. You can start receiving live payments after you approve the online contract, again using the "Application" section of the iyzico Control Panel.

You can send a message to the team through Contact Us section by detailing the problems you encountered. Our team will assist you as soon as possible.

"Easy" is one of the most important iyzico principles. In line with this principle, iyzico openly provides integration support for all initiatives that seek to use its platform. If you encounter problems at the integration stage, our team will be happy to assist you. However, we would like to remind you that especially technical subjects are followed through specific documents and process tracking can only be made in writing. Thereby, reaching us concerning technical issues such as integration through messages rather than through calling us will ensure that the process to be easier and without faults. We appreciate your understanding on this matter. Please click here to send the iyzico Integration Team a message.

If you applied to iyzico for "Get Paid by Link", you may not see the API security key on your iyzico Control Panel. Link management enables you to take payments through a link you formed, and API cannot be integrated to the website because it doesn’t have security keys. If you wish to integrate iyzico into your website, you will need to make a new "Get Paid by Link" application.

iyzico Integration Team will expect you to conduct a successful payment trial for a transaction worth a symbolic amount with a real credit card. We recommend you conduct payment trials of 1-3 Turkish Liras of value with your real credit card after the completion of the integration process. You can check the trial payments made and cancel them through the (link) "Transactions and Refunds" menu on your iyzico Control Panel. After the test stage, you can start taking active payments securely.

"iyzico Fraud System" scores future payments by taking past payments into account. Taking this score into account, iyzico classifies transactions made through your site and automatically accepts, rejects or categorizes the payment as suspicious.

You can look for the following to identify a transaction as suspicious;

• Check “Suspicious Transactions” section of the iyzico Control Panel,
• An e-mail to be sent by the system to your registered e-mail address,
• Return of the payment request within the “fraud_status” parameter,
• Through IFN (iyzico Fraud Notification Service)

If a payment made through your website has suspicious transaction status, you should never deliver this product/service without receiving an automatic or manual clearance/information e-mail from us.

*If you suspect a transaction made through your website for any reason, feel free to reach out to us anytime.

*To get information on IFN, you can contact iyzico Integration Team.

A transaction under suspicious transaction status can be automatically accepted or rejected after being checked by iyzico. iyzico will inform you as below when it deals with a transaction under suspicious transaction status:

• An e-mail will be sent to your registered e-mail account by the system stating whether the transaction is accepted or rejected,
• Information will be given through a callback URL which you will define in the system through IFN (iyzico Fraud Notification Service). To get information on IFN, you can contact iyzico Integration Team.

It is possible to prevent fraud and scamming in e-commerce is possible by iyzico’s AI based fraud solution developed by iyzico engineers. All e-commerce merchants working with iyzico can benefit from this solution free of charge.

Card owners have the right to challenge transactions made by their cards without their consent. Such complaint is first filed by the card owner to the issuer bank and the bank demands detailed information with regards to claimed transaction from the merchant. In case the card owner was deemed to be right, issuing bank terminates the process by claiming the amount subject to disputed transaction from the business and refunding it to the card owner’s account. This transaction is called chargeback. It is also known as “refunds” among users.

Banks need to abide by the rules set by the card organizations in such transactions. This procedure is not valid only for certain banks or solely for Turkish banks. The challenge procedure is the same in everywhere where card organizations’ rules are valid. This means that chargeback form doesn’t change in domestic transactions or card transactions made abroad. As iyzico, we investigate these processes diligently and contact the merchant and/or the customer and solve such issues in a couple of weeks.

The following procedure is generally applied in chargeback transactions:

• Card owner passes his/her dispute to the issuer bank.
• The issuer bank transfers the dispute to the merchant’s bank.
• Merchant’s bank will pass this complaint to the merchant and demand documents with regards to the transaction subject to the dispute.
• Merchant will send the related documents to the bank.
• If the merchant fails to send any documents within the given period or the documents sent are insufficient, the disputed amount will be withdrawn from the merchant’s account and refunded to the bank of the card owner.
• If the sent documents are deemed to be sufficient, they will be sent to the bank of the card owner and the dispute will be rejected. The merchant will not have to refund the relevant amount.

Documents to be valid in such situations will vary according to the reason of the dispute. The document that is most valid is the delivery document of the shipment company signed by the transaction owner. What is important here is the signature belongs to the transaction owner. Documents signed by different people will not be considered as valid by the bank. After the documents are passed on to the bank, the result of the dispute procedure will be determined by the merchant and bank owning the card.

Cancellations/refunds should be made to the card through which the relevant transaction was made. They shouldn’t be made to a different card, name or a bank account as an EFT/money deposit based on user request.

The following factors should be taken into account to minimize the fraud rates through fraud control:

• Repeated trials for transactions with same or different cards despite the trials were unsuccessful.
• Use of meaningless and free e-mail addresses.
• Multiple trials for payments of low amounts with the same card within a short period of time.
• Stolen or lost card warning issued by the bank with regards to the card used in payment.
• Trials for payments with different cards through the same IP address within a short period of time.
• Attempts for payment by a card previously banned on the platform.
• Use of the same card from a different IP address within 30 days.
• More than three transactions made within the same day through the same IP address.
• Attempts for payments through using the same card by changing its valid to dates,
• Attempts for transactions from different IP addresses through the use of a single card.

iyzico requires 3D Secure option for some business models it deems as risky. However, if you would like to use 3D Secure without the obligation for your firm, you contact us from Contact Us section. Our team will get back to on your request as soon as possible.

Furthermore, you can ensure that transactions above a certain limit set by you could processed under 3D Secure by selecting the "Amount Based 3DS" from the iyzico Control Panel.

You can reach the guidebook regarding our practices with regards to dealing with chargeback requests for our Marketplace merchants here.

You can reach the guidebook regarding our practices with regards to dealing with chargeback demands for our iyzico Get Paid Online merchants here.

The reason why you see “iyzico” on your statement is that the online shop where you made your purchase uses iyzico’s technology. As iyzico, we never process any purchase or make any money transaction without your knowledge.

To update your bank details, please share a card statement that shows your new details via the email address you registered to iyzico. If you use Internet Banking, you need to share a screenshot showing those details.

We have a 24-hour approval period for the very first link you set up through Link Management. Your products will be ready to receive payments within 24 hours upon the evaluation of our decision team.

You can change your e-mail address following the steps below through your iyzico Control Panel:

When you go to “iyzico Panel”>”Settings”>”Profile”>”E-Mail Settings”:

1. Enter the new e-mail address twice.
2. When you click on the “Save” button, you will see a pop-up screen “Mobile Phone Verification”.
3. A verification code will be sent to your registered mobile number.
4. You can update your e-mail address by entering the verification code on the screen.

Your iyzico commission rate is deducted from the successful transactions before the payout. The invoice of the commission and transaction fees charged will be sent to your registered e-mail address in the first week of the following month. Therefore, you don’t need to make any additional payments.

We are not able to interfere to the completed transactions due to account security. However, you can refund the relevant amount through the “Transactions” section.

Errors with codes 57, 12, and 05 are the most frequent errors in e-commerce.

There are different status conditions on the iyzico Control Panel denoted with 4 different colors. Transactions shown in green express that the transaction is completed successfully.

Transactions in red signify that the transaction was not completed due to an error. You will find information under the section titled “Error Message” on the reason of the error.

Transactions in yellow (3D returned to merchant) express that the 3D secure code is entered, however, due to an error in the card (pin error, etc.), the transactions were unsuccessful.

Transactions in orange (3D initiated) means that the customer progressed to the 3D page but the 3D screen was closed by the customer before the transaction was completed.

You can check all your transactions according to the above guideline.

Under the “Transactions” sections of your iyzico Control Panel click on the payment number of the transaction you would like to cancel, or refund and it will direct you to a new page.

With iyzico’s Multi Currency feature, you can take payments from everywhere in the world in Turkish liras as well as in US Dollars, Euros, Great British Sterling, Russian Rubles, Switzerland Francs and Norwegian Krones by using Visa and Mastercard cards.

If you have an active iyzico membership and want to use alternative payment methods such as Sofort Banking, Giropay, iDEAL, Qiwi, please send us an e-mail on [email protected]

Since your iyzico membership and payment method is specific to the domain stated in your membership agreement, you will need to make a new application for your second e-commerce site with a different e-mail address.

You can view your commission rates on the “Instalments and Commission Settings” section under the “Settings” tab on your iyzico Control Panel.

To update your mobile number please send your requests to [email protected] with your registered e-mail address and the relevant update will be reflected to your account as soon as possible.

iyzico Buyer Protection is a service that provides assistance when you shop from online shops that use iyzico’s payment services. Once you place your order, iyzico Buyer Protection offers you a 24/7 live support if you are not happy with your order or you want to change your address and even allows you to pay with your stored card in seconds. It is also there to offer your customer service if a problem with your purchase exists.

When you pay with iyzico and choose iyzico Buyer Protection, you don’t need to worry about your order arriving as described or your card information being stolen. Your card information is securely protected by iyzico with our Level 1 PCI-DSS certified system. If you run into any problems after you receive your order, you can use the live chat support service 24/7.

If you choose iyzico Buyer Protection option right before you complete your purchase, you can get live chat support via the link we send you and chat with our team 24/7.

iyzico stores your card with its Level 1 PCI-DSS license and system which is the highest security level internationally. When you shop with iyzico Buyer Protection, you can pay with a single click without having to enter your card details every time and enjoy hassle-free shopping on more than 17,000 online shops. You can remove your stored card whenever you wish or save more than one card.

When you proceed to the checkout page of the online shop, a single-use verification code for secure payment will be sent to your mobile by iyzico. After you enter the verification code, you will be directed to a page where you can view your stored cards. And then you can complete your purchase with one-click by selecting your stored card. Once you store your card, you can complete your payments by one-click without having to enter your card details on over 17,000 online shops that offer iyzico Buyer Protection.

You can use your stored card on online shops that offer iyzico Buyer Protection

No. To benefit from iyzico’s Buyer Protection you need to select the “iyzico Buyer Protection” box at the checkout page of the online shop right before you complete your order.

You will see the iyzico Buyer Protection box at the checkout page of the online shop. Or you can browse through online shops that offer iyzico Buyer Protection from here.

iyzico Buyer Protection is a free service that allows our merchants to gain new customers, to increase their sales by 9%, to decrease their cancellation/refund rates by 5%, and to increase customer satisfaction.

If your business model is eligible, iyzico Buyer Protection option will be added to your checkout page. Customers who would like to shop from your online shop may use this option free of charge if they wish to do so.

iyzico Buyer Protection support team provides 24/7 live chat service. We provide a communication channel between you and your customers and contact you for every question, problem or demand made by your customers.

If you enable your shipment integration through the iyzico Control Panel or enter your orders’ shipping tracking numbers through the panel, it allows your customers to track their shipments live.

Your customers can store their card details and shop with one-click on your online shop as well. This feature offers your customers a hassle-free, quick, easy and secure way to shop without the need to have their cards with them.

No, it is completely free of charge.

No, the period stated in your contact will be valid.

If you work with MNG Cargo, you can take advantage of this free service through integration steps which you can easily and rapidly complete via the iyzico Control Panel.

iyzico does not send shipment information e-mails or SMS to your customers. Your customers can track their shipments through the iyzico application once you complete the shipment integration or entered the shipping tracking number manually.

If you complete the shipment integration through iyzico or alternatively, entered the shipping tracking numbers manually, this will be visible to your customer as a “Where is my shipment?” button on the order detail page. By clicking on this button, your customer is directed to the relevant shipment company’s webpage and can view the shipment status live.

If your customers choose iyzico Buyer Protecton when they complete their payments, we send them an SMS and an e-mail titled “Your Payment Was Successful”. After 3 days, we contact them again to check if they are happy with their order with an email titled “Is everything OK with Your Order?”. We mainly inform your customers that they can receive 24/7 live support when they shop under iyzico Buyer Protection.

On this page, our merchants that offer the best customer experience with iyzico Buyer Protection are listed.

iyzico app is a mobile application through which consumers can view all their purchases completed on online shops that use iyzico as well as receive 24/7 live support under iyzico Buyer Protection and complete payment in one click and track shipments. Simply put, iyzico app is the shopping assistant in your pocket and it is developed for you to have a hassle-free online shopping experience.

Users of iyzico app can view all their purchases on a single screen, manage their orders made under iyzico Buyer Protection, receive 24/7 live support and track their shipments in real time. It is your 24/7 shopping assistant whenever you need it, whereever you need it.

Clicking the “Everything Alright!” button means that your shopping process is completed without any problems and it ensures that the balance kept in a secure account is paid to the seller.

Refunded transactions will be reflected in the card accounts within 1-3 working days for payments completed by credit cards depending on the relevant bank and within 7-14 days for payments made with debit cards.