Top Payment Gateway and Payment Processor in Turkey 2025
Population
Percentage of Online Shoppers
Consumer Spending
The Best Payment Gateway in Turkey 2025
Choosing the best payment gateway in Turkey means considering: - support for Turkish cards (Visa, Mastercard, Troy) - ability to process payments in TRY - fast settlement and instant payouts - fraud detection - mobile optimization - strong integration capabilities - compliance with Turkish banking regulations Below are the TOP 5 most reliable payment gateways in Turkey for 2025, with detailed breakdowns.
Iyzico — #1 Local Turkish Gateway
Iyzico is the most widely used payment gateway in Turkey and fully optimized for local businesses. It supports all major Turkish cards, Troy payments, bank transfers, BKM Express, and digital wallets.
| Feature | Details |
|---|---|
| Payment Methods | Cards, bank transfers, digital wallets, BKM Express |
| Settlement Period | Fast, TRY settlement, T+1 |
| Mobile Integration | iOS/Android SDK, Shopify/WooCommerce plugins |
| Documents | Local business registration |
| Customer Support | 24/7 (Turkey-based) |
| Dashboard | Analytics, refunds, payouts, fraud tools |
| Payment MethodsCards, bank transfers, digital wallets, BKM Express | |
| Settlement PeriodFast, TRY settlement, T+1 | |
| Mobile IntegrationiOS/Android SDK, Shopify/WooCommerce plugins | |
| DocumentsLocal business registration | |
| Customer Support24/7 (Turkey-based) | |
| DashboardAnalytics, refunds, payouts, fraud tools |
Pros
- Best local support for Turkish market
- Supports all popular Turkish payment methods
- Strong fraud prevention
- Easy integration
Cons
- Higher cross-border fees
- Not ideal for global merchants needing multi-currency
PayU Turkey — Global Coverage + Local Options
PayU combines international reach with strong support for Turkish payment methods, making it ideal for cross-border merchants entering Turkey.
| Feature | Details |
|---|---|
| Payment methods | Cards, wallets, bank transfers, alternative payments |
| Settlement | TRY settlement available |
| Integration | Plugins, APIs, SDK |
| Onboarding | Business verification |
| Dashboard | Real-time reports, analytics |
| Payment methodsCards, wallets, bank transfers, alternative payments | |
| SettlementTRY settlement available | |
| IntegrationPlugins, APIs, SDK | |
| OnboardingBusiness verification | |
| DashboardReal-time reports, analytics |
Pros
- Excellent global infrastructure
- Strong in cross-border payments
- Supports local payment methods
Cons
- More complex integration
- Higher fees for small merchants
PayTR - Fastest Payouts & Great for SMEs
PayTR is known for instant transactions and strong local coverage across e-commerce, POS, and online retail.
| Feature | Details |
|---|---|
| Payment Methods | Cards, bank transfers, wallets |
| Settlement | T+0 or T+1 |
| Mobile Integration | Simple API, mobile SDK |
| Onboarding | Quick |
| Dashboard | Easy UI, fraud filters |
| Payment MethodsCards, bank transfers, wallets | |
| SettlementT+0 or T+1 | |
| Mobile IntegrationSimple API, mobile SDK | |
| OnboardingQuick | |
| DashboardEasy UI, fraud filters |
Pros
- Instant payment settlement
- Wide adoption among Turkish SMEs
- Easy to integrate
Cons
- Fewer enterprise-level tools
Param - Growing Fintech & Modern Payment Ecosystem
Param combines a wallet, POS, card issuing, and gateway services - making it a modern fintech alternative.
| Feature | Details |
|---|---|
| Availability | Only Turkey |
| Supported Payment Methods | Credit cards, debit cards, Troy, installments, wallets (ParamCard), QR payments |
| Currencies | TRY |
| Settlement Time | 1–2 business days |
| Best For | Marketplaces, subscription platforms, SMEs, fintech services |
| Integration | API, plugins (Shopify, WooCommerce, Opencart), mobile SDK |
| Extra Services | ParamPOS, ParamKart, virtual POS, wallet system, prepaid cards |
| Security | PCI DSS, 3D Secure |
| AvailabilityOnly Turkey | |
| Supported Payment MethodsCredit cards, debit cards, Troy, installments, wallets (ParamCard), QR payments | |
| CurrenciesTRY | |
| Settlement Time1–2 business days | |
| Best ForMarketplaces, subscription platforms, SMEs, fintech services | |
| IntegrationAPI, plugins (Shopify, WooCommerce, Opencart), mobile SDK | |
| Extra ServicesParamPOS, ParamKart, virtual POS, wallet system, prepaid cards | |
| SecurityPCI DSS, 3D Secure |
Pros
- Supports QR, Troy, wallets
- Great for marketplace models
Cons
- Not optimized for high-volume international merchants
Stripe (Cross-Border) - For SaaS & Global E-commerce
Stripe is not fully local in Turkey, but can process Turkish cards cross-border.
| Feature | Details |
|---|---|
| Availability in Turkey | Cross-border only |
| Currencies | USD, EUR, GBP (no TRY settlement) |
| Best For | SaaS, subscriptions, global e-commerce |
| Integration | Best-in-class API, plugins, mobile SDK |
| Availability in TurkeyCross-border only | |
| CurrenciesUSD, EUR, GBP (no TRY settlement) | |
| Best ForSaaS, subscriptions, global e-commerce | |
| IntegrationBest-in-class API, plugins, mobile SDK |
Pros
- Best API on the market
- Great for SaaS subscriptions
Cons
- No full local TRY settlement
- Higher fees for Turkish merchants
2Checkout / Verifone - Strong for International Expansion
Paddle offers an all-in-one solution for global sales, focusing on SaaS and B2B/B2C platforms. With no monthly or setup fees, it’s one of the most affordable gateways for your e-commerce store. It simplifies customer payment processes, supports numerous payment options, and emphasizes ease of use and scalability.
| Feature | Details |
|---|---|
| Availability | Global |
| Currencies | 100+ |
| Best For | International sales, digital goods |
| Integration | API, plugins, checkout templates |
| AvailabilityGlobal | |
| Currencies100+ | |
| Best ForInternational sales, digital goods | |
| IntegrationAPI, plugins, checkout templates |
Pros
- Supports global customers
- Easy setup and multi-currency
Cons
- Slow TRY settlements
- Higher fees
How to Choose the Right Payment Gateway in Turkey
Key Criteria
PCI-DSS compliance
Support for cards, wallets, bank transfers
Fraud protection
Fast settlements
Mobile-first checkout
Multi-currency support (if needed)
API documentation & integration tools
Mobile Optimization
Most Turkish consumers pay via smartphones → checkout must take under 5 seconds.
Payment Methods in High Demand
Credit/debit cards
Turkish installment plans
Bank transfers (FAST)
Digital wallets: Papara, BKM Express
Troy cards
Cash on delivery (still used in some areas)
Local vs Global Payment Gateways
| Type | Best For | Pros | Cons |
|---|---|---|---|
| Local Gateways (Iyzico, PayTR, Param) | Turkey-only merchants | Best TRY settlement, local cards | Limited for global expansion |
| Global Gateways (Stripe, 2Checkout, Wise) | SaaS, cross-border | Multi-currency, global reach | Higher fees, no full local support |
Future Trends in Turkish Payments (2025)
Wider adoption of digital wallets
QR & instant bank transfers via FAST
AI-based fraud detection
One-click checkout
Increasing use of Troy (local card scheme)
More mobile-only payment flows
Conclusion - The Best Payment Gateway in Turkey
For local Turkish businesses → Iyzico or PayTR
For global merchants → PayU or 2Checkout
For SaaS & tech companies → Stripe
Choosing the right gateway ensures secure, fast, and seamless online payments - essential for success in Turkey’s dynamic digital economy.
FAQ
Which payment gateway is the best in Turkey?
Iyzico, PayU, and PayTR are the top choices for 2025.
What payment apps work in Turkey?
BKM Express, PayTR Wallet, Papara, and other local wallets.
What is the most used payment method in Turkey?
Credit and debit cards dominate, followed by bank transfers and e-wallets.
Is Zelle available in Turkey?
No, Zelle does not operate in Turkey.
