Even 10 years ago, when you were going to start a business, your store location, display, ad banner and showcases were the places you would pay the most attention. Today, when we look at it, we see that these carefully crafted stores have been replaced by meticulously constructed e-commerce websites.
The rapidly changing habits of the world, the focus of the flow of life on mobile phones, computers and tablets and the search for quick and practical solutions lead the masses to shop from e-commerce sites. In order to do it the right way, entrepreneurs need to act very carefully and most importantly, they need to be able to offer safe shopping opportunities.
One of the biggest questions that appeared in the minds of not only the big brands, but also the small and medium-sized businesses that turned to e-commerce sites where online shopping could be done, was the question of how payment systems work in e-commerce sites. We decided to do research on the most preferred payment methods on e-commerce websites and how these systems work and share it with you.
E-commerce website payment systems
There are many ways you can make money on e-commerce websites. After designing your e-commerce website, it is crucial for your virtual potential customers to choose the payment methods that you will use in the right way. The most preferred payment methods by both online shoppers and e-commerce companies are wire transfer/wire transfer, payment at the door, mobile payment and of course the virtual point of sale payment which leaves most question marks in mind.
Payment systems using physical money
Payments made with physical money on your e-commerce site are golden for your potential customers who don't have a credit card or don't want to use their card information on the Internet, or whose credit cards are closed for online shopping. You can make payment methods using physical money by wire transfer / wire transfer or pay at the door. This system is actually an online system of payment methods that you may use while shopping in a store. Today, many internet users still prefer these payment methods because they find them safer.
Electronic transfer / wire transfer method
transformation; EFT is a system that allows you to transfer funds in the same bank and transfer funds between different banks. The wire transfer/wire transfer option, besides being the best alternative to a virtual POS app, is a great opportunity especially for your customer base who are concerned about the security of their information on the internet. Ecommerce companies should definitely have this payment method in order not to miss out on your potential customers who have reservations in terms of security. Today, although this method is not favored by very large brands, it is among the preferences of companies with small and medium-sized e-commerce sites. Because of this, remittance/wire transfer systems are a payment system that we use a lot on e-commerce sites.
Payment system at the door
The payment system at the door is a system in which the customer completes his shopping through the e-commerce site by committing to pay at the door. Payment is made upon delivery of the product, especially from the person provided by the shipping companies, and this can be cash or by credit card. Although the payment method at the door is a beneficial system for buyers, it is a very risky method for e-commerce companies. The biggest reason for this risk is that the customer tends to give up during the shipping period after making the purchase on the site. In addition, if the customer cannot be found at the delivery address, there is also a case that the e-commerce company receives the payment late. In other words, while door-to-door payment systems are a good option from a customer's point of view, they pose a risk to businesses.
Mobile payment system
In this system, which is characterized by the ease of payment, approval is obtained for each payment with the code being sent to the customer's phone number. In this system, the amount to be paid is reflected on the telephone bills of customers using postpaid lines. Payments of customers using prepaid lines are received by reversing them at the TL specified in their lines. Mobile payment is the method frequently used by e-commerce businesses and customers because it is faster than other payment methods.
Virtual payment systems at points of sale
It is one of the biggest question marks among companies who are going to set up an e-commerce website, as it is the system of choice among customers who shop from e-commerce websites. Thanks to POS virtual payment systems, payments can be accepted from credit cards, virtual cards, debit cards and prepaid cards. With the virtual POS method, on the one hand, the information of the paying customer is verified, on the other hand, the payment process is performed. Just as shopping is done by swiping the card through the point of sale device during actual shopping, the information in the virtual point of sale is checked by entering it manually, since there are no points of sale.
Virtual POS, an easy-to-understand and applicable payment method, can be integrated into all e-commerce websites. As Saruhan Web Agency, we offer the integration of virtual POS systems in the e-commerce websites that we implement.
Security and virtual point of sale
An SSL certificate, which banks require to be present on e-commerce websites, is implemented to prevent customers' credit card information from falling into the hands of malicious people during a transfer. Thanks to the SSL certificate encryption system, virtual POS fraud can be prevented at a high rate. In addition, the 3D Secure system is also used to increase security and provide additional security. Created to make e-commerce websites more secure, 3D Secure works on a GSM number linked to a bank account. With the double security system created in this way, it creates high reliability in terms of both potential customers and e-commerce business. In the e-commerce websites that we have created, we work with the aim of providing maximum security to both our clients and their customers. We are with you for e-commerce sites that have integrated virtual POS systems of all banks and whose security has been maximized with an SSL Certificate!
How to buy virtual POS?
This question is one of the most confusing for people who want to start an e-commerce business. Although it may seem like a complicated and lengthy procedure, having a virtual point of sale for your business with complementary steps and follow-up can be much easier than you think.
E-commerce businesses must apply to BRSA approved banks or payment institutions in order to receive the Virtual POS service. In order to be able to apply to banks, e-commerce websites must have products or services to be sold, and criteria such as membership agreement, sales contract, return and cancellation procedures, and distance sales contract must be complete. In addition, in the virtual point of sale applications provided to banks, documents such as identity card form, signature circular, partnership agreement and tax plate must be completed. After the virtual POS applications are approved within the process defined by the bank, the information sent by the bank is integrated with the virtual POS module installed on the site. All banks in Türkiye have membership and entry fees.
Since creating individual banking applications creates a tiring, complex and at the same time costly situation in the work-intensive rhythm of most e-commerce companies, they prefer intermediary payment companies that provide virtual payment system services at points of sale. In this way, it is possible to speed up the process while managing it better. Of course, when cooperating with an intermediary payment company, various costs such as intermediary companies' commission fees and fees for each transaction arise. The commission costs and transaction fees we mentioned here vary according to each company and even in many areas such as the maturity rates of companies in cooperation, collection periods, and the inventory size of e-commerce companies.
Intermediary companies that provide the most preferred virtual POS payment system service in Turkey; Companies like iyzico, PayNet, PayTR, iPARA, and WireCard. As Saruhan Web Agency, we install Virtual POS through all these intermediary companies. If we open these businesses and their services;
What is WireCard?
Mikro Payment / 3PAY, the number one business partner and mobile payment leader for all GSM operators in Turkey, acquired Wirecard AG in November 2014 and became Wirecard Payment and Electronic Para Hizmetleri A.Ş. It was .. Unlike other intermediary companies, rates for installment transactions are different. The most useful service by e-commerce companies is Make payments the next day . Additionally, they stand out because they don't charge annual service fees, transaction fees, and chargeback fees. Payments are received in Turkish Lira, US Dollars, Euros, British Pounds and Russian Rubles, and at the same time, the received payment is transferred to the accounts of member merchants at the exchange rate on the day it was received.
Wirecard's current commission fee
The commission that will be paid including taxes per transaction for all cash transactions that you will make is 2.39%. Wirecard does not charge an annual service fee, setup fee, per-transaction fee, or chargeback fee.
Iziko
It is a payment intermediary company that provides services such as Virtual POS, Protected Remittance, EFT and on-market payment solutions to Iyzico and e-commerce companies. At the same time, it is growing day by day through its partnership with PayU, which is also an intermediary company for virtual POS payment tools. In general, IyziCo is characterized by the absence of membership and registration fees. Iyzico customers make their payments weekly on Wednesdays. Bonus, World, Maximum, Cardfinans, Paraf, Axess and Advantage credit card installments are available. In installment transactions, it does not pay its clients in parts, but as an amount from which the payment is received, on the following Wednesday of the week in which the payment was received.
Iyzico's current commission fee
It applies commission rates starting from 2.79% and a transaction fee of 0.25 TL per successful transaction for institutional sellers. There is no initial payment of fees at Iyzico.
PayNet
PayNet is a financial technology company with B2B activities offering easy and secure online payment solutions. It is compatible with all debit and credit cards. Along with other companies, PayNet customers have to pay membership fees according to the package they choose. PayNet pay Weekly payments to e-commerce member merchants . Payment is made in installments after deducting the service fee from the total amount.
Current PayNet commission fee
PayNet charges a certain entry fee depending on the package selected.
PayTR
PayTR; It offers all kinds of payment services such as Virtual POS, Link Payment, Marketplace, Card Storage, Mobile POS, Recurring Payment (Subscription model), Wire Transfer / Wire Transfer to companies with E-commerce Websites, Mobile Applications and B2B Payment Collection business model. PayTR charges no membership fees like most other brokerages. The most important point that stands out and makes it attractive to ecommerce businesses is that there are no hidden fees. Compatible with all banks.
Current PayTR commission fee
Commission rates are determined according to product inventory, turnover and monthly turnover of e-commerce companies.
will be done transformation Payments for successful transactions to your account within business hours of next business day . PayTR does not make payments on public holidays (religious and public holidays) and weekends. Payments will be credited to your account on the first business day after the end of the public holiday.
iMoney
iPara is a payment intermediary company that provides online payment solutions in e-commerce business. The payment period for international transactions is 21 working days. Commission rates for member firms are determined from the initial application and received as an offer via email after meeting with client services. The most beneficial service for businesses is the no annual fee for the Virtual POS service.
iPara's current commission fee
Single withdrawal commission rate applicable to all transactions foreign that Made through iPara is 2.99%.
As Saruhan Web Agency, we evaluate and implement the most suitable payment system for you in e-commerce website setup, together with you. For more detailed information about designs that best represent the commercial presence of your business in the digital world and payment systems with which you can create trust-based links with your customers, you can reach us from our contact information.
English 
Arabic 
German 
Swedish 
Italian 
Spanish 
Serbian