Using QNB Finansbank POS on Wix

Using QNB Finansbank POS on Wix is made possible by processing the bank's API services through the Velo backend. This integration offers businesses a payment process that is both secure and transparent. Being able to use a local bank POS on the Wix platform provides significant convenience, especially for companies already working with QNB Finansbank.

Is QNB Finansbank Virtual POS Compatible with Wix?

Yes, QNB Finansbank Virtual POS can be used on the Wix platform. This integration is carried out through a custom backend structure using the Velo by Wix development environment. Once the API information obtained from the bank is defined in the system, QNB Finansbank POS works in full compliance on Wix.

Opportunities provided by the integration include secure payments supported by 3D Secure 2.0, CardFinans and other card program advantages, flexible installment options ranging from 2 to 12 months, fast provision and transaction approval, competitive commission rates, and comprehensive reporting capabilities.

When the technical structure is examined, the Velo development environment is used for custom POS integrations outside of Wix's standard payment systems. A secure connection is established to the QNB Finansbank API via backend codes. 3D Secure redirects and callback processes are managed. Order status updates are performed automatically.

Advantages of QNB Finansbank POS

As one of Turkey's leading banks, QNB Finansbank offers comprehensive payment solutions to e-commerce businesses.

When bank advantages are evaluated, integration with the CardFinans and Bonus card ecosystem stands out. Access to a wide customer base is provided. Advantageous commission rates are available for SMEs. It possesses a strong digital banking infrastructure. 24/7 technical support service is offered.

Payment features include support for Visa, Mastercard, Troy, and American Express, security reinforced with 3D Secure 2.0, flexible installment options, BIN-based campaign management, and advanced fraud protection systems.

Application Process and Required Information

Before starting to use QNB Finansbank POS on Wix, a virtual POS application must be made to the bank.

Documents required for application include a current tax plate, notarized signature circular, copy of the trade registry gazette, certificate of activity, photocopy of the company official's ID, website URL and content information, and QNB Finansbank account details.

API information to be received after application approval includes MbrId (Merchant Number - 5 digits), MerchantId (Workplace Code - 16 digits), MerchantPass (Workplace Password), UserCode (User Code), UserPass (User Password), and SecureKey (3D Secure encryption key).

Application channels include QNB Finansbank branches, the online application portal, commercial banking representatives, and the QNB Finansbank business banking line.

Integration Steps on Wix Velo

The integration is performed via the Velo by Wix development environment. The connection process begins with defining the API information in the system.

Velo installation steps are as follows: Dev Mode is activated in the Wix Editor. A finansbankPOS.jsw file is created in the Backend folder. API information is stored securely in the Secrets Manager. Callback endpoints are defined with HTTP functions.

For Secrets Manager configuration, recommended secret names are FINANSBANK_MBR_ID, FINANSBANK_MERCHANT_ID, FINANSBANK_USER_CODE, FINANSBANK_USER_PASS, and FINANSBANK_SECURE_KEY. This information must absolutely not be present in frontend codes.

API endpoint information used is vpostest.qnbfinansbank.com for the test environment and vpos.qnbfinansbank.com for the production environment.

3D Secure Payment Flow

During the payment flow, the customer is automatically redirected to QNB Finansbank's 3D verification screen while making a payment on Wix.

The payment flow operates as follows: The customer clicks the payment button on the cart page and enters card details into secure form fields. The system calculates hash values in the background and prepares form data. The customer is automatically redirected to the QNB Finansbank 3D Secure page. The transaction is verified via SMS code or QNB Mobile approval. After the user completes the bank's security steps, the transaction result is transmitted to the system via the callback URL. Once this data is verified, the payment is processed into the Wix order system. The customer is redirected to the successful payment page.

For Callback URL configuration, two endpoints are defined. SuccessUrl is created in the format https://www.yoursitename.com/_functions/finansbank-success for successful transactions, and FailUrl is created in the format https://www.yoursitename.com/_functions/finansbank-fail for failed transactions.

Hash Calculation and Security

QNB Finansbank requires hash verification to ensure transaction security. Hash calculation is a critical component of the integration.

Hash calculation parameters are combined in a specific order and encrypted with the SHA-512 algorithm. Parameters are used in the order of MbrId, OrderId, Amount, OkUrl, FailUrl, TxnType, InstallmentCount, Rnd, and SecureKey.

Hash calculation rules require that parameters must be combined in the specified order. No spaces or separator characters should be used. The amount must be written including cents, without dots or commas. Encoding must be UTF-8.

Security measures include storing API information in the Secrets Manager, mandatory use of the HTTPS protocol, performing hash verification for every transaction, and PCI DSS compliant configuration.

Installment and CardFinans Advantages

QNB Finansbank POS offers comprehensive installment options and CardFinans program advantages.

For installment parameters, the InstallmentCount value is used. For single payments, it is sent empty or as 1. For installment transactions, values 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12 are used.

Within the scope of CardFinans advantages, additional installment opportunities, point earning and spending capabilities, advantageous offers during special campaign periods, and BIN-based campaign management are offered to CardFinans cardholders.

With BIN-based installment control, using the first 6 digits of the card number, applicable installment options and campaigns for that card can be queried.

Error Management

Comprehensive error management in payment integrations is critical for user experience.

Common error codes and descriptions are as follows: Code 00 indicates a successful transaction, 01 calls the issuing bank, 05 indicates a declined transaction, 12 indicates an invalid transaction, 14 indicates an invalid card number, 33 indicates an expired card, 41 indicates a lost card, 43 indicates a stolen card, 51 indicates insufficient funds, 54 indicates the card has expired, and 91 indicates no response from the bank.

As an error management strategy, understandable messages should be shown to the user, technical details should be logged, a notification system should be established for critical errors, and a retry mechanism should be applied when necessary.

Testing and Going Live

After the integration is completed, a comprehensive testing process is mandatory.

Test environment information is provided via the test endpoint address vpostest.qnbfinansbank.com. Test card information is transmitted by QNB Finansbank after application approval.

Test scenarios such as successful single payment, successful installment payments, payment with CardFinans card, insufficient funds scenario, invalid card scenario, 3D Secure timeout scenario, refund transaction, and provision cancellation transaction should be tested.

Steps for going live are as follows: All test scenarios are successfully completed. Test environment information is replaced with production information. Endpoint URLs are updated. The first real transaction is tested with a low amount. The transaction is verified from both the Wix panel and the QNB Finansbank POS panel.

Reporting and Tracking

Post-integration payment movements can be monitored from both the Wix and QNB Finansbank panels.

For tracking on the Wix side, orders are tracked from the Wix Stores Dashboard. Payment statuses are viewed. Wix Analytics can be used for custom reporting.

Within the scope of tracking on the QNB Finansbank POS panel, daily transaction summaries, installment distribution reports, card type-based analysis, CardFinans transaction reports, refund and cancellation reports, and reconciliation reports can be viewed.

The ability to use QNB Finansbank POS on Wix provides great convenience, especially for companies working with the bank. This structure offers businesses both a secure and transparent payment process. The CardFinans ecosystem, competitive commission rates, and strong technological infrastructure provide significant advantages to businesses. When the integration is complete, 3D Secure-supported secure payment flows operate seamlessly, and the business owner can monitor all payment processes from both sides.