Wix İş Bankası Virtual POS Integration: A Step-by-Step Guide to Secure E-Commerce

Wix supports İş Bankası virtual POS integration, making it possible for businesses to receive payments via their local bank.

İş Bankası Virtual POS Integration with Wix: Complete Guide

Why Is This Important?

If you want to do e-commerce in Turkey, a reliable payment system is essential. İş Bankası Virtual POS meets this need by integrating with the Wix platform.

Important Note: İş Bankası is one of Turkey's most established and widely used banks. As of 2025, it offers virtual POS services for an annual fee of 13,999 TL (including BITT)¹.

Key Features of İş Bankası Virtual POS

1. Security Infrastructure

3D Secure System - Here's the most important aspect:

3-layer verification is performed during payment transactions
Encrypted communication between Customer → Bank → Merchant²
Additional verification via SMS or mobile application
Significantly reduces fraud risk³

PCI-DSS Compliance: İş Bankası is fully compliant with international payment security standards⁴. This means credit card information is protected at the highest security level.

2. Supported Card Types

With İş Bankası Virtual POS, you can accept the following cards¹:

Visa
Mastercard
American Express
UnionPay
JCB
TROY

Bonus: You can accept payments with both credit cards and debit cards.

3. Installment Options

Your customers can make installment payments:

Single payment (with all cards)
Installment sales (with credit cards)
Deferred payment sales (Maximum Fırsat)
MaxiPuan usage option¹

Note: Installment rates vary according to commission rates set by banks⁵.

How Does Wix Integration Work?

Integration Methods

To use İş Bankası Virtual POS on the Wix platform, third-party integrators are generally used⁶:

1. Blakfy Integration:

Professional integration service
Full support from application to go-live process
Testing and security checks⁶

2. Via PayTR / Sipay:

Quick setup
Next-day payment reception⁷
Installment options up to 18 months⁷

3. İyzico Integration:

Payment in different currencies (TL, Dollar, Euro, Sterling)
Installment and single payment options
PCI-DSS Level 1 security⁸

Required Information for Setup

Information you'll receive from İş Bankası⁹:

Store Number
API User
API Password
Visible Store Name
3D Security Key

Attention: It's critically important that your 3D Settings are in "3D_PAY" mode⁹. Otherwise, the integration won't work.

3D Secure: How Does It Work?

Step-by-Step Payment Process

Customer enters payment information → Card number, expiration date, CVV
System checks card compatibility → Is it 3D Secure enabled?
Bank verification screen opens → Secure payment page
One-time code arrives → SMS or mobile app notification
Customer enters code → Identity verification completed
Payment is processed → Money is securely transferred²⁻³

Risk-Based Authentication

Modern 3D Secure systems work intelligently³:

Minimum friction for low-risk transactions
Additional security layers for suspicious transactions
Device information and transaction history analysis
Automatic blocking of fraudulent transactions

Advantages for Your Business

1. Security Guarantee

Chargeback Protection: For merchants not using 3D Secure, liability for unauthorized transaction claims belongs to the merchant¹⁰. With İş Bankası Virtual POS, this risk is transferred to the banks.

2. Customer Trust

According to research¹¹:

Shopping rate from sites using 3D Secure increases by 70%
Customers spend more on secure sites
Return and dispute rates decrease

3. Easy Management

Through Wix:

You can organize installment options
You can manage post-payment refund/authorization transactions
You can access sales reports instantly⁶

4. Technical Support

İş Bankası offers advanced software infrastructure⁴:

Easy integration
Detailed reporting in different formats
24/7 technical support line

Pre-Installation Checklist

Preparations before İş Bankası Virtual POS application¹²:

✅ Legal Requirements:

You must have an established company (mandatory in Turkey)
E-Commerce certificate
Signature circular
Tax plate
Trade registry gazette

✅ Technical Requirements:

SSL certificate on your website (minimum 128 bit)
Permanent domain name
Products added
Contracts completed¹²

✅ Content Requirements¹:

Product return conditions
"I accept" option
Customer service contact information
MasterCard, Visa, AmEx logos

Warning: You must not sell products prohibited by law.

Commission and Costs

Fixed Costs

İş Bankası annual fee: 13,999 TL (including BITT)¹
Integrator fees: Varies by service provider⁶

Variable Costs

Installment commissions: Depends on bank and number of installments
Transaction commissions: Custom rates per customer¹

Tip: İş Bankası can offer favorable commission rates customized for businesses.

Common Problems and Solutions

Problem: 3D Verification Code Not Arriving

Solutions³:

Check the phone number registered with the bank
There may be operator congestion, try again
Contact the bank to update the number

Problem: "3D_PAY" Error

Solution⁹: Contact İş Bankası and inform them that the 3D model type needs to be changed to "3D_PAY".

Problem: SSL Certificate Warning

Solution¹: You must obtain a 128-bit encrypted SSL certificate. Alternatively, you can use İş Bankası's Secure Payment Pages.

Conclusion: Why İş Bankası + Wix?

Strengths: ✓ Turkey's most established bank ✓ High transaction success rate ✓ Fast authorization process ✓ Comprehensive card support ✓ Advanced security protocols

Potential Challenges: ⚠ Setup process may require technical knowledge ⚠ Third-party integrator needed ⚠ Annual fixed cost

In conclusion, Wix's İş Bankası Virtual POS integration offers a reliable and professional solution for businesses wanting to do e-commerce in Turkey. With proper setup and configuration, you can provide your customers with a seamless, secure payment experience.