Turkish Bank Virtual POS Integrations Officially Launched on Wix

Wix activating virtual POS integrations fully compatible with Turkish banks has created a significant turning point in the Turkish e-commerce ecosystem. While eliminating dependency on global payment systems, this development offers businesses the opportunity to benefit from the advantages of local banks. Wix users have now become able to receive secure and low-cost payments by directly using the virtual POS infrastructures of Turkey's leading banks.

Supported Turkish Banks

The Wix platform offers integration possibilities with the virtual POS systems of Turkey's largest and most widely used banks. Each bank provides its own unique advantages and features.

In the public banks category, Ziraat Bank offers state bank assurance, a wide customer base, and advantageous rates specific to SMEs. Halkbank provides campaigns specific to small businesses, tradesman card advantages, and competitive commission rates. VakıfBank stands out with corporate reliability, a wide branch network, and flexible installment options.

In the private banks category, Garanti BBVA offers an advanced fraud protection system, comprehensive reporting tools, and Bonus card advantages. Akbank provides strong technological infrastructure, Axess card campaigns, and a fast integration process. Yapı Kredi makes a difference with its World card ecosystem, point earning systems, and widespread customer base. As Turkey's largest private bank, İş Bankası offers Maximum card advantages and comprehensive business solutions. DenizBank adopts a flexible commission structure, fast approval processes, and an SME-friendly approach. QNB Finansbank provides CardFinans advantages, digital-focused solutions, and competitive rates.

In the participation banks category, Kuveyt Türk offers POS solutions compliant with interest-free banking principles, an ideal option for businesses focused on halal trade, and competitive profit share rates.

Importance of This Development

The activation of Turkish bank integrations on Wix provides critical advantages in many respects.

When advantages for businesses are evaluated, 30-50% lower transaction costs are achieved compared to international payment systems thanks to low commission rates. Installment options ranging from 2 to 12 months meet the expectations of Turkish consumers. With 3D Secure safety, customers approve transactions on their own banks' security screens. Cash flow improves with weekly payment cycles thanks to fast settlement. Turkish technical support and branch network access are provided with local support.

Among advantages for customers, there is approving transactions on familiar bank screens as a reliable payment experience. The opportunity to benefit from discounts specific to bank and card programs is offered with card campaigns. Payment ease is provided in large-amount purchases with installment shopping. Point and mile earning from card programs continues thanks to point earning.

When effects for the market are evaluated, e-commerce accessibility increases, making it easier for SMEs to transition to online sales. The balance of competition changes, strengthening Wix's position in the Turkish market. Digital transformation accelerates, enabling more businesses to step into e-commerce.

Technical Infrastructure and Integration Process

Turkish bank POS integration on Wix is carried out via the Velo by Wix development platform.

As integration components, Velo Backend services are used for JavaScript-based server-side coding. Wix Secrets Manager is preferred for secure storage of API information. HTTP Functions are used to process bank callbacks. Wix Stores API provides order management integration.

General integration steps proceed as follows: First, a virtual POS application is made to the bank, and approval is received. Then, API information (Merchant ID, Terminal ID, passwords) is obtained. Backend codes are developed in the Wix Velo environment. 3D Secure redirection and callback processes are configured. Comprehensive tests are carried out in the test environment. Finally, the switch to the production environment is made.

Common technical requirements include SSL certificate (HTTPS mandatory), static callback URLs, hash/MAC calculation algorithms, XML or JSON API communication, and UTF-8 character encoding.

Feature Comparison by Bank

Each bank's virtual POS system offers different features and advantages.

In terms of 3D Secure support, all banks (Ziraat, Garanti, Akbank, Yapı Kredi, İş Bankası, VakıfBank, Halkbank, Kuveyt Türk, DenizBank, QNB Finansbank) provide 3D Secure 2.0 support.

When maximum installment options are evaluated, Garanti, Akbank, İş Bankası, VakıfBank, DenizBank, and QNB Finansbank offer 12 installments, while Ziraat, Yapı Kredi, Halkbank, and Kuveyt Türk offer 12 installments (18-24 installments during campaign periods).

As prominent advantages, Ziraat stands out with state assurance, Garanti with advanced fraud protection, Akbank with fast integration, Yapı Kredi with the World point system, İş Bankası with a wide customer base, VakıfBank with corporate solutions, Halkbank with SME advantages, Kuveyt Türk with interest-free banking, DenizBank with flexible rates, and QNB Finansbank with digital focus.

Security Standards

All Turkish bank integrations operate in compliance with international security standards.

As security protocols, cardholder identity verification is ensured with 3D Secure 2.0. Card data security standards are met with PCI DSS compliance. Data transmission security is ensured with SSL/TLS encryption. Secure storage of card information becomes possible with tokenization. Suspicious transaction detection systems are active with fraud detection.

Business responsibilities include secure storage of API information, compliance with PCI DSS requirements, regular security updates, and staff security training.

Commission and Cost Advantages

Turkish bank POSs offer significant cost advantages compared to international alternatives.

When comparative cost analysis is done, while international systems (Stripe, PayPal) charge 2.9% plus a fixed fee per transaction, Turkish banks apply a commission between 1.5-2.5% per transaction. While international systems generally do not offer installment support in installment transactions, Turkish banks provide installment possibilities with maturity difference. While 1-2% additional cost occurs in currency conversion in international systems, there is no additional cost in TL transactions in Turkish banks. While the settlement period is 7-14 days in international systems, it varies between 1-7 days in Turkish banks.

As cost optimization suggestions, commission negotiation based on turnover should be done, flexibility should be ensured with multi-bank POS, special rates should be followed during campaign periods, and annual contract advantages should be evaluated.

Integration Process and Timeline

A typical Turkish bank POS integration goes through certain stages.

Process stages proceed as follows: Bank application takes 5-14 business days, and necessary documents are prepared and applied. Obtaining API information takes 1-3 business days, and information arrives via email after approval. The development process takes 3-7 business days, and backend coding and integration are done. The test phase takes 2-5 business days, and comprehensive tests are carried out in the test environment. Going live takes 1-2 business days, and the switch to the production environment and verification are done. The total time is calculated as 12-31 business days, and the time shortens with an experienced developer.

Acceleration factors can be listed as pre-prepared documents, existing banking relationship, experienced integration partner, and ready code infrastructure.

Which Bank to Choose?

Choosing the right bank depends on the characteristics and goals of the business.

As selection criteria, existing banking relationship should be evaluated; there may be advantageous rates at the bank already being worked with. The target customer profile should be analyzed, and bank cards used intensively by customers should be determined. Sector compatibility should be observed; some banks offer advantages specific to certain sectors. The commission structure should be compared, and the most suitable rates based on transaction volume should be identified. Technical support quality should be investigated; support is important during the integration process.

Sectoral recommendations can be listed as follows: Garanti, Akbank, Yapı Kredi are recommended for retail and e-commerce because they offer a wide card base and campaign opportunities. VakıfBank, İş Bankası are recommended for the health sector because they provide corporate reliability and installment flexibility. Ziraat Bank is recommended for agriculture and food because there are sectoral campaigns and SME advantages. Halkbank, DenizBank are recommended for small businesses because they offer an SME-friendly approach and flexible rates. Kuveyt Türk is recommended for halal trade because it ensures compliance with interest-free banking principles.

Multi-POS Strategy

Using more than one bank POS can provide flexibility and advantage.

Among multi-POS advantages, campaigns specific to different bank cards can be offered as a customer preference. Dependency on a single bank decreases thanks to risk distribution. The most suitable POS can be selected according to transaction type with commission optimization. Different bank campaigns are utilized with campaign flexibility.

As an implementation strategy, the primary POS should be determined for high-volume transactions. The secondary POS should be used for special campaigns and backup. Routing to the appropriate POS based on the card BIN can be done with automatic routing.

Future Expectations

This move by Wix in the Turkish market points to further developments in the future.

Among expected developments are the addition of other banks with more bank integrations, detailed POS analytics in the Wix panel with advanced reporting tools, automatic matching between bank and Wix with automatic reconciliation, physical point of sale support with mobile POS integration, and AI-supported fraud protection.

When the impact for the Turkish e-commerce market is evaluated, more SMEs transitioning to e-commerce, increased competitiveness with international platforms, and contribution to the growth of the digital economy are expected.

Wix starting to support Turkish bank virtual POS integrations is a turning point development for the Turkish e-commerce ecosystem. Businesses have now become able to make online sales by benefiting from the low commission rates, installment possibilities, and reliable infrastructure of local banks. A wide range of banks from Ziraat Bank to Garanti, from Akbank to Yapı Kredi offers solutions suitable for the needs of businesses of all scales. These integrations move Wix to a much stronger and more competitive position in the Turkish market while eliminating one of the biggest obstacles for businesses wanting to step into e-commerce.