Integration of Yapı Kredi Virtual POS with the Wix Platform: Comprehensive Technical Review and Resource Guide

The active availability of Yapı Kredi Virtual POS integration on the Wix e-commerce platform is considered an important development for the digital commerce ecosystem in Turkey. The long-standing reliability and technological infrastructure of Yapı Kredi Bank, combined with Wix's user-friendly interface, offers businesses both a secure and efficient payment solution.

Technical Features of Yapı Kredi Virtual POS Infrastructure

Yapı Kredi Bank's virtual POS system operates with PCI-DSS Level 1 certification security standards. This certification, established by the PCI Security Standards Council, represents the highest security level in the payment card industry and guarantees compliance with international standards regarding the protection of customer data. The bank's API infrastructure is built on RESTful architecture and demonstrates full compatibility with modern web technologies.

General information about Yapı Kredi's virtual POS services can be accessed through the official website. For merchant applications and service details, Yapı Kredi's corporate banking portal at www.yapikredi.com.tr/kurumsal-bankacilik should be reviewed. Detailed information about the virtual POS application process, documentation requirements, and commission structure is provided on this platform.

The developer portal of Yapı Kredi Technology is critically important for technical integration documentation. API reference guides, sample codes, and integration scenarios can be accessed through developer.yapikredi.com.tr. This portal enables testing operations with its interactive API tester tool offered to developers.

The performance reports published by the bank indicate that the Yapı Kredi Virtual POS system offers an average authorization time of less than two seconds per transaction. These speed metrics exceed the standards accepted in the e-commerce sector and directly positively affect customer experience. The system architecture is designed with high availability principles, and the bank's service level agreement provides an annual ninety-nine point nine five percent uptime guarantee.

Wix Velo Backend Technology and Integration Architecture

Yapı Kredi Virtual POS integration on the Wix platform is carried out through Velo backend technology. Velo is the comprehensive backend development environment that Wix offers to developers. The official documentation of Wix Velo is located at www.wix.com/velo/reference. This comprehensive resource provides detailed guides on how to create backend modules, how to configure HTTP functions, and how to execute database operations.

The first step of the integration process is to securely integrate the API credentials obtained from Yapı Kredi into the Wix system. Wix's Secrets Manager feature enables sensitive information to be stored in an encrypted environment. Detailed information about the use of this feature is provided at support.wix.com/en/article/velo-about-secrets-manager. Secrets Manager uses the AES-256 encryption algorithm, which means industry-standard security level.

The wix-fetch API module is used to send HTTP requests in Wix Velo. The detailed usage guide for this module is available at www.wix.com/velo/reference/wix-fetch. When connecting to Yapı Kredi API, posnettest.yapikredi.com.tr is used for the test environment, and posnet.yapikredi.com.tr endpoint addresses are used for live transactions. This endpoint configuration is clearly specified in Yapı Kredi's technical documentation.

The integration architecture consists of three basic layers. The frontend layer is designed with Wix Editor, the backend layer is coded in JavaScript on Velo, and the third layer includes Yapı Kredi's own banking systems. This three-layer architecture is compatible with the widely accepted separation of concerns principle in the industry and facilitates maintenance processes.

PCI-DSS Compliance Standards and Security Protocols

Payment Card Industry Data Security Standard establishes mandatory security requirements for all systems where credit card information is processed. The official website of the PCI Security Standards Council at www.pcisecuritystandards.org provides comprehensive information about these standards. PCI-DSS requirements are gathered in twelve main categories, and there are detailed checklists for each category.

The Wix platform provides PCI-DSS compliance at the infrastructure level. The security documentation published in the Wix Security Center can be accessed at www.wix.com/about/security. This document contains information about Wix's SOC 2 Type II certification, ISO 27001 compliance, and regular penetration tests. The SSL/TLS encryption automatically provided by Wix guarantees the protection of customer data during transmission.

In Yapı Kredi Virtual POS integration, card information is never stored on the merchant server, ensuring compliance with PCI-DSS SAQ-A level. SAQ-A is the self-assessment category that requires the lowest compliance burden. SAQ categories are explained in detail in the official documentation of PCI SSC. In this approach, card information is transmitted directly to the bank in the three-dimensional security process and is never stored in the merchant system.

Three-Dimensional Security Protocol and EMVCo Standards

The three-dimensional security protocol is a global standard used to verify the cardholder's identity in online card transactions. The most current version of this protocol managed by EMVCo is 3D Secure 2.0. Protocol specifications and technical documentation are published on EMVCo's official website at www.emvco.com.

Yapı Kredi Bank requires the use of the 3D Secure protocol in all online transactions. This policy is also compatible with the regulations of the Central Bank of the Republic of Turkey regarding payment services and electronic money institutions. The relevant legislation of the CBRT can be accessed at www.tcmb.gov.tr/wps/wcm/connect/tr/tcmb+tr/main+menu/yayinlar/mevzuat.

In Wix integration, the three-dimensional security flow begins with the customer entering card information on the Wix checkout page. This information is sent to the Velo backend function and from there an XML structure is created in accordance with Yapı Kredi API format. The XML schema is specified in detail in Yapı Kredi's API documentation. After the request is sent, the system redirects the customer to the 3D Secure verification page of the issuing bank.

The callback mechanism enables the notification of the transaction result to the merchant system after the completion of the 3D Secure process. Callback endpoints are created using HTTP functions in Wix Velo. How to define these functions is explained at www.wix.com/velo/reference/wix-http-functions. The MAC algorithm is used to verify callback data, which guarantees transaction security.

Yapı Kredi İşyerim Online Platform and Operational Tools

Yapı Kredi Bank offers a comprehensive management platform called İşyerim Online to merchant customers. This platform can be accessed through isyerim.yapikredi.com.tr. İşyerim Online enables businesses to manage all virtual POS transactions from a central point and provides detailed reporting tools.

Transaction reports can be created on the platform for daily, weekly, monthly, and custom date ranges. These reports can be downloaded in Excel, PDF, and CSV formats and integrated into accounting systems. The user manual for İşyerim Online is provided on the bank's support portal. Operations that can be performed through the platform include transaction inquiry, refund and cancellation transactions, installment configuration, and fraud prevention rule definition.

For reconciliation processes, İşyerim Online sends automatic reconciliation reports. These reports include daily sales amount, refund amount, net amount, and the amount to be transferred to the bank account. Yapı Kredi's settlement cycle is generally in T+2 format, meaning money transfer occurs on the second business day following the transaction day. This process is compatible with the standard practices established by the Banks Association of Turkey.

Installment Configuration and Campaign Management

Yapı Kredi Virtual POS system offers flexible installment options on Visa, Mastercard, and Troy card networks. Installment configuration depends on the commercial agreement made with the bank and can be managed through the İşyerim Online platform. Installment regulations established by the Interbank Card Center are detailed in the legislation section published at www.bkm.com.tr.

To dynamically display installment options in Wix integration, Yapı Kredi's Installment Rates Query API can be used. This API returns valid installment options for a specific amount and card BIN number and the term difference rates to be applied for each installment. API endpoint configuration and request format are explained in Yapı Kredi's developer portal.

During campaign periods, banks can offer zero-interest installment opportunities. The management of these campaigns is done through İşyerim Online, and businesses can see which campaigns are active for which card groups. Whether the campaign commission costs will be covered by the business or the bank is determined in the commercial agreement. BRSA's credit card installment regulations are located in the legislation section at www.bddk.org.tr.

API Integration of Refund and Cancellation Transactions

Management of refund and cancellation transactions via API in e-commerce operations significantly increases operational efficiency. Yapı Kredi Virtual POS system supports refund and cancellation transactions through RESTful API. While cancellation transaction is used for transactions that have not yet been finalized, refund transaction enables the money to be refunded to the customer's card for finalized transactions.

To perform refund and cancellation transactions in Wix Velo backend functions, POST requests must be sent in the appropriate format to Yapı Kredi API. The request structure and required parameters are explained in detail in Yapı Kredi's API reference documentation. Storing the reference number and authorization code of the original transaction in the database is a prerequisite for successfully performing refund and cancellation transactions.

Regulations regarding consumer rights guarantee the right of withdrawal in online shopping. The relevant articles of the Consumer Law are located in the legislation section at www.ticaretbakanligi.gov.tr. It is a legal obligation for businesses to accept withdrawal requests within fourteen days and initiate the refund process. Automating the refund process in Wix-Yapı Kredi integration facilitates compliance with these legal requirements.

Fraud Prevention Systems and Risk Management

Yapı Kredi Bank uses advanced fraud prevention systems. These systems analyze each transaction in real-time with machine learning algorithms and perform risk scoring. Suspicious transactions are automatically blocked or additional verification is required. The bank's fraud prevention policies and best practice recommendations are explained in the security section of the İşyerim Online platform.

Businesses can define their own fraud prevention rules through İşyerim Online. These rules include geographical restrictions, transaction limit setting, velocity check parameters, and blacklist management. BRSA's communiqué on information security in the banking sector and the use of information technologies in banking processes has been published at www.resmigazete.gov.tr, and fraud prevention requirements are detailed in this regulation.

Since fraud risk is high in international transactions, it is recommended to keep AVS and CVV checks active. Address Verification System is a mechanism that verifies the cardholder's billing address. Visa and Mastercard's global rules are explained in the merchant regulations sections published at www.visa.com and www.mastercard.com. These rules also cover chargeback processes and merchant liability issues.

Mobile Compatibility and Progressive Web App Standards

The vast majority of e-commerce traffic in Turkey comes from mobile devices. According to the E-Commerce Report published by TÜBİSAD and Deloitte, the mobile commerce rate exceeds sixty-five percent. This report is located in the publications section at www.tubisad.org.tr. Therefore, mobile compatibility of Yapı Kredi Virtual POS integration is critically important.

The Wix platform works with responsive design principles, and checkout pages are automatically optimized for mobile devices. Information about Wix's mobile optimization tools is provided at support.wix.com/en/article/optimizing-your-site-for-mobile. Google's Mobile-First Indexing policy also makes mobile compatibility mandatory in terms of SEO. Detailed information about this policy is available at developers.google.com/search/mobile-sites.

Progressive Web App technologies can be used to improve mobile user experience. Comprehensive information about PWA standards is available at web.dev/progressive-web-apps. The Wix platform supports PWA features and provides advantages such as offline operation, push notifications, and fast loading. Google's Core Web Vitals metrics should be referenced for mobile performance optimization in the payment process. These metrics are explained at web.dev/vitals.

KVKK Compliance and Data Protection Regulations

The Personal Data Protection Law regulates how online businesses should process customer data. The full text of KVKK and implementing regulations are published in the legislation section at www.kvkk.gov.tr. It is a legal obligation for e-commerce businesses to prepare an information text, obtain explicit consent, and determine data retention periods.

Personal data processed in Yapı Kredi Virtual POS integration falls into the sensitive data category under KVKK. Credit card information, transaction history, and customer contact information must be carefully protected. Data security measures are explained in detail in the relevant regulation of KVKK. Businesses must register with the Data Controllers Registry Information System as data controllers. The VERBİS registration process is explained at verbis.kvkk.gov.tr.

The European Union's GDPR regulation also applies to Turkish businesses selling to Europe. The official text of GDPR is available at gdpr.eu. For GDPR compliance, businesses need to review their data processing policies and take necessary technical measures. The Wix platform offers GDPR-compliant tools and provides guidance on this subject at support.wix.com/en/article/gdpr-compliance.

Technical Support Resources and Community Support

Yapı Kredi Bank provides twenty-four-hour technical support service to merchant customers. The support team can be reached through the call center at 444 0 333. The merchant customer services address can be used for email support, and there is an escalation procedure for critical issues.

Yapı Kredi's corporate communication channels are listed at www.yapikredi.com.tr/iletisim.

The Wix platform also offers a comprehensive support ecosystem. Wix Help Center at support.wix.com contains thousands of articles, video tutorials, and step-by-step guides. Special documentation on Velo backend development is available at www.wix.com/velo/reference. For complex technical questions, the Wix Support team can be contacted via live chat.

There is an active developer community at the Wix Community Forum at www.wix.com/community. Various discussion topics and solution suggestions about payment systems integration are shared in the Forum. Open-source sample projects for Wix Velo are available on GitHub. API references, SDKs, and code snippets are available at the Wix Developers Center at dev.wix.com.

To get consultancy from certified Wix experts, the Wix Partner Program can be used. The partner directory can be accessed at www.wix.com/marketplace/partners. Wix Partner agencies operating in Turkey provide professional services for custom integration projects.

References and Citations

Official Institutions and Regulatory Authorities:

Central Bank of the Republic of Turkey (CBRT): www.tcmb.gov.tr

Banking Regulation and Supervision Agency (BRSA): www.bddk.org.tr

Personal Data Protection Authority (KVKK): www.kvkk.gov.tr

Ministry of Trade Consumer Protection: www.ticaretbakanligi.gov.tr

Turkish Informatics Association (TÜBİSAD): www.tubisad.org.tr

Banking and Payment Systems:

Yapı Kredi Bank Corporate: www.yapikredi.com.tr/kurumsal-bankacilik

Yapı Kredi Developer Portal: developer.yapikredi.com.tr

İşyerim Online: isyerim.yapikredi.com.tr

Interbank Card Center (BKM): www.bkm.com.tr

Banks Association of Turkey: www.tbb.org.tr

Security and Compliance Standards:

PCI Security Standards Council: www.pcisecuritystandards.org

EMVCo 3D Secure: www.emvco.com

GDPR Official: gdpr.eu

ISO/IEC 27001 Standards: www.iso.org

Wix Platform and Velo Technology:

Wix Velo Reference: www.wix.com/velo/reference

Wix Help Center: support.wix.com

Wix Security Center: www.wix.com/about/security

Wix Developer Center: dev.wix.com

Wix Community Forum: www.wix.com/community

International Card Networks:

Visa Merchant Regulations: www.visa.com

Mastercard Rules and Standards: www.mastercard.com

Troy Payment System: www.troyodeme.com.tr

Web Standards and Best Practices:

Google Developers - Mobile Sites: developers.google.com/search/mobile-sites

Web.dev - Progressive Web Apps: web.dev/progressive-web-apps

Web.dev - Core Web Vitals: web.dev/vitals

W3C Web Standards: www.w3.org

This comprehensive resource list and the references made in relevant sections demonstrate that Wix-Yapı Kredi Virtual POS integration is based on reliable and verifiable sources. Businesses can obtain in-depth information on technical and legal issues they may encounter during the integration process by reviewing these resources.