Türkiye's
financial infrastructure.

Virtual POS, money transfer, wallet, bill payment, open banking and fraud. All behind a single API, integrated with every bank in Türkiye. Payment institutions, banks and fintechs build their growth on Payven.

Request demo Explore products

All banks

integrated through one API

99.99%+

uptime SLA

Days

to go live

Canlı yönlendirme · prod

tx_8f4a2c

İstek

Tutar

₺2.450,00

Kart

**** 4506

Taksit

3 ay

3DS

Geçti

BIN

415628

Karar motoru

puanlıyor…

Garanti BBVA

%98

İş Bankası

%92

Yapı Kredi

%87

Yanıt

Onaylandı

Banka

Garanti BBVA

Onay no

G42811

Süre

412ms

Webhook

teslim edildi

200 OK·captured

Infrastructure that passes audits cleanly. Built to make your compliance team's job easier.

TCMB

uyumlu ödeme altyapısı

PCI DSS

Level 1

KVKK

veri Türkiye'de barınır

ISO 27001

bilgi güvenliği standardı

Canlı banka skorları

Banka seçimini veri yapar,
ekibiniz değil.

Her banka konnektörü canlı trafikten gelen başarı oranı ve gecikmeyle saniyeler içinde puanlanır. Trafik en yüksek skorlu bankaya yönlendirilir, arıza anında alternatife geçilir.

Garanti BBVA%98.6

İş Bankası%97.4

Yapı Kredi%96.9

Halkbank%95.2

Ziraat%96.1

Denizbank%97.8

Vakıfbank%94.8

QNB%96.3

Kuveyt Türk%95.6

Yönlendirilen·Sağlıklı

Numbers measured in production.

Drawn from what customers see in their Payven dashboards. The values below come from the last 12 months of live transaction data.

Acceptance uplift

ilk 3 ay

+0,0%

Average increase in acceptance rate within the first 3 months after smart routing goes live.

Reconciliation time

3 günden

0sa

Bank files auto-match. The 3-day close drops to 1 hour.

Platform uptime

son 12 ay

0,00%

Last 12 months of actual uptime, above target SLA.

Routing decision

60ms altı

0ms

Every payment request is scored under 60ms before hitting any bank.

dashboard.payven.com.tr

Canlı

Türkiye's broadest virtual POS infrastructure.

Accept card payments from every major bank in Türkiye. Even if one bank goes down, your payments keep flowing and your acceptance rate stays at peak.

Accept card payments from every major bank in Türkiye and watch acceptance live
Offer 3D Secure, installments, subscriptions, card vault and marketplace flows in one stack
Route around bank outages automatically so customers never notice
Manage sub-merchant hierarchy, define commission rules, access the audit trail

Explore Virtual POS

dashboard.payven.com.tr

Canlı

para_transferi.csv

1.247 alıcı · ₺4.872.300

CANLI · İŞLEMLERALICI · KANAL · TUTAR

Ayşe Y.GARANTİ FAST₺100,00

Mehmet K.AKBANK FAST₺150,00

Can D.İŞBANK FAST₺200,00

Selin A.YAPI KR. FAST₺250,00

Burak Ö.DENİZ EFT₺100,00

Zeynep T.GARANTİ FAST₺150,00

BATCH İŞLENİYOR

0 / 1.247

Money transfers in seconds, without limits.

Send payroll, pay suppliers and run refunds from one place. Push thousands of transfers at once and let bank reconciliation run on autopilot.

Move FAST, EFT and wire transfers across multiple bank channels
Send thousands of transfers in a single file with IBAN validation
Run with four-eyes approval, recipient whitelisting and risk controls
Auto-reconcile against bank statements and resolve discrepancies in the dashboard

Explore Money Transfer

Müşteri bakiyesiKYC Tier 2

Ayşe Yıldız

₺12.450,00

Garanti BBVA**** 4506

Satıcı bakiyesiKYC Tier 3

MerkezPay A.Ş.

₺4.820,00TL · USD

TL₺4.820

USD$160

Emanet hesabıBeklemede

ORD-7821

₺850,00

Teslimat → T+3 · otomatik serbest bırakma

Promosyon+50

HOSGELDIN50

₺150bakiye

Son kullanma: 30 gün

Kayıt defteri

YÜKLEMEkart → müşteri₺500,00

Open digital accounts for your customers, manage their balances.

Open digital accounts for your customers and your sellers. Top-ups, spend, transfers and withdrawals are all kept under an accounting record. Run wallets, escrow or promotional flows inside your own product.

Open customer wallets, seller balances, escrow or promotional accounts
Manage top-ups, payments, account-to-account transfers and bank withdrawals
Define TRY, foreign currency or points balances; set per-account limits and KYC tiers
Hold every movement in double-entry accounting, audit every state in history

Explore Wallet

Garanti BBVA

₺ 845.230

2 sn önce

3 hesap

Akbank

₺ 612.480

5 sn önce

3 hesap

Yapı Kredi

₺ 1.124.100

3 sn önce

3 hesap

İş Bankası

₺ 274.640

1 sn önce

3 hesap

DenizBank

₺ 92.780

8 sn önce

3 hesap

Toplam bakiye

₺2.847.230

ERP / Muhasebe

canlı veri akışı

TR47 · GAR+₺12.450

TR98 · AKB−₺2.100

TR62 · İSB+₺48.900

akan kayıt1.247

12 hesap · 5 banka

With open banking, manage every account from one dashboard.

See balances, statements and card movements in real time. Account activity flows straight into your ERP, and your finance team manages cash flow without manual work.

Watch balances and statements across every bank in a single screen
Send bank instructions (FAST/EFT) from one dashboard with multi-approval flows
Track DBS, cheques and credit limits in a single view
Feed account activity into ERP and accounting via webhooks and API

Explore Open Banking

Desteklenen kategoriler

Tüm Türkiye, yüzlerce kurum

Canlı

Elektrik

37 kurum

Doğalgaz

12 kurum

81 kurum

GSM & Telekom

4 kurum

Vergi

1 kurum

Trafik cezası

1 kurum

Bu ayki faturalarım

₺1.847,30· 6 fatura

4 ödenecek₺1.582,00

Elektrik

₺245,80Öde

Doğalgaz

₺480,20Öde

₺95,40

GSM

₺169,90

Vergi (MTV)

₺720,00Öde

Trafik cezası

₺136,00Öde

Bring bill payment into your own product.

Let your customers pay every bill inside your app. Electricity, water, gas, GSM, taxes and more. You earn a commission on every payment.

Offer 7 categories and hundreds of providers: electricity, water, gas, telecom, GSM, tax, traffic fines
Embed the payment flow into your app, website or wallet
Automate corporate bulk bill payments and feed results straight into ERP
Earn commission on every transaction; settlement and reconciliation come ready

Explore Bill Payment

FRAUD ENGINE

Block suspicious transactions before any payment goes through.

Catch fraud before any payment is made. You write the rules and verdicts land in under 40 milliseconds.

RISK PIPELINE

Latency · 38ms

Velocity

Per-card hourly / daily limits

—

Geography

IP × BIN country match

—

BIN check

Blacklist · prepaid · corporate

—

Amount band

Deviation · 1k–5k range

—

Blacklist

Token · device fingerprint · email

—

Behavior

Session velocity · prior 3DS rejects

—

RISK SCORE

0/ 100

Approved

Write your fraud rules like code and put them under version control

Stream suspicious transactions into your case management via webhook

False-positive feedback retrains the model automatically

MARKETPLACE PAYMENTS

Split every marketplace payment automatically across parties.

Break each customer payment into seller share, platform commission and tax, then send each part to the right party automatically. When a refund happens, pull the shares back from the correct parties.

Run seller onboarding, KYC and escrow accounts from one flow
Define commission rules as percent or fixed amount, configurable on the fly
T+1 automatic payouts with reverse-split on refunds included
Aligned with Turkish payment regulation and PSP licensing requirements

INCOMING PAYMENT

₺12.500,00

txn_8f4a2c

captured

Seller A · Electronics

62.0%

₺7.750,00

Seller B · Accessories

21.0%

₺2.625,00

Seller C · Accessories

12.0%

₺1.500,00

Platform fee

5.0%

₺625,00

Payout schedule

T+1 · automatic

— HOW IT WORKS

One payment request, completed in three steps.

A single API request from your system flows through smart routing, hits the right bank, and returns the result. Three steps, all under a second.

Payment request arrives

Your system starts the payment with a single API call. Duplicate requests never produce duplicate transactions.

Üye işyerinizden gelen istek

Tutar₺2.450,00

Kart**** 4506

Taksit3 ay

Tekrar girişlere karşı korumalı

Smart routing picks a bank

Bank health, acceptance rate, card and cost are evaluated live. The right bank is selected in under 60 milliseconds.

Banka değerlendirmesi

Banka A%98 başarı

Banka B%92 başarı

Banka C%87 başarı

En doğru banka seçildi

Bank response returns to your system

The transaction is sent to the selected bank; the result lands on the timeline and a secure webhook is delivered to your system.

Banka A · Başarılı

Tutar₺2.450,00

Onay noG42811

DurumOnaylandı

Bildirim sisteminize gönderildi

Stop spending months on bank integrations.

Separate certificates, separate connections, separate maintenance for each bank. Or Payven. Your developers' sprint queue stops being a bank-integration backlog.

Build from scratch

Separate development, separate maintenance per bank.

6–12 months

Ay 1

Separate API integration and certificate per bank

Ay 6

Match settlement files in Excel by hand

Ay 11

Every new bank means a new sprint, a new project

Ay 3

Manual fallback when a bank goes down

Ay 8

PCI compliance, fraud rules, audit logs from zero

Ay 1Ay 3Ay 6Ay 9Ay 12

aynı eksen · aynı kapsam

With Payven

Banks come ready; your team focuses on the product.

days

← tamamlandı

Gün 1

Add every bank from the panel, no extra development required

Gün 2

Traffic shifts automatically to an alternate connector when a bank fails

Gün 3

Reconciliation runs automatically; month-end close drops from days to hours

Gün 5

PCI compliance, fraud engine and audit logs come ready out of the box

Gün 6

Adding a new bank is configuration from the panel

Aylar yerine günler

Banka entegrasyonu sprint kuyruğunda yer kaplamaz, ekibiniz ürüne odaklanır.

12+ banka konnektörü · sertifikalar Payven'de · 7/24 izleme

Run the infrastructure wherever you want.

Hand the operational load to Payven or keep the infrastructure fully under your own control. Either way, you run the same product with the same capabilities.

Recommended

Cloud-managed (SaaS)

Setup, scaling and maintenance handled by Payven. You manage payments, we manage infrastructure. Fast start, zero ops burden.

Instant setup, live in minutes
Automatic scaling and backups
99.99% SLA, 24/7 monitoring
All updates and security patches automatic

Self-hosted

Run Payven in your own infrastructure. Data stays fully under your control, aligned with your regulatory and compliance requirements.

In your own cloud or on-premise environment
All data within your boundaries
Full alignment with your compliance and audit flows
Production support package, SLA and update management

Easy integration.

A clean, standards-based REST API with clear documentation and a fast path to integration. MCP servers are ready out of the box so your team can plug Payven straight into their AI tools.

REST APIOpenAPI 3.1WebhooksMCP sunucularıHızlı entegrasyon

docs.payven.com.tr

Request

curl https://vpos.payven.com.tr/api/v1/payments \
  -H "Authorization: Bearer pvk_live_•••" \
  -H "Idempotency-Key: 8f4a-2026-05-09" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 245000,
    "currency": "TRY",
    "merchant_id": "mer_4a2c",
    "card": { "token": "card_tok_1q2w" },
    "three_ds": true,
    "installments": 1
  }'

Response 200 OK · 412ms

{
  "id": "pay_8f4a2c",
  "status": "captured",
  "routed_connector": "garanti_bbva",
  "routing_decision": {
    "score": 0.92,
    "rule": "amount_band:1000_5000",
    "duration_ms": 38
  },
  "auth_code": "G42811",
  "amount": 245000,
  "currency": "TRY"
}

Get in touch with us.

We're here to help. A 30-minute product demo: our team walks through your flow live and shows what fits.

Request demo API documentation

Türkiye'sfinancial infrastructure.

Infrastructure that passes audits cleanly. Built to make your compliance team's job easier.

Banka seçimini veri yapar,ekibiniz değil.

Numbers measured in production.

Türkiye's broadest virtual POS infrastructure.

Money transfers in seconds, without limits.

Open digital accounts for your customers, manage their balances.

With open banking, manage every account from one dashboard.

Bring bill payment into your own product.

Block suspicious transactions before any payment goes through.

Split every marketplace payment automatically across parties.

One payment request, completed in three steps.

Payment request arrives

Smart routing picks a bank

Bank response returns to your system

Stop spending months on bank integrations.

Separate development, separate maintenance per bank.

Banks come ready; your team focuses on the product.

Run the infrastructure wherever you want.

Cloud-managed (SaaS)

Self-hosted

Easy integration.

Get in touch with us.

Türkiye's
financial infrastructure.

Banka seçimini veri yapar,
ekibiniz değil.