Shopify When not constructed correctly, this situation is not just a technical deficiency; installments cannot be shown, the commission cost gets out of control and the cart abandonment rate increases.

Shopify encounters a reality specific to Türkiye on the payment side: Shopify Payments is not available for use in Türkiye. This requires every Shopify store to receive payment through the bank virtual POS or a local payment institution. When not constructed correctly, this situation is not just a technical deficiency; installments cannot be shown, commission costs get out of control and the cart abandonment rate increases.

On this page, we explain what Shopify bank integration involves, which decisions need to be made from the very beginning and how we carry out the process.

Why is the payment infrastructure a separate issue in Shopify?

In foreign examples, payment is usually a one-click module. In Türkiye, the picture is different and three headings determine the form of the business.

Installment is a marketing tool

In Turkey, a significant part of shopping with cards is done in installments. The correct appearance of installment options on the cart screen, according to the bank to which the card belongs, directly affects the conversion. This means recognizing the bank from the first digits of the card (BIN) and instantly displaying the installment table defined to that bank — Shopify's standard payment screen does not do this on its own, the payment provider must figure it out.

The commission has two layers

Shopify's own additional transaction fee is added to the commission you pay to the bank or payment institution. Shopify imposes an additional fee when using providers other than Shopify Payments, which varies by subscription plan. When calculating the total cost, these two items should be evaluated together; Otherwise, the profit margin will be lower than expected.

Reconciliation does not occur automatically

The order amount and the amount transferred from the bank to your account are not the same: commission, installment cost, return and chargeback items intervene. It is not sustainable for accounting to manually track this difference every day; The integration must also cover the reconciliation side.

What does the integration include?

How is the process? We are carrying out?

1. Current situation analysis

   Which banks do you have agreements with, what are your commission rates, what is your installment policy? At this stage, we also include the additional transaction fee brought by your Shopify plan in the table.

2. Provider and setup decision

   Is it a direct bank virtual POS, a payment institution, or a setup where both are used together? Decision; It is given according to your turnover, installment need and foreign sales plan.

3. Setup in the test environment

   Payment, 3D verification, failed transaction, return and partial refund scenarios are run one by one with test cards. Each flow is recorded before going live.

4. Going live

   Low amount verification transactions are made with a real card, then the store is opened for payment. Tracking transactions throughout the first day.

5. Reconciliation and tracking

   Checking that end-of-day reports match Shopify records; Failed transaction rate and installment distribution are reported regularly.

Banks and payment providers we work with

The following lists cover the virtual POS and payment institutions commonly used with Shopify in Türkiye. The right one for you depends on your existing bank agreements and turnover size.

• Garanti BBVA
• İş Bankası
• Yapı Kredi
• Akbank
• QNB
• DenizBank
• Ziraat Bank
• VakıfBank
• Halkbank
• TEB
• ING
• Kuveyt Türk
• Albaraka Türk
• iyzico
• PayTR
• Param
• Sipay
• Craftgate
• Moka

What the correct setup brings

• Decrease in cart abandonment: the probability of completing the purchase increases when the customer can see his bank's installment option at the checkout step.
• Predictable cost: bank commission, installment cost and Shopify surcharge appear in a single table; campaign decisions are based on numbers, not guesses.
• Less manual work: accounting does not need to go into a separate panel when returns and cancellations are triggered by Shopify.
• Payment continuity: When a second provider is identified as a backup, a bank outage does not completely stop sales.
• Clean reconciliation: When end-of-day reports match Shopify order records, month-end closing takes minutes instead of hours.

Things to clarify before you start

For whom is this setup critical?

Payment infrastructure is important for every store, but in some business models it turns into a factor that directly determines turnover.

• Sellers with high basket amounts: installments are almost mandatory in categories such as furniture, white goods, electronics; A payment screen that cannot show installments is the biggest obstacle to sales.
• Campaign-intensive employees: If you are running a bank-based campaign, which card will see which installment should be designed correctly.
• Those who sell abroad: multi-currency and international card acceptance narrows the choice of provider from the beginning.
• High transaction volumes: thousandths in the commission rate the difference corresponds to a significant amount in annual turnover; Provider comparison should be made with real numbers.

Common mistakes

The following are the installation mistakes we encounter most frequently in the projects we take over and which are costly to fix later.

Remaining dependent on a single provider

The interruption in the payment infrastructure means that the store cannot make sales completely. Having a backup provider predefined and tested ensures that it can be deployed within minutes in the event of an outage. If this preparation is not made, the outage may last for hours.

Not reflecting the installment cost in the price

Installment costs the seller. When this cost is not included in the product price or campaign plan, the profit margin decreases as sales increase. When determining the installment table, it should be decided on a product group basis who will bear the interest difference.

Verifying with the test card only

An installation that works smoothly in the test environment may behave differently with the real card; Especially in the 3D verification step, screens that vary depending on the bank come into play. Before going live, low amount verification transactions must be made with real cards from different banks.

Leaving the reconciliation for later

When the payment starts working, the reconciliation setup is usually postponed. A few months later, commission and deduction items of thousands of transactions are tried to be separated retrospectively. Reporting should be enabled at the same time as payment setup.

Frequently asked questions