PayTR, Iyzico, Garanti BBVA, Akbank and İş Bankası Analysis

Virtual POS systems are essential for e-commerce, SaaS, hosting, software sales and all digital services in Turkey.

This guide compares the most important payment providers of 2025.

1) What Is Virtual POS?

A system that allows online payments via credit card, debit card and digital wallets.

Process:

1. Customer enters card data

2. Provider contacts the bank

3. Fraud control

4. Bank authorizes

5. Funds are transferred

2) PayTR – 2025 Review

Advantages

• Fastest approval in Turkey

• Best fraud detection system

• Friendly to hosting, software and gaming sectors

• Simple API

• Clear commission rates

Disadvantages

• Higher chargeback = higher commission

Commission

• Non-blocked: 3.20% – 4.80%

• Blocked: 1.09% – 2.59%

Best choice for digital services.

3) Iyzico – 2025 Review

Advantages

• Clean interface

• Fast payment flow

• Easy refunds

• Payment links

• Subscription payments

Disadvantages

• Additional checks in digital sectors

• Commission slightly higher

4) Garanti BBVA Virtual POS

Advantages

• Strong reputation

• Best for large volume

• Low blocked POS commissions

Disadvantages

• Long approval process

• Digital sectors may face rejection

5) Akbank Virtual POS

Balanced commission but stricter approval for digital businesses.

6) İş Bankası Virtual POS

Strong infrastructure but strict sector screening.

7) Commission Comparison (2025)

(See Turkish table – same values)

8) Best Choice for Hosting / Digital Services

1. PayTR

2. Iyzico

Because:

• Lower approval barriers

• Better fraud protection

• Easier integration

9) Conclusion

Choosing the correct Virtual POS provider reduces fees, increases conversion rates and avoids unnecessary risk.

PayTR and Iyzico remain the most logical options for SaaS, hosting and digital businesses in 2025.