ikas Payment Infrastructure: Which One Should You Choose? (2026 Decision Guide)

The short answer: To accept payments in your ikas store, you have two main paths: ikas's own payment infrastructure, ikas Pay, or one of the third-party virtual POS providers on ikas's official integration list — PayTR, Moka United, Paratika, Tami, and Hoppa (powered by Elekse). For the sake of security and integration integrity, ikas supports only these approved providers; there is no single answer to the question "which one is best?" — the right choice depends on your needs. In this guide, we compare each option impartially in terms of commission, settlement timing, transparency, and ease of integration, and close with a clear decision matrix.

ikas is one of the fastest-growing e-commerce platforms in Turkey; yet many new store owners get stuck on the question "which payment infrastructure should I use on ikas?" The reason is that ikas works differently from some other platforms on the payments side. Let's clarify that difference first.

How does payment infrastructure work on ikas? (An important rule)

On some e-commerce platforms, you can strike a deal with any bank or virtual POS provider you like and connect the integration yourself. ikas, on the other hand, takes an approved/integrated provider approach: only the payment infrastructures officially supported by ikas can be used in your store. While this may look like a limitation at first glance, it actually means security, PCI-DSS compliance, error-free integration, and single-point support when issues arise — the payment flow is the most critical point, and the freedom to "connect anything" here often means risk.

In practice, this means: when choosing a payment infrastructure for your ikas store, you make your choice between ikas Pay and the official third-party providers below. It may not be possible to directly connect an off-list virtual POS you arranged on your own, which is why getting the choice right from the start matters.

ikas Pay: ikas's own payment infrastructure

ikas Pay is ikas's in-house payment infrastructure. Its biggest advantage is simplicity: with no separate provider agreement, separate application, or separate paperwork process, it activates with a single click from the same panel as your store. It is the fastest route for stores that are just starting out or want to keep operations simple.

On the commission side, ikas Pay offers a rate based on the ikas plan you use and your settlement (waiting period) preference. On the entry plan, the single-payment commission starts at around 2.99%; for single payments up to certain amounts, this rate can be lowered by choosing a settlement/waiting period (the longer you agree to wait for your money, the lower the rate). On higher plans and with higher turnover, terms can improve. You should always confirm the current rate specific to your store from the ikas panel; because, just as with other providers, terms are updated periodically.

Who is ikas Pay ideal for? Those who want a fast, hassle-free start from a single panel; those who don't want to deal with negotiation and paperwork with a separate provider; and those who want to keep their payment, shipping, and e-invoice flow integrated within the ikas ecosystem.

Official third-party payment infrastructures (the ikas integration list)

ikas Pay is not the only option. The providers below are on ikas's official integration list; you set their rates and terms by negotiating directly with the provider, then connect them to the ikas panel. Each one's strength lies in a different area.

PayTR

A domestic, BDDK-licensed payment institution. It has an official integration with ikas. Its strengths: fast activation, domestic + international card acceptance with a single integration, a Wire/EFT payment module, and the absence of setup or monthly fees. The commission is quote-based and very sensitive to the settlement period: ask for next-day payment and the rate goes up; agree to leave the money on hold and it goes down. It is practical for stores that want to route part of their sales away from card commission via Wire/EFT.

Moka United

Backed by İş Bankası and OYAK, a well-established institution born from the merger of Moka Ödeme and United Payment. It has a local/native integration with ikas (via Payment Settings). Its strengths: bank-backed corporate trust, a high approval rate, free setup, 0 TRY monthly fee, and next-day (no-hold) payment. The headline rate starts at 1.89%. It is an attractive option for stores that value standing behind a banking group and are looking for a low starting rate.

Paratika

Built on the Payten/ASEE Group infrastructure, a TCMB-licensed institution with 100% domestic capital; it has 27 banks and a broad merchant network. It has a native integration with ikas. Its strengths: a wide banking ecosystem, a 9-installment program, payment via link/QR/SMS, recurring collection, and foreign currency support. It stands out for stores with a subscription-based business model, a need for multi-bank flexibility, or foreign currency requirements.

Tami

The fintech subsidiary of Garanti BBVA; it has an official partnership with ikas. Its most notable feature is its transparency: a single published commission rate for single payments (2.85%) and next-business-day payment. There are no activation, setup, monthly, or annual fixed fees. It is a strong choice for stores that say "let me know what I'll see upfront," dislike surprises, and value bank assurance. With partner campaigns, the rate can go even lower.

Hoppa (powered by Elekse)

The merchant brand of Elekse Elektronik Para ve Ödeme Kuruluşu; on the ikas list it appears as "Hoppa (powered by Elekse)" and shares the same infrastructure with EsnekPOS. Alongside virtual POS, it offers a broad product range such as Android POS, Mobile/Pocket POS, marketplace POS, and payment links; there are no activation/setup or monthly membership fees. Its strength is offering flexible rates based on settlement (from a discounted low rate for next-day to an even lower rate when on hold). It is useful for stores that manage both online and physical/field sales together.

Compare commissions based on your transaction amount

Seeing concretely how much commission each provider takes at your sales amount is far healthier than wrestling with abstract percentages. Enter your transaction amount into the free tool below; let it rank the estimated commissions of the infrastructures offering TRY virtual POS and the net amount you'll receive. Use this as a preliminary assessment together with the official quote you obtain.

A reminder: the rates in the tool are average estimates compiled from publicly available sources; ikas Pay's and each provider's rate specific to you will differ based on your plan and agreement. For an exact figure, rely on the ikas panel and the provider's quote.

iyzico and ikas: Why isn't it on the list?

"Can I use iyzico on ikas?" is a frequently asked question. Although iyzico is one of the most widely used payment infrastructures in Turkey, it is not on ikas's standard integration list. Because ikas takes an approved-provider approach on the payments side, your store uses ikas Pay or the third-party providers on the list (PayTR, Moka United, Paratika, Tami, Hoppa). If you want to use iyzico as your own virtual POS, that is more feasible on platforms such as independent sites, IdeaSoft, Ticimax, Shopify, and WooCommerce. This is not a negative assessment of iyzico; it is simply a technical matter concerning the integrations ikas supports. We recommend confirming the current integration status with the ikas support team.

Why isn't Mollie suitable for Turkish ikas stores?

Mollie is a provider users get curious about because they see it on the list; but there is an important distinction. Mollie is a Netherlands-based European payment provider and does not open accounts for businesses established in Turkey and does not support Turkish Lira. It also does not offer Turkish-style credit card installments. For this reason, it is not viable for an ikas store operating in Turkey. Mollie only makes sense for brands that have a company registered in the European Economic Area, Switzerland, or the United Kingdom and sell to the European market in EUR. On the cross-border export side, if you have a company structure in Europe, Mollie can be considered; otherwise, you should focus on TRY virtual POS options.

Criteria for choosing an ikas payment infrastructure

Looking only at the commission percentage when choosing the right infrastructure is misleading. Evaluate the following six criteria together:

• Commission (effective cost): Not just the percentage; the real cost including BSMV (banking transaction tax), fixed fees, and installment maturity differences.
• Settlement (cash flow): How long it takes for the money to reach your account. The price of a low rate can be a long wait.
• Transparency: Whether the rate is published/predictable (for example Tami's 2.85%) or determined by quote.
• Ease of integration: ikas Pay is one click; third-party providers require an application + key entry.
• Extra features: Foreign currency, link/QR/SMS, recurring, physical/Pocket POS, Wire/EFT.
• Support and trust: License, institution size, and customer support quality.

The general principle: not the lowest percentage, but the balance that best fits your needs wins.

Decision guide: Which one should you consider for your situation?

The guidance below consists of practical starting suggestions, not binding rules. Make the final decision based on official quotes.

• If you are just starting out / want the easiest route: start with ikas Pay in one click; then compare third-party quotes once your volume grows.
• Low starting rate + bank assurance: consider Moka United.
• If you want a transparent, published single rate: Tami stands out.
• Fast setup + Wire/EFT + international cards: PayTR is suitable.
• Wide banking network, link/QR/SMS, foreign currency, recurring: Paratika is strong.
• Online + physical/field sales together, a broad POS range: Hoppa (Elekse) is useful.
• If you have a company registered in Europe and sell to Europe: Mollie can additionally be considered (not for a Turkish store).

How do you set up an ikas payment infrastructure?

The steps are fairly simple:

1. In the ikas admin panel, go to the Settings > Payment Settings section.
2. Activate ikas Pay in one click; or select a supported third-party provider (PayTR, Moka United, Paratika, Tami, Hoppa).
3. If you chose a third party, after applying to the provider and getting approval, enter the API/key details given to you in the relevant field.
4. Run a test transaction; verify the card, installment, and (if any) foreign-card flow.
5. Configure the installment settings, which installments will be enabled, and who will bear the commission.

If you'd like us to handle the setup, rate negotiation, installment configuration, and the payment + shipping + e-invoice integrations for you on a turnkey basis, our ikas solution partner team is ready. To build your ikas store solidly from the ground up, you can review our ikas license & design service.

Common mistakes when choosing an ikas payment infrastructure

• Assuming you can connect any POS you want: ikas supports only approved providers; make your choice based on the list from the start.
• Looking only at the percentage: don't decide without calculating the effective cost including settlement, BSMV, and installment differences.
• Ignoring settlement: waiting a long time for your money for the sake of a low rate can strain your cash flow.
• Settling for a single quote: get quotes from multiple third-party providers and compare them with ikas Pay.
• Going live without testing: after setup, always verify the flow with a real test transaction.

A note on transparency and contracts

All of these providers are licensed institutions. Even so, across the industry you may occasionally come across isolated user complaints on complaint platforms, such as "the rate/settlement not matching expectations"; these are individual experiences and do not form a definitive judgment about a company as a whole. To minimize risk, whichever provider you choose, confirm the rate, settlement, and taxes in writing, and track the payout dates in the first few months. This simple discipline largely prevents surprises.

How does ikas Pay settlement work? When do you receive your money?

A matter as important as the commission is how long it takes for the money to reach your account; because even if the rate is low, if your money arrives late, in an inflationary environment that is a cost. ikas Pay, like other modern infrastructures, works on a settlement choice logic: if you want to receive the money sooner, the rate rises a bit; if you agree to receive it later (a certain waiting period), the rate drops. This flexibility is more pronounced on single-payment transactions up to certain amounts. In practice, this means you need to ask yourself: "is my cash flow more important, or lowering the commission to the last penny?"

The general rule: for new stores with sensitive cash flow, early payment + a slightly higher rate is often healthier; because cash in hand lets you keep stock and advertising running. Businesses with established turnover and comfortable cash flow can lower the rate with a longer settlement and save over the long term. Whichever model you choose, confirm the current settlement and rate terms specific to your store from the ikas panel; because terms change by plan and period.

Total cost: Commission isn't the only line item

When choosing a payment infrastructure on ikas, focusing only on the card commission can be misleading. You need to look at it from a "total cost of ownership" perspective:

• Card commission: the most visible line item; single-payment and installment rates.
• The hidden cost of settlement: money arriving late creates a cost of capital.
• BSMV and fixed fees: taxes added to the rate and per-transaction fees.
• Refund/cancellation burden: in stores with high refund rates, the operational and financial cost of reverse transactions.
• Integration and management effort: managing a separate provider panel, or a single panel?

ikas Pay's greatest strength is that it brings most of these line items together in a single ecosystem: payment, shipping, e-invoice, and order management work as one. Third-party providers, on the other hand, differentiate by offering lower commission or special features (foreign currency, link/QR, Pocket POS). The right decision is not the "lowest percentage" but the option that strikes the best balance for you across the total of these line items. The healthiest way to clarify this calculation is to work out your real profit per product (including commission).

ikas Pay or third party? The pros and cons

This is the most common dilemma. Let's compare the two directly:

Practical recommendation: If you are just starting out or your monthly turnover is still low, begin with ikas Pay's one-click ease; your negotiating power is limited anyway. As turnover grows (for example a few hundred thousand TRY per month and above), seize the opportunity to lower the rate by getting quotes from third-party providers and comparing them with ikas Pay. This "ease first, optimization later" approach is the healthiest for most stores.

Example scenario: Commission cost in an ikas store

Let's say you receive 600 orders a month in your ikas store, with an average basket of 700 TRY; monthly turnover of 420,000 TRY. The annual impact of the difference in commission rate:

• At an effective ~2.5%: 420,000 × 2.5% = ~10,500 TRY/month → ~126,000 TRY/year in commission.
• At an effective ~3.2%: 420,000 × 3.2% = ~13,440 TRY/month → ~161,280 TRY/year in commission.
• Annual difference: ~35,000 TRY — from the rate difference alone.

This difference can equal a few months' salary for an employee or a serious advertising budget. So the question "is ikas Pay enough, or should I negotiate with a third party?" becomes increasingly important as your store grows. When deciding, factor in not only the rate but also settlement's impact on your cash flow.

Settings that boost payment conversion on ikas

Choosing the right provider is not enough on its own; the settings that boost conversion at the payment step (the cart-completion rate) are at least as important as the commission:

• Set up installment options correctly: offering installments on suitable products increases cart completion; but decide who will bear the installment commission based on your margin.
• 3D Secure balance: 3D Secure is important for security; but unnecessary friction can lower conversion. Test your provider's flow.
• Alternative methods: offering wire/EFT alongside cards and, where suitable, cash on delivery, wins over customers who are wary of cards. Since there is no card commission on wire/EFT, your margin is also preserved.
• Single-page/fast checkout: shortening the payment step markedly increases mobile conversion.
• A clear refund/cancellation policy: a reassuring refund policy reduces pre-payment hesitation.

ikas's flexible payment settings let you configure most of these setups from the panel; the right configuration increases your turnover independently of commission optimization.

Foreign currency and cross-border export payments on ikas

If you sell abroad (cross-border export), there are additional matters on the payments side. Working with foreign currencies (USD/EUR/GBP) on ikas depends on the provider you choose supporting these currencies; with some providers, foreign currency collection is activated separately. Foreign-card commission is higher than for domestic cards, and a currency conversion difference may be added. For this reason, if you are planning cross-border export, prioritize the questions "which currencies does it support, and what is the foreign-card rate and activation?" when choosing a provider. Since European providers like Mollie are only for companies registered in Europe, Turkey-based exporters generally proceed with domestic providers' foreign-card/currency features. If you are also considering the international shipping side, the best approach is to plan the payment and shipping integrations together.

Changing the payment infrastructure on ikas: How to switch

If over time you find a better quote or your needs change, switching the payment provider on ikas is possible. For a smooth transition:

1. Set up and test the new provider first: verify the new provider's test transaction without closing the existing flow.
2. Manage pending payments/the refund flow: track pending payouts and possible refunds at the old provider until they are complete.
3. Carry over installment and campaign settings: reconfigure the installment tiers and commission setup at the new provider.
4. Switch outside peak hours: go live during a low-traffic window and watch the first transactions closely.
5. Test the customer side: verify the end-to-end flow with a small test purchase using a real card.

If you want to manage the switch risk-free, we can accompany you from setup through the testing process; it is possible to move to the new infrastructure without any payment downtime.

Practical recommendation by store type

Whichever profile you are closest to, you can consider the following approach as a starting point (these are guiding suggestions, not binding):

• Newly opened store making its first sales: start with ikas Pay in one click; put your energy into product, content, and advertising. Tackle commission optimization after turnover settles.
• Store with rising monthly turnover, sensitive to margin: get quotes from third-party providers (Moka United, Tami, PayTR, Paratika) and compare them with ikas Pay; ask for a rate discount based on your turnover.
• Store with sensitive cash flow: prioritize options that keep settlement short (next-day); a rate a few points higher may be worth having the money in hand.
• Store wanting transparency and predictability: consider Tami with its published single rate.
• Store selling across multiple channels (online + physical/field): look at providers with a broad product range such as Hoppa (Elekse), which offers Pocket/Mobile POS alongside virtual POS.
• Store selling with foreign currency/recurring/links: Paratika can stand out with its wide banking network and flexible collection methods.
• Exporter with a company registered in Europe: alongside Turkish providers' foreign-card features, you can additionally consider Mollie for European cards (not for a Turkish store).

These profiles are a starting point; the real decision becomes clear when you combine your own figures (turnover, basket, installment distribution, cash flow) with the tool above and official quotes.

Summary: Choosing the right payment infrastructure on ikas

Choosing a payment infrastructure for your ikas store is about striking a balance between ikas Pay's simplicity and the flexibility of the official third-party providers (PayTR, Moka United, Paratika, Tami, Hoppa). There is no "best" infrastructure; it varies according to your priorities (ease, the lowest rate, transparency, or extra features). For a start, you can use ikas Pay's one-click ease, and as your volume grows, you can switch to the most advantageous option by comparing third-party quotes with the interactive tool above and official quotes. For a general comparison of payment infrastructure rates, also check out our payment infrastructure commission rates 2026 guide.

To choose the most suitable payment infrastructure for your ikas store, handle the setup, and negotiate the rate, schedule a free discovery call. As an ikas solution partner, we manage the entire process for you, from payment, shipping, and e-invoice integrations to growth.