Payment Gateway Commission Rates 2026: Virtual POS Comparison and Calculator

Short answer: Payment gateway (virtual POS) commission rates in 2026 range from roughly 1.9% to 4.3% for single payments at most providers; for installment transactions the rate rises with the number of installments and can reach as high as 6%. There is no single fixed price, however: the commission you pay is set through negotiation based on your monthly turnover, industry, card type, number of installments, and most importantly your value-date (the time it takes for funds to reach your account) preference. With the free tool below, you can enter your transaction amount and see the estimated commissions of PayTR, iyzico, Moka United, Paratika, Tami, and Hoppa side by side, comparing the net amount you would actually receive.

In e-commerce, commission is a line item most businesses underestimate, yet it is deducted directly from your profit margin. For a store shipping 1,000 orders a month, if the average basket is 750 TRY, a difference of just 1 point in the commission rate (for example 3.5% instead of 2.5%) means 7,500 TRY a month. That is 90,000 TRY a year. This is exactly why the query "payment gateway commission rates" is one of the most researched topics among e-commerce sellers. In this guide, we have compiled the current estimated 2026 rates, the hidden factors that determine the rate, and ways to lower the cost, drawing on multi-source research.

Payment gateway commission rate comparison table (2026)

The table below summarizes the estimated 2026 single-payment commission ranges and standout features of the leading payment gateways offering TRY virtual POS in Turkey. The figures are average estimates compiled from official pricing pages, independent comparison sites, and user experiences; the exact rate is set through an individual agreement.

Important: The rates in the table are estimated values tied to specific scenarios and may be updated by the providers. All providers are well-established institutions licensed by the BDDK/TCMB; the right approach is not "bad/good" but "suitable/unsuitable for your operation." For the exact and current rate, always rely on the relevant gateway's official quote.

Commission comparison tool based on your transaction amount

Tables give a general idea; but what really matters is how much commission each gateway deducts at your sales amount. Enter your transaction amount into the free tool below; it ranks the estimated commission of all gateways and the net amount you would receive, starting from the lowest, and flags the most advantageous one. Using the option at the top, you can view the "Single Payment" and "Installment" scenarios separately.

Let us repeat the caveat beneath the tool: these rates are average estimates. Your actual commission may differ depending on your turnover, your industry, and the individual agreement you reach. Use the tool as a preliminary comparison, and obtain an official quote for a binding price.

How is a payment gateway commission calculated?

Virtual POS commission is deducted as a percentage of the total amount your customer pays at checkout. The basic formula:

Commission = Transaction Amount × Commission Rate (+ a per-transaction fixed fee, if any)

For example, on a 1,000 TRY sale, a 2.5% commission is 25 TRY, while a 3.5% commission is 35 TRY. On top of this, some gateways add 5% BSMV (banking transaction tax) to the commission, and some charge a small fixed fee per transaction (for example 0.25 TRY at iyzico). The fixed fee noticeably raises the effective rate, especially on low-basket sales (for example 50–100 TRY): on a 50 TRY transaction, a 0.25 TRY fixed fee alone means half a point of additional commission.

To see your net profit accurately, you need to assess commission together with product cost and shipping. With our profit margin calculator and our break-even ROAS calculator, you can work out your real profit including commission.

The 5 factors that determine the commission rate: Why there is no single price

The reason no one can give a single clear figure to the question "What is company X's commission?" is that the rate is multi-variable and open to negotiation. Understanding these five factors helps you get a better quote:

1) Monthly turnover and transaction volume

For virtual POS providers, turnover is the strongest bargaining chip. The higher your monthly transaction volume, the lower the rate offered to you. Low-volume or newly opened stores are usually offered a higher "standard" rate; after demonstrating steady turnover for a few months, you can request a discount.

2) Industry (MCC risk class)

Every merchant has an MCC (Merchant Category Code) and an associated risk class. In industries with high return/dispute rates or considered "risky" (for example certain subscription, digital product, or high-value categories), rates and value-date periods differ. Not every industry can get the same rate.

3) Card type: domestic/foreign, commercial/individual

Commission on foreign (international) cards is generally higher than on domestic cards; for example, at some gateways the foreign-card rate is around 2.99% including taxes. There may also be a difference between commercial (corporate) cards and individual cards. If your customer base is weighted toward international buyers, be sure to ask about this line item in the quote.

4) Number of installments

Installments are a cost for the seller. Each bank applies a separate term differential on installment transactions, and as the number of installments rises, the commission the seller pays increases. For example, where a single payment is 2.5%, the rate at 6 installments can climb to the 3.5%–5% band. Many gateways let you choose from the dashboard whether the customer or the merchant bears the installment commission; this is an important tool in margin management.

5) Value-date (with hold / without hold)

This is the factor most sellers overlook yet it affects the rate the most. Value-date is the time it takes for your funds to reach your account after a sale. If you want to receive the money the next day (without hold), the rate rises; if you agree to leave it on hold for 7, 14, or 30 days, the rate drops noticeably. The very low rates you see in ads (for example "starting from 0.59%") are mostly a "30-day value-date" scenario. When deciding, look not only at the rate but at your cash flow: in an inflationary environment, waiting 30 days for your money is itself a hidden cost. Sometimes receiving the money the next day at a commission a few points higher is more profitable than a low rate with a hold.

Let us get to know the payment gateways one by one (2026)

Below we summarize each provider's standout aspects and the points to watch in a balanced and impartial way. All are licensed institutions; the aim is not to disparage any company but to help you ask the right questions.

iyzico

Part of PayU Group, one of Turkey's most widespread and mature payment ecosystems. With a single integration it offers the card and installment options of all banks; via "Commission Management" in the dashboard you can set which installments are enabled and who bears the commission. Its published standard rate for single payments is 4.29% + 0.25 TRY; however, depending on turnover/industry, rates such as 2.49% through negotiation, or even a promotional 1.95%, may be applied. Points to watch: the default ~21-day hold + weekly payment cycle (there is an optional Early Payment Package of around 399 TRY a year to receive funds sooner) and the 5% BSMV plus 0.25 TRY fixed fee added to the commission. iyzico is more common on standalone sites, IdeaSoft, Ticimax, Shopify, and WooCommerce.

PayTR

A domestic, BDDK-licensed payment/electronic money institution. With its iFrame API, a single integration provides domestic + international card acceptance, a bank transfer/EFT module (~1%), and fast activation. There is no setup fee, monthly/annual subscription, or inactivity fee. At PayTR, the real determinant is the value-date period: requesting next-day payment pushes the rate into the ~2.5%–3.0% band, while agreeing to leave the money on hold for 30 days lowers it considerably. A clear installment table is not published publicly; the rate is quote-based. Remember that the lowest rates in ads correspond to the "holding the money" scenario.

Moka United

A well-established institution backed by İş Bankası and OYAK, born from the merger of Moka Ödeme and United Payment. With a single integration, it stands out for multi-bank virtual POS, free setup, 0 TRY monthly, and next-day (no-hold) payment. Its advertised rate starts from 1.89%; this is a starting value below/around the industry average. Its bank-backed structure provides high approval rates and corporate trust. Because the exact rate is not published on the official site, the real quote becomes clear after application; it has also been reported that low-volume businesses may be offered a higher rate.

Paratika

An institution built on the Payten/ASEE Group infrastructure, TCMB-licensed and 100% domestically owned; it has 27 banks and a broad merchant network. With a single integration it offers all cards, a 9-installment program, payment via link/QR/SMS, recurring collection, and foreign-currency support. There is no setup fee, annual virtual POS fee, or turnover commitment. Keep in mind that the "starting from 0.69%" phrase on the official site is a marketing floor, and a typical SME may not see this rate; the exact rate and value-date are set after application/negotiation.

Tami

Garanti BBVA's fintech subsidiary (not to be confused with QNB/QNBpay). Its most distinctive feature is its transparency: on its official site it openly publishes a single commission rate of 2.85% for single payments and next-business-day settlement. There is no onboarding, setup, monthly, or annual fixed fee. Through partner platform campaigns (for example on some e-commerce platforms), the rate can drop to 1.99%. It is appealing for those who want the assurance of a banking group and "to know what you will see"; the fact that installment commission rates are not public, however, means you need to obtain a quote.

Hoppa (powered by Elekse)

The merchant brand of Elekse Electronic Money and Payment Institution; technically it uses the same infrastructure as EsnekPOS and appears on the ikas list as "Hoppa (powered by Elekse)." Alongside virtual POS, it offers a wide product range such as Android POS, mobile POS, marketplace POS, and payment links. There is no onboarding/setup fee or monthly subscription. Offering flexible rates based on value-date is one of its strengths: options range from promotional low next-day rates to lower value-dated/held rates. Since the standard rate and installment table are not published transparently, you need to obtain a quote for the rate.

Mollie (Europe / EUR)

A Dutch-based European payment service provider (PSP). An important distinction: it does not open accounts for businesses established in Turkey and does not support Turkish Lira; it is an option only for sellers with a company registered in the European Economic Area, Switzerland, or the United Kingdom. It offers low rates on European cards (EEA individual card 1.80% + 0.25 €), methods such as iDEAL/Bancontact/SEPA/Klarna, and transparent pricing. There is no Turkish-style credit card installment; instead there are BNPL (in3, Klarna) products that are costly for the seller. For these reasons Mollie is not a viable option for Turkish ikas stores and is not included in the TRY comparison; it makes sense for export-focused brands registered in Europe.

Hidden costs: Don't just look at the rate

When comparing two quotes, looking only at the percentage is misleading. The real cost is determined by these line items:

• BSMV and VAT: Is the rate "taxes included," or is 5% BSMV added on top? Be sure to clarify.
• Per-transaction fixed fee: Raises the effective rate on low-basket sales.
• Value-date period: The price of a low rate may be your money being held for 30 days.
• Returns and chargebacks: There may be extra costs and hold risk in return/dispute processes.
• Installment term differential: Does the customer or you bear the installment cost?

That is why you should compare quotes on "effective cost" (all line items included), not on the raw percentage.

Transparency and contract: What to watch for

Although virtual POS providers are licensed institutions, across the industry one may occasionally encounter isolated user complaints on complaint platforms (for example Şikayetvar), such as "a deduction different from the promised rate," "a change in the payment period," or "delays in settlement/payment." These are individual experiences and should not be generalized; however, for a risk-free start we recommend the following steps:

• Confirm the rate, value-date, and taxes in a written quote/contract.
• Ask how the initial rate may be updated in the future.
• Learn the return, dispute, and hold policy in advance.
• Closely track settlement dates and deductions for the first few months.

These precautions minimize surprise costs whichever provider you work with.

If you use ikas: ikas Pay or a third party?

There is an important nuance for ikas stores: ikas does not freely allow users to use any virtual POS they have arranged on their own. ikas's own payment gateway, ikas Pay, works from a single dashboard without needing an agreement with a separate provider. Beyond that, PayTR, Moka United, Paratika, Tami, and Hoppa are the third-party providers on ikas's official integration list. iyzico's use on ikas may be more limited in practice. You can find which one is right for you, the commission–value-date–transparency balance, and the decision matrix covered in detail in our ikas payment gateway: which one should you choose? guide.

6 ways to lower your payment gateway commission

1. Prove your turnover, ask for a discount: After showing steady volume for a few months, request a rate reduction; most providers are open to negotiation.
2. Strike the value-date–rate balance: If your cash flow allows, take a lower rate with a longer value-date; if not, opt for next-day payment.
3. Get multiple quotes: Obtaining written quotes from two or three providers is the best negotiating tool.
4. Clarify your installment strategy: Deliberately choose who bears the installment commission and which installments are enabled.
5. Question taxes and fixed fees: Always ask "Are taxes included?"; factor in the fixed fee for low-basket sales.
6. Monitor the effective cost: At month-end, divide the total commission you actually paid by your turnover to track your real rate.

Common mistakes

• Looking only at the advertised rate: Rates like "0.59%" are usually a 30-day value-date scenario; it is not the rate you will see.
• Forgetting the tax: The 5% BSMV added to the rate causes you to overlook the real cost.
• Neglecting the value-date: Holding the money for a long time for the sake of a low rate can be a loss under inflation.
• Settling with a single quote: Accepting the first offer without comparing is leaving money on the table.
• A wrong assumption on ikas: Not knowing that you cannot use just any POS on ikas leads to surprises during setup.

Virtual POS, payment institution, and bank POS: What are the differences?

Before discussing commission, the concepts need to be clarified, because there are different models under the "payment gateway" umbrella:

• Bank virtual POS: A virtual POS you obtain by arranging directly with a bank (for example your commercial bank). You are usually tied to a single bank; each bank requires a separate integration and a separate rate. At high turnover, negotiating directly with the bank can be advantageous, but management is cumbersome.
• Payment institution (PF) / payment service provider: BDDK/TCMB-licensed institutions such as iyzico, PayTR, Moka United, Paratika, Tami, and Hoppa. They let you accept the cards and installments of multiple banks with a single integration; no separate bank agreement is needed. The vast majority of e-commerce uses this model because setup and management are far easier.
• Electronic money institution (EMI): Some providers also offer e-money/wallet services. This can mean holding a balance, fast transfers, and additional financial products.

All the gateways we compare in this article are in the payment/electronic money institution model; that is, they offer multi-bank collection with a single contract. That is why the important question is not "which bank do I work with?" but "which payment institution gives me the best terms?"

Example scenario: What would your monthly commission cost be?

Let us put the numbers in concrete terms. Suppose you receive 800 orders a month, your average basket is 650 TRY, and 30% of sales are in installments. Your monthly turnover is 800 × 650 = 520,000 TRY. Now let us look at the effect of the difference in the commission rate alone:

• Low scenario (effective ~2.4%): 520,000 × 2.4% = ~12,480 TRY commission a month.
• Mid scenario (effective ~3.0%): 520,000 × 3.0% = ~15,600 TRY commission a month.
• High scenario (effective ~3.8%, installment-heavy): 520,000 × 3.8% = ~19,760 TRY commission a month.

The difference between the low and high scenarios is ~7,280 TRY a month and ~87,000 TRY a year — and the only variable is the commission rate. Add to this the cash-flow effect of the value-date, and you will see that the "right payment gateway" decision is a decision worth tens of thousands of liras a year. This is exactly why, instead of seeing commission as a "small line item," you should manage it as a core cost item, just like product cost and shipping.

Note: The "effective rate" above is the weighted average of single and installment transactions; your actual effective rate varies with your installment mix. You can quickly benchmark your own figures by entering them into the tool above.

Commission on foreign cards and international sales

If you sell abroad or accept foreign cards, the commission calculation changes. The rate on foreign (international) cards is generally higher than on domestic cards, because the international card network (Visa/Mastercard) and interchange costs increase. At some gateways the foreign-card rate is around 2.99% including taxes and above. In addition:

• Foreign exchange (FX) difference: A currency conversion difference may be added when collecting in a different currency.
• Foreign card acceptance being off by default: At some providers, international card acceptance is activated separately; if not activated, the international customer cannot pay and you lose the sale.
• 3D Secure requirement: On international transactions, the security verification may affect conversion.

If you are planning e-export, when choosing a provider be sure to ask about the "foreign-card rate and activation" and "foreign-currency collection" terms. If you have a company structure registered in Europe, providers such as Mollie with low rates on European cards can be a separate option; however, this is not possible for businesses established in Turkey.

10 critical questions to ask when choosing a payment gateway

When obtaining a quote, request the answers to the following questions in writing; this list both increases your bargaining power and prevents surprises:

1. What exactly is my single-payment commission rate, and is this rate "taxes included"?
2. What is the rate for each installment tier on installment transactions; does the customer or I bear the term differential?
3. Is there a fixed fee per transaction (for example 0.25 TRY)?
4. How many days is the value-date (the time for funds to reach the account) and how does it relate to the rate?
5. What is the foreign-card rate and is its acceptance on by default?
6. In the event of a return or chargeback, what fee/hold applies?
7. Under what conditions can my initial rate change in the future?
8. Is there a setup fee, monthly subscription, or inactivity fee?
9. With which e-commerce platform (ikas, etc.) do you have an official integration?
10. How do the support channels and resolution times work when there is a problem?

A provider that answers these questions clearly and in writing has already given a good signal on transparency.

Payment gateway trends in 2026

The industry is changing fast; a few trends standing out in 2026 may influence your choice:

• The "next-day payment" race: In an inflationary environment, sellers want to receive money quickly; many providers are highlighting no-hold/next-day payment. This makes the value-date–rate balance even more critical.
• Platform–provider partnerships: Official campaigns between e-commerce platforms (ikas, Ticimax, IdeaSoft) and payment institutions bring special low rates to users of specific platforms.
• BNPL (buy now, pay later): "Installment/pay later" products common in Europe are also on the agenda in Turkey; however, their cost mostly falls on the seller.
• The expectation of transparency: Users now want a published, predictable rate, which brings models offering a "single, clear rate" such as Tami to the fore.

In light of these trends, it is wise to assume that the quote you got a year ago may no longer be the best today; review your rates once or twice a year.

Summary: Choosing the right payment gateway

Payment gateway commission rates in 2026 form a dynamic structure ranging from roughly 1.9% to 4.3% for single payments, shaped by the variables of turnover, industry, card type, installments, and value-date. The table and interactive tool above offer a preliminary comparison based on your own amount; however, you should always make the final decision with the relevant provider's official quote. The right choice is not the offer with the lowest percentage; it is the one that balances rate, value-date, transparency, support, and ease of integration together.

To choose the most suitable payment gateway for your store, negotiate the commission, or set up payment and shipping integrations smoothly during your ikas installation, schedule a free discovery call. With our e-commerce consulting, we help you protect your profit margin by optimizing all your cost items, from commission to shipping. For ikas store setup, our ikas solution partner team is by your side.