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CreativeCode

Turkey payment integration

CreativeCode+iyzico

Turkey's most widely used payment infrastructure. Integrated into your website or mobile app in 3-7 business days with credit card, debit card, installments, and bank transfer support.

Quick answer

iyzico integration adds credit card, debit card, installment, and bank transfer payment to your web or mobile app. PCI-DSS Level 1 compliant, 3D Secure supported, KVKK compliant. Setup 3-7 business days; monthly cost is revenue-based commission.

Setup cost

10,000 – 30,000 TL (integration development)

Monthly

iyzico commission: 2.85% + 0.25 TL / transaction (standard); bank commission added for installments

Duration

3-7 business days

Who is this for

→E-commerce site or marketplace: card + installments

→SaaS product subscription: auto-renewal (iyzico Subscription)

→Appointment / service prepayment

→In-app payment (iOS + Android)

Data flow

User → Payment form (iyzico Checkout or custom form) → iyzico API → Bank/card network → iyzico webhook → App backend → Order confirmation

Setup steps

  1. 01

    iyzico account and API keys

    Get sandbox and production API key + secret key from iyzico Merchant Panel.

  2. 02

    SDK or REST API selection

    PHP, Node.js, Python, Java, or .NET SDK; or direct REST API.

  3. 03

    Checkout form setup

    iyzico Checkout (iframe) or custom card form; 3D Secure mandatory.

  4. 04

    Webhook configuration

    Define webhook endpoint for payment result notifications; success/failure/cancellation flows.

    // Webhook verification example
const hash = crypto.createHmac('sha256', secretKey)
  .update(body)
  .digest('base64');
if (hash !== req.headers['x-iyz-signature']) throw new Error('Invalid');
  5. 05

    Installment and campaign settings

    Per-bank installment configuration; restrict or expand installments for specific cards/banks.

  6. 06

    Test + go live

    20+ payment scenario tests with sandbox test cards; go live with production keys.

Common pitfalls

  • Forgetting to switch sandbox keys to production
  • Storing cards without 3D Secure — PCI violation
  • No webhook → order sync failure
  • Installment mismatch: user selected 12, order saved as 1
  • KVKK: card data must not be stored on your server — use iyzico token

Frequently asked questions

What payment methods does iyzico support?

Credit card, debit card, installments (3-12 months), bank transfer/EFT, and BKM Express. Digital wallet support is limited.

iyzico vs PayTR?

iyzico: better developer experience, rich SDK, strong installment management. PayTR: slightly lower commission, wider virtual POS options. Both are Turkey's leading payment infrastructures.

How does iyzico Subscription work for recurring billing?

Card token is stored in iyzico; automatic charge is made at the set period (monthly, yearly). If the charge fails, a webhook notification is sent and retry logic handles it.

Get a quote for CreativeCode + iyzico integration

Fixed-scope written proposal after a 30-minute discovery call.

Start a discovery call