As Shopify Payments isn't available in Turkey, Shopify stores in Turkey work with a third-party payment provider to accept card payments. The most common options are local providers such as iyzico, PayTR and Craftgate that connect to Shopify through a payment app. When choosing the right provider, you should weigh instalment support, the 3D Secure flow, acceptance of foreign cards, payout timing and compatibility with Shopify checkout alongside commission rates. When Shopify Payments isn't used, Shopify also charges a third-party transaction fee that varies by plan, on top of the provider's commission.
In this guide we explain payment options for Shopify stores in Turkey, how payment apps work, cost items and the questions to ask when choosing a provider, in detail.
Why isn't Shopify Payments available in Turkey?
Shopify Payments is Shopify's own payment infrastructure and is only offered in certain countries. Turkey isn't one of them. We explain what Shopify Payments is and which countries it's available in, in detail, in our Shopify Payments article.
The practical result for stores in Turkey: to accept card payments you need to use one of Shopify's approved payment apps and sign a separate agreement with the payment provider.
How do payment apps work on Shopify?
On Shopify, third-party payment providers connect to the store through payment apps approved by Shopify. When the customer chooses this provider at checkout, there can be two different flows:
Redirect to the provider's page: the customer enters card details on the provider's secure payment page and returns to Shopify when the transaction is complete. Most providers in Turkey use this method; 3D Secure verification also happens on this page.
Flow embedded in checkout: card fields appear inside Shopify checkout. This offers a smoother experience but isn't available for every provider or region.
Developing a payment app is only open to payment partners approved by Shopify; for eligible Shopify Plus stores, there's a custom payment extension option. We cover this in our custom payment gateway guide.
Main payment options for Turkey
iyzico
iyzico is one of the payment infrastructures most widely used by e-commerce sites in Turkey. It offers credit and debit card payments, instalment options and 3D Secure support. It works with Shopify through a payment app.
PayTR
PayTR is one of the local providers offering card payments through its virtual POS service. It supports instalment payments and 3D Secure.
Craftgate
Craftgate is a payment orchestration solution that lets you manage several bank virtual POS terminals and payment institutions under a single infrastructure. It stands out for high-volume stores that want to optimise cost and approval rates by routing transactions to different POS terminals.
Options for selling abroad
If you sell to customers abroad, check whether your provider accepts foreign cards and which currencies it collects in. Setting up a separate company and clone store for overseas markets can make it possible to use Shopify Payments in that market.
Criteria to consider when comparing providers
Criterion | Why it matters |
|---|---|
Commission rate | Determines the amount taken from each sale; room to negotiate usually grows with revenue |
Instalment support | Directly affects average basket and conversion in Turkey |
Payout timing | Affects cash flow; holding periods vary by provider |
3D Secure flow | Reduces security and fraud risk, but a poorly designed flow can increase checkout abandonment |
Foreign card acceptance | Critical for exporting brands |
Shopify compatibility | Whether the payment app supports refunds, partial refunds and order status sync |
Support and onboarding time | How long application and account opening take, and support quality when problems occur |
Cost items: what should you factor in?
Payment costs in your Shopify store consist of two main items:
The payment provider's commission: a percentage and sometimes a fixed fee taken from each transaction. In instalment transactions, maturity differences and commissions are calculated separately.
Shopify's third-party transaction fee: charged to stores not using Shopify Payments, at a rate that varies by plan. The rate falls on higher plans. Check current rates on Shopify's pricing page.
Be sure to factor the total of these two items into your product prices and campaign margins. For high-revenue stores, upgrading plans can pay for itself through the lower transaction fee.
Questions to ask the provider
Does your Shopify payment app support refunds and partial refunds?
How are instalment options shown at checkout?
How many days do payouts take, and is there a holding period?
Are foreign cards and different currencies supported?
How are chargeback processes managed?
Which documents are needed to apply, and how long does it take to open the account?
Setting up a payment provider on Shopify
Apply to the payment provider and complete your merchant agreement.
In your Shopify admin, go to Settings → Payments.
Find your provider's payment app and add it to your store.
Configure the app with the API details the provider gives you.
Place an order in test mode and try the payment, cancellation and refund flows.
Before going live, check order notification emails and your accounting integration.
Things to consider beyond payments
Invoicing: in Turkey you need to issue an e-Archive invoice or e-Invoice for every sale. We explain tax obligations in our tax and VAT article.
Cash on delivery and bank transfer: cash on delivery and bank transfer options can also be offered with Shopify's manual payment methods.
Distance selling and KVKK texts: legal texts must be presented to the customer before checkout.
Frequently asked questions
Can you accept credit card payments with Shopify in Turkey?
Yes. Even without Shopify Payments, you can accept credit and debit card payments with the payment apps of providers such as iyzico, PayTR and Craftgate.
Can I sell in instalments?
Yes. Most payment providers in Turkey offer instalment support. Showing instalment options clearly on the product page and at checkout increases conversion.
Can I avoid the third-party transaction fee?
This fee is only waived when Shopify Payments is used. As Shopify Payments isn't available in Turkey, the way to reduce the rate is to move to a higher plan.
Which provider is the cheapest?
As commission rates vary by revenue, industry and negotiation, there's no single right answer. The best approach is to get quotes from several providers and compare the total cost (commission, instalment costs, payout timing).
Let's set up your payment infrastructure together
The right payment provider and a smooth payment flow directly affect conversion rate. If you'd like to plan your Shopify store's payment infrastructure and integrations together, get in touch through our Shopify development services page.
