You’ve set up your Shopify store, added your products, and then you open Settings > Payments: there’s no Shopify Payments. That’s not a bug. Shopify Payments isn’t offered in Turkey, so to take card payments you need to connect one of the third-party providers Shopify supports.
Below we walk through the process, focusing on the questions we hear most often during setups.
Provider approval and Shopify settings are two separate things
Seeing a provider in Shopify’s list doesn’t mean that provider will work with you. The usual order is:
- Apply to the payment institution (iyzico, PayTR and so on) as a merchant. Your company type, sector and documents matter here.
- Once approved, get your API credentials from the provider’s panel.
- Install the provider’s Shopify app, or add the provider under Settings > Payments and enter the credentials.
- Run test payments, then switch to live mode.
Approval can take a few days. Plan for it: applying the day before launch rarely works out.
Which providers are there?
The two names you’ll hear most for Shopify in Turkey are iyzico and PayTR. iyzico offers a payment app you can install from the Shopify admin, and PayTR is widely used by Shopify stores too. If you want to manage several POS accounts from one place, payment orchestration services such as Craftgate are also an option.
Which providers show up in your admin depends on your store’s country and currency settings. If a provider is on Shopify’s regional list but missing from your admin, check those settings first.
Commission is the obvious thing to compare, but it shouldn’t be the only one. We also ask:
- Is the payment taken inside Shopify’s checkout, or is the customer sent to the provider’s page?
- How are installment options shown, and which cards do they apply to?
- How many days until the money reaches your account?
- Can refunds and partial refunds be done from Shopify, or only from the provider’s panel?
- When something breaks, can you actually reach their technical support?
Direct or redirect?
Third-party card providers on Shopify work in roughly two ways. With some, the customer never leaves Shopify’s checkout. With others, after clicking “Complete order” the customer goes to a payment page hosted by the provider, enters card details there and comes back to the store when it’s done.
The redirect model isn’t a problem in itself and it’s common in Turkey. Two things need attention, though. If the callback URL isn’t set up correctly, the card is charged but the order isn’t marked as paid in Shopify. And test what happens to the order when a customer closes the browser on the 3D Secure screen.
One more rule: only one main credit card provider can be active on Shopify at a time. Manual methods like bank transfer or cash on delivery can be added alongside it.
Installments
Selling higher-priced products in Turkey without installments is hard. But installments aren’t a Shopify feature; they come from the provider and your merchant agreement. Which cards get how many installments, who pays the interest, and the legal installment limits on some product groups are all set on the provider side.
In practice there are two jobs: letting the customer pick installments at checkout, and showing “6 installments of X” on the product page. The second usually needs theme work. Don’t hard-code an installment table and forget it; when rates change and the table doesn’t, customers notice.
Shopify’s extra transaction fee
When you use a provider other than Shopify Payments, Shopify may charge its own transaction fee on each sale, depending on your plan. It comes on top of the provider’s commission. Since the rate depends on the plan, check Shopify’s current pricing page when you do the math. On low-margin products this can even change which plan makes sense.
Currency when selling abroad
With Shopify Markets you can show prices to international customers in their own currency. But with providers other than Shopify Payments and Adyen, checkout falls back to the store’s default currency. So a customer may see euros on the product page and Turkish lira at checkout. If you plan to sell abroad, sort this out early; see our cross-border service page.
Before going live
- In test mode, run one successful payment, one failed payment and one cancelled at the 3D Secure step.
- After each test, check the order status in Shopify.
- Do a full and a partial refund and confirm the amounts in the provider’s panel.
- Try checkout on a phone, especially inside in-app browsers like Instagram’s.
- Turn test mode off when you’re done. While it’s on, real customers can’t pay by card.
Stuck somewhere?
Payments are the most sensitive part of a store. A small mistake turns into lost orders, or orders that were charged but show as unpaid. If you’re still setting up, see our Shopify integration service. If your store isn’t taking payments right now, go to emergency support. For other platforms, see payment gateway and virtual POS integration.