Which payment methods does io40 virtual POS support?

Visa, Mastercard, Troy, American Express, QR payment (BKM Express/Troy QR), bank transfer, FAST instant payment, Apple Pay, Google Pay, and crypto payment integrations are all supported.

Do we need separate contracts with each bank?

No. io40's multi-bank integration layer allows you to connect to all local and global banks through a single API integration and a single contract.

Is installment payment supported?

Yes. 2, 3, 6, 9, and 12-month installment options, bank campaign integrations, and an installment management panel are included as standard.

Is the platform PCI DSS compliant?

Yes. All card data processing occurs on PCI DSS Level 1 compliant infrastructure. Card numbers are tokenized — never stored in plain text.

Payment Systems & Virtual POS

Manage Your Payment Processes End-to-End

We provide all the infrastructure you need for a secure, fast, and uninterrupted payment experience. Optimize your payment processes with credit card tokenization, recurring payments (subscription), and fraud detection systems.

Payment Infrastructure Components

Multi-Bank Integration Layer

Single API connection to 20+ Turkish banks and global payment networks:

Turkish Banks: Garanti, İşbank, Akbank, Yapı Kredi, Ziraat, and all others
International Cards: Visa, Mastercard, American Express, UnionPay
Domestic Card: Troy (Interbank Card Center)
Alternative Payments: FAST, EFT, QR, digital wallets (BKM Express, etc.)

Virtual POS Features

3D Secure 2.0: Frictionless authentication with challenge fallback
One-Click Payment: Fast checkout with saved cards
Recurring Payments: Subscription and periodic billing automation
Multi-Currency: DCC (Dynamic Currency Conversion) support

Installment Management

2, 3, 6, 9, 12-month installment options
Bank campaign and bonus installment integration
Cash vs. installment commission management
Installment matrix management panel

Fraud Prevention & Security

AI-Powered Fraud Detection

io40’s machine learning fraud engine detects suspicious transactions within milliseconds:

User behavioral profiling
Geo-anomaly detection
Card usage pattern analysis
Real-time rule engine + ML hybrid approach

PCI DSS Compliance

All card data processing runs on PCI DSS Level 1 compliant infrastructure:

Card numbers tokenized — never stored in plaintext
P2PE (Point-to-Point Encryption) support
Regular ASV scanning and penetration testing

Chargeback Management

Automated chargeback lifecycle management:

Automatic detection of chargeback notifications
Automated collection of transaction evidence
Digital dispute management with issuing banks
Chargeback rate analytics and prevention reporting

B2B Payment Solutions

Specialized modules for enterprise payment flows:

Virtual IBAN Payment Collection:

Unique virtual IBAN per customer/invoice
Incoming transfers automatically matched to invoices
Real-time notification and reconciliation

Bulk Payments:

Pay thousands of vendors/suppliers in a single batch
CSV/API-based payment instruction upload
Approval workflows and authorization levels

Marketplace Payment Splitting:

Automatic revenue split to multiple sellers from a single transaction
Platform commission calculation
Seller dashboard and reporting

Integration & Support

REST API and SDK (PHP, Python, Node.js, Java, .NET)
Sandbox environment with real card simulation
Webhook-based instant payment notifications
24/7 technical support with SLA guarantee

Modernize your payment infrastructure →