What Is a Virtual POS?
You already know the physical POS terminal — the card reader at the checkout. A virtual POS is exactly that, but for the internet. Through a payment screen embedded in your website, your customers can pay by credit or debit card. The payment lands directly in your bank account.
How Does the Payment Process Work?
- The customer selects a product or service and proceeds to the payment page.
- They enter their card details: number, expiry date, and CVV.
- The bank checks whether the card is valid and the balance is sufficient.
- If 3D Secure is active, a verification code is sent to the customer's phone.
- Once the code is confirmed, the amount is transferred to your account and the customer receives an order confirmation.
What Is 3D Secure and Why Does It Matter?
3D Secure adds a second identity verification step during payment. After entering their card details, the customer receives an SMS or app notification from their bank and confirms it. Without this step, someone using a stolen card could make a payment — and if disputed, the liability could fall on you. With 3D Secure active, that liability shifts to the bank. So you are protecting both your customer and yourself.
How Does Instalment Support Affect Sales?
Virtual POS systems from banks usually support instalment payments. When a customer can split a purchase into three or six payments, they find it easier to decide — because they are not deferring the cost, just spreading it. Instalment options are especially effective for products priced above 1,000 TL. Commission rates vary by bank and number of instalments, and this cost is typically borne by the seller.
Who Needs It?
- You sell products or services through your website.
- Your customers want to pay upfront rather than on delivery.
- You have sales that cannot be settled at the door — reservations, subscriptions, or digital content.
- You already accept bank transfers but want to add a customer-friendly card payment option.