QNBpay, established under the umbrella of QNB, one of the leading institutions in the finance sector, offers SMEs a secure, fast, and seamless payment experience through a user-friendly merchant panel, integrated with all banks.
With QNBpay Virtual POS, you can offer your customers both one-time and installment payments using any bank card. You don’t need separate agreements with each bank. There are no setup fees, transaction fees, or monthly charges—so you can focus entirely on your business.
QNBpay Link POS allows you to generate secure payment links through your Merchant Panel and collect payments even without a website. You can accept both one-time and installment payments from all bank cards, helping you focus on growing your business.
QNBpay Digital POS enables you to collect payments remotely with 3D Secure, and monitor your transactions through your merchant panel. QNBpay lets you focus on your business with peace of mind.
No. QNBpay merchants are not charged any setup, subscription, or inactivity fees.
Our settlement options (next-day or with delay) and commission rates vary depending on your business model and volume.
For more information, contact us at +90 212 319 23 70 or support@QNBpay.com.tr.
QNBpay offers personalized commission rates based on your monthly volume and annual revenue goals. Fill out the application form to get a tailored offer from our sales team.
Yes. You can reach QNBpay Support via +90 212 319 23 70, support@QNBpay.com.tr, or directly from the support section in the merchant panel.
Yes. You can define access permissions for your employees through the QNBpay Merchant Panel and enable them to process sales.
You can fill out the application form to start benefiting from QNBpay products. Our team will contact you promptly.
Yes. Having a website is not required to apply for QNBpay.
Tax certificate, trade registry gazette, ID copies of partners, and signature circulars are required. Additional documents may be requested depending on your industry.
For details, contact us at +90 212 319 23 70 or support@QNBpay.com.tr.
Once all required documents are received, the application process begins promptly and is usually completed within a few business days.
You can contact us at +90 212 319 23 70 or support@QNBpay.com.tr for updates.
You can access the agreement and privacy policy via qnbpay.com.tr.
QNBpay offers 3 different payment solutions for merchants:
Link POS: Accept payments via social media or messaging apps, no website needed.
Digital POS: Collect payments securely from remote locations.
Virtual POS: Receive payments through your e-commerce site, integrated with all banks.
It is an online payment solution that allows you to accept credit and debit card payments securely and quickly on your e-commerce website.
You need a fully functional e-commerce website or app with product and pricing info, company details, privacy policy, sales contract, return/delivery conditions, and an SSL-secured payment page.
QNBpay Virtual POS works with open-source platforms like WooCommerce and Opencart, and with ERP-integrated solutions like Ödüyo, Logo Yazılım, and Bulut Tahsilat.
Yes. A test account is available. Visit https://apidocs.qnbpay.com.tr/#/ or the Developers section on our website.
QNBpay Link POS is a payment solution that enables all SMEs to receive payments easily and securely via a link—without the need for a website. This method allows you to send a payment link to your customers and receive payments securely. Customers can click on the link and complete the payment safely and conveniently.
QNBpay Link POS is available to all SMEs and serves as an alternative payment method, especially for businesses without a website. It allows you to receive payments through social media accounts, instant messaging apps, or other online communication channels. You can send the payment link to your customer via any preferred method—such as SMS or email—and easily track all generated links through the QNBpay Merchant Panel. With this solution, receiving payments is faster and no longer requires having a website.
Yes, Link POS works even if you don’t have a website.
Digital POS is a secure remote payment method using mail order, supported by 3D Secure.
Yes, you can start accepting payments quickly by using QNBpay’s Secure Payment Page. It’s a practical and reliable solution for e-commerce sites that enhances security without requiring an SSL certificate or server costs. The QNBpay Secure Payment Page is fully customizable to match your brand.
From the QNBpay Merchant Panel, you can create payment links, receive payments via mail order, and view your payouts. You can also monitor various details related to sales reports, payment transactions, and refund requests. Additionally, the panel allows you to manage your account settings and user information with ease.
Contact our support team at +90 212 319 23 70 or email support@qnbpay.com.tr.
QNBpay accepts all domestic credit/debit cards and many international ones, including Mastercard, Visa, Troy, American Express, UnionPay, JCB, Diners, and Discover.
Yes. With a single agreement, you can offer installment options for cards like QNB Card, World, Bonus, Maximum, Axess, Paraf, Advantage, Bankkart, and Sağlam Card.
You can accept installment payments with credit cards from major programs including QNB, World, Bonus, Maximum, Axess, Paraf, Advantage, Bankkart, and Sağlam Kart.
With our QNBpay Digital POS product, accepting remote payments with 3D Secure is both easy and safe. Simply enter your customer’s information via the Merchant Panel to securely complete remote transactions.
Yes, agricultural cards are accepted.
Your balance is transferred automatically to your registered bank account on the settlement date.
Yes, if international acceptance is enabled for your account.
You can instantly track payments received through QNBpay Virtual POS, QNBpay Link POS, and/or QNBpay Digital POS from the QNBpay Merchant Panel. The panel also provides access to personalized summary reports and detailed records of past transactions. Additionally, you can monitor your payout schedule and manage your cash flow with ease through the QNBpay Merchant Panel.
You can perform cancellations on the same day through the Transactions tab in the QNBpay Merchant Panel. For transactions on the following day, you can issue refunds from the same Transactions menu.
No. Refunds are free of commission.
A chargeback is the process initiated by the cardholder’s bank when the cardholder disputes a credit card transaction. This may occur if the cardholder does not accept the payment or if there is an issue with the transaction or the product/service provided—even if the cardholder made the transaction themselves. If the dispute is resolved in the cardholder’s favor, the payment amount is refunded to their card.
International card providers such as Visa and Mastercard set global standards and rules that govern chargeback procedures to ensure consistency and consumer protection worldwide. Both cardholders and merchants are required to comply with these standards. If a customer experiences a problem with a transaction or notices a charge they did not authorize, they can contact their card-issuing bank to initiate a dispute. The dispute process then takes place between the cardholder’s bank and the acquiring bank, following the operational flow defined by the card networks.
Since international payment institutions apply standardized procedures, the chargeback process is the same across the globe. Whether the transaction takes place domestically or internationally, the process does not change. At QNBpay, we strictly follow these rules, carefully review each case, and take appropriate action in line with card scheme regulations to resolve disputes promptly and accurately.
To dispute a transaction made using a credit or debit card, the cardholder contacts their issuing bank. The bank investigates the validity of the transaction, and if the necessary technical conditions are met, the chargeback process is initiated. The process then proceeds as follows:
The issuing bank forwards the dispute to the acquiring bank (merchant's bank).
The acquiring bank shares the dispute with the merchant and requests documentation or information in accordance with card scheme rules, depending on the reason for the dispute.
The merchant submits the requested documents to the acquiring bank within the deadlines set by the bank. If the merchant fails to respond within the designated timeframe, the disputed amount is debited from the merchant’s account.
If the submitted documents are found insufficient under the card scheme rules, additional documents may be requested. Once sufficient and compliant documentation is provided, the dispute is answered using those materials, and the merchant indicates that they do not accept the chargeback claim.
Unauthorized transaction: Disputes involving transactions made without the cardholder’s consent (e.g., fraud, use of card information by third parties, or the cardholder stating "I did not make this purchase").
Process error disputes: Such as duplicate transactions, discrepancies in transaction amounts, etc.
Cancellation/refund transaction disputes
Failure to receive the product or service
Delivery of a faulty or defective product/service
Technical error/authorization (provision) error disputes
The evaluation period for a chargeback varies depending on the reason for the dispute. For 'product/service not received' claims, the request must be submitted within a maximum of 540 days from the transaction posting date. However, the expected delivery date of the product/service must not be more than 120 days prior to the date the dispute is submitted. For 'I did not make this transaction' claims, the chargeback request must be filed within 120 days.
The required documents vary depending on the reason for the chargeback, but in general, merchants are expected to provide the following information/documents:
Transaction details and payment information (e.g., invoice)
Account details and transaction history of the disputing customer
Order form and confirmation
Proof of delivery (e.g., shipping confirmation or a delivery receipt signed by the recipient)
Proof of service provided (e.g., hotel reservation, digital service delivery, digital PIN, etc.)
Documents related to the cancellation and refund policy
As stated by the card providers, refunds must be made strictly to the card used in the original transaction. Refunds issued via methods such as wire transfer, EFT, or SWIFT are not considered valid under the rules unless explicitly accepted by the cardholder.
Merchants that frequently receive chargeback requests may be deemed high-risk following compliance reviews conducted by payment providers or banks. This can result in service restrictions or even POS cancellations. Therefore, attention should be paid to the following:
Improved customer service: Timely resolution of issues that may arise from customer transactions.
Accurate product and service descriptions: Avoiding incomplete or misleading information in product listings.
Transaction approval and payment security: Ensuring the customer has provided full and correct authorization for the transaction.
Proof of delivery and order fulfillment: Providing documents that confirm the product or service was delivered correctly to the person who placed the order.
Contact support at +90 212 319 23 70 or support@qnbpay.com.tr.
Contact support at +90 212 319 23 70 or support@qnbpay.com.tr.
