What is Payment Gateway?
Also known as: Ödeme geçidi
A payment gateway is the technical infrastructure that securely captures card details in an online purchase, passes them to the relevant bank's virtual POS system and returns the bank's approval or decline to the merchant. All transaction types — sale, cancellation, refund and pre-authorisation — run through the payment gateway.
How does Payment Gateway work?
- The customer enters card details on the payment page; the gateway receives them encrypted and starts 3D Secure authentication where required.
- The transaction is sent to the virtual POS of the merchant's acquiring bank. The bank obtains approval from the card-issuing bank and returns the result to the gateway.
- The gateway notifies the merchant of the result (via redirect or webhook). The whole cycle completes within seconds.
Key points
- PCI DSS compliance is mandatory because the gateway handles card data
- Can be provided by a bank directly or by an intermediary connected to several banks
- An intermediary lets merchants connect to multiple banks with a near-identical integration
Payment Gateway with Treps
Treps Payment Gateway is a bank-agnostic, PCI DSS Level 1 certified gateway with 3D Secure 2.0 support. Businesses connect to multiple banks and payment institutions through a single REST API; smart routing, failover, instalment management and tokenization are built on top of it.
Frequently asked questions
Is a payment gateway the same as a virtual POS?
No. A virtual POS is the card-acceptance merchant account a bank assigns to a business. A payment gateway is the technical bridge that captures card details and passes them to that virtual POS. A bank-agnostic gateway can connect to the virtual POS accounts of several banks with the same integration.
Why connect to more than one bank or gateway?
In Turkey, instalment campaigns are usually available only through the card-issuing bank's own virtual POS or banks in the same card programme. Businesses work with several banks to offer more instalment options, reduce commission and keep a backup channel for bank outages.