Frequently Asked Questions
Payment Gateway
What is a payment gateway?
A payment gateway is the software infrastructure that enables businesses to accept online payments from customers and securely transmits these transactions to banks. It encrypts card data, authenticates via 3D Secure, routes to the bank and returns the result to the merchant. Treps is a PCI DSS Level 1 certified true payment gateway serving businesses in Turkey.
What is the difference between a payment gateway and a virtual POS?
A virtual POS is a payment acceptance service provided by a single bank and works only with that bank. A payment gateway connects to multiple banks and payment institutions through a single integration and offers advanced features such as smart routing, tokenization, fraud protection and payment orchestration. As a payment gateway, Treps provides access to 30+ banks and institutions via one API.
Is Treps a PSP or a true payment gateway?
Treps is not a payment service provider (PSP). It is a true payment gateway and payment orchestration platform that operates independently of any single bank or payment institution. Unlike PSPs that work on a specific acquirer's infrastructure, Treps provides multi-bank routing, PCI DSS Level 1 security, tokenization and payment orchestration. It is one of the very few solutions in Turkey that fulfils this distinction.
Payment Transactions
Which payment methods do you support?
You can accept payments with all local and international credit cards, debit cards, and prepaid cards.
Do you support installment payments?
Yes, we support installment options offered by partner banks.
Technical Questions
How long does the integration process take?
Thanks to our ready-to-use APIs and detailed documentation, the integration process takes on average 1–2 days.
Which programming languages do you support?
Our REST API supports all programming languages. We provide ready-made libraries for PHP, Java, .NET, Python, and Node.js.
Security
Are you PCI-DSS compliant?
Yes, we hold PCI-DSS Level 1 certification — the highest level of the international card data security standard.
Do you support 3D Secure?
Yes, we offer 3D Secure 2.0 support for all banks.
What is PCI DSS compliant payment infrastructure?
PCI DSS compliant payment infrastructure is a system where card data is never stored in the merchant's environment, protected instead by tokenization and encryption. Treps fully meets this standard with its PCI DSS Level 1 certified infrastructure.
How do you protect card data?
Treps uses tokenization: card numbers are instantly converted into unique tokens upon entry, so real card data never resides in the merchant's system. All data is transmitted using TLS 1.2/1.3 encryption.
Do you offer fraud protection?
Yes. The Treps platform detects suspicious transaction patterns in real time. Error code management, limit controls and bank-based routing rules automatically block fraudulent attempts.
Are you GDPR and KVKK compliant?
Yes. Treps operates in full compliance with GDPR and Turkey's Personal Data Protection Law (KVKK / Law No. 6698). Personal and financial data is processed only for the duration required by legal obligations.