Payments & Collection

Take payments from every bank with one connection

Connect once to your site or app; card payments, installments and pay-by-link work across every bank, and reconciliation takes care of itself.

Request a demo How it works
Ropilo cloud or your own server, architected to stay out of PCI scope Business-day support with priority response on collection outages
6 INSTALMENTS
Home Products Virtual POS Payment Collection System
In short

The Virtual POS Payment Collection System lets businesses take card payments online. It works with several banks at once, routes each card to the best-suited POS and shows installment options to the customer. It creates the accounting record for every payment automatically.

Who it's for
E-commerce sitesThose with agreements at more than one bank
Subscription and SaaS businessesThose who need recurring payments
Schools, associations and foundationsThose who want to collect by sending a link
How it works

How it works

Three steps, no technical detail.

You connect once

One connection to your site or app. We wire up the banks.

The customer pays by card

The bank is chosen by card, installments shown, and it is approved with 3D Secure.

Reconciliation builds itself

Each payment's record lands instantly; there is no end-of-day matching.

What you get

What you get

Pay lower commission

Each card goes to its own bank, so the lowest agreed rate applies.

Fewer abandoned baskets

The customer sees the installment cost before paying; no surprises.

Card data never sits with you

The payment happens at the bank; no card details remain in your system.

What you see on the dashboard

Installment preference distribution

Installment preference distribution sample data · not real customer data

Which installment options are chosen feeds commission planning. Because the surcharge is shown at selection, the customer sees the cost before completing payment.

Data table
Installments Value
Single payment%42
3 installments%27
6 installments%19
9 installments%8
12 installments%4
Frequently asked questions

Frequently asked questions

Which banks does it work with?

It works with the virtual POS infrastructure of Türkiye's major banks and with payment providers such as iyzico and PayTR. Tell us your contracted bank and we set up the connection.

Do I need to change my website's code?

A small connection is enough; we provide plug-ins for common e-commerce platforms. If you have your own software it connects through the API.

Are card details stored on my server?

No. Card details are processed on the bank's or payment provider's page; only a transaction reference stays with you.

What does it cost?

A monthly licence based on transaction volume; bank commission is separate. Tell us your monthly transaction count and we will send a quote.

Plans

Plans

Setup and support are included in every plan. Ask for a quote for pricing. Monthly license based on transaction volume; bank commission separate.

Starter

single bank · basic collection

On request
  • Single-bank POS integration
  • 3D Secure
  • Basic financial report
Get a Quote

Multi-Bank

up to 6 banks · installments

On request
  • Multi-bank routing
  • Installment management
  • Payment links
  • Automatic reconciliation
Get a Quote

Enterprise

unlimited banks · API · recurring payments

On request
  • Everything in Multi-Bank
  • Recurring payments
  • Full API access to the collection flow
  • Accounting/ERP transfer
Get a Quote
Before and after

Before and after

Process change before and after
Before
  • A separate integration is written per bank
  • The installment surcharge appears at the end of checkout
  • Reconciliation is matched by hand at end of day
After
  • One flow with only an adapter per bank
  • The surcharge is visible at selection
  • The reconciliation record is created with the transaction
Technical detailsSystem map, process and architecture decisions — for technical teams
System map who talks to which system
PEOPLE ROPILO EXTERNAL SYSTEM Customer card payment Finance team reconciliation and reporting Developer API integration Collection System bank routing enginereconciliation records Bank virtual POS 3D Secure collection PayTR / iyzico payment infrastructure Accounting / ERP reconciliation transfer
Process 5 steps
  1. Developer

    Collection is wired in through the API

    Order and amount → Payment session

  2. Routing engine

    The best-fitting bank and installment options are offered

    Card BIN → Installment table

  3. Customer

    Payment completes through 3D Secure

    Card and installment choice → Approved payment

  4. Routing engine

    A reconciliation record is created automatically

    Approved payment → Reconciliation record

  5. Finance team

    Commission and collections are reported from the panel

    Period transactions → Financial report

Design decisions 3 notes

  1. The installment surcharge is visible at selection

    The customer sees the cost of each installment option before completing the payment.

  2. Reconciliation is produced with the transaction

    End-of-day matching was not left as a separate job — the record is created at payment time.

  3. Card data is never stored in the system

    The payment flow runs through the bank and the payment provider; the platform stores only the transaction reference and the reconciliation record. This is the decision that keeps the deployment out of PCI scope.

ASP.NET Core MSSQL Entity Framework PayTR iyzico Bootstrap Bank virtual POS PayTR iyzico Accounting / ERP

Which tier fits you?

Tell us your user count and deployment preference, and we will work out the right tier and price together.

Request a demo