If you want to improve your e-commerce store’s performance, you must focus on payment systems as much as product quality. This is because most visitors may abandon their shopping due to problems or feelings of insecurity during the payment step. Especially for businesses using Shopify infrastructure, choosing the right payment processing systems not only increases sales but also strengthens customer experience and reduces return rates.
In this comprehensive guide, we will examine step by step what you need to know about Shopify payment infrastructures, the options used in Turkey and globally, and how to choose the right system for your own store.
Basic Ways to Receive Payments on Shopify
Shopify offers store owners several different ways to receive payments:
1. Shopify Payments
This is Shopify’s own payment infrastructure. It is based on Stripe and cannot be used directly in Turkey at the moment. However, it is actively used in countries such as the US, Canada, and the UK.
Advantages:
- Directly integrated with Shopify admin panel
- No additional transaction fee (only Stripe transaction fee is charged)
- Provides speed and simplicity in the payment flow
- Sales reports and analytical data can be viewed directly in the Shopify panel
- Offers easy management for subscription models
Disadvantages:
- Not available in Turkey
- Requires additional verification in some countries
- There may be restrictions in certain product categories
2. External Payment Providers
Shopify allows you to work integrated with different payment providers in many countries, including Turkey.
Popular options:
- iyzico
- PayTR
- Stripe
- PayPal
- Bank virtual POS solutions such as Garanti Virtual POS, İş Bank, Akbank
- 2Checkout (Verifone)
- Klarna
- Amazon Pay
Integration Process:
- Install the relevant payment provider application from the Shopify App Store
- Connect your account information
- Enter API keys
- Check the system by making a test payment
- Go live
3. Manual Payment Methods
Methods such as Bank Transfer/EFT, Cash on delivery, Payment with invoice can be manually defined through Shopify.
These methods are generally used to:
- Build trust
- Be preferred in offline processes
- Appeal to specific customer segments
- Avoid paying commissions
How to set up manual payment:
- Go to “Settings > Payments” from the Shopify admin panel
- Activate the option you want from the “Manual payment methods” section
- Add necessary instructions (IBAN, address, etc.)
- Define custom messages for your customers
Popular Shopify Payment Infrastructures Used in Turkey
iyzico
One of Turkey’s most common e-commerce payment systems.
Pros:
- Installment option (3, 6, 9, 12 month options)
- Comprehensive API support
- Shopify plugin available
- PCI-DSS compliant security infrastructure
- Easy integration process
- Turkish customer support
- Payment security with Protection Plus
Setup Steps:
- Create a membership with iyzico
- Install the iyzico application from the Shopify App Store
- Integrate API and security keys
- Check the system by making a test payment
PayTR
Known for its fast application process and user-friendly panel.
Pros:
- Installment sales opportunity
- Mobile-compatible payment page
- Full integration with Shopify
- Useful as a virtual POS alternative
- 24/7 technical support
- Fast money transfer
- Low commission rates
Payment Statistics Management:
- Detailed reporting tools
- Easy panel for refund and cancellation processes
- Automatic reconciliation
- Sales trends analysis
Stripe
It cannot be used directly in Turkey; however, it is a very powerful solution for stores selling abroad.
Pros:
- Support for 135+ currencies
- Subscription management
- Advanced fraud prevention tools
- Apple Pay and Google Pay integration
- Automatic tax calculation
- Programmable payments
Ideal Features for Global Sales:
- Seamless processing of international cards
- Supporting local payment methods
- Multi-language support
- Automatic currency conversion
PayPal
It is an indispensable payment method especially if you are selling to global customers.
Pros:
- Infrastructure trusted by millions of users
- Instant payment receipt
- High customer confidence due to buyer protection
- Easy international money transfer
- Mobile payment compatibility
- One-click payment with the “Buy Now” button
Setup Tips:
- Open a Business Account
- Upload all documents completely to speed up the approval process
- Activate PayPal Express Checkout
- Make mobile optimization settings
How is Payment Processed Through Shopify?
After the customer presses the “Buy” button, the following process works in the background:
- Payment information is entered (card, PayPal, etc.)
- The information is encrypted and evaluated by the payment processing system
- Security check is performed (3D Secure, fraud check)
- If approval is received, the transaction is completed and the order is created
- The store owner is informed, the customer is directed to the confirmation screen
Shopify establishes deep integration with payment providers to make this entire process user-friendly and secure.
Payment Technologies and Security
SSL Certificate: Shopify automatically provides SSL certificates to all stores. This guarantees that your customers’ payment information is transmitted in an encrypted and secure manner.
PCI DSS Compliance: Payment Card Industry Data Security Standard (PCI DSS) is a protocol that ensures security in credit card transactions. Shopify and most payment providers comply with this standard.
3D Secure: 3D Secure technology, which is mandatory for all credit card transactions in Turkey, provides extra security by verifying the identity of the cardholder during payment.
Tokenization: Information security is enhanced by representing customer card information with a secure “token” without storing it in the system.
What Should You Consider When Choosing the Right Shopify Payment Method?
If you are setting up a new payment infrastructure in your Shopify store or updating an existing one, be sure to consider the following factors:
1. Target Market
Are you selling domestically, or have you opened up to global markets?
- For Turkey: iyzico / PayTR
- For abroad: PayPal / Stripe
- Mixed market: Multiple payment provider integration
Understand Local Payment Preferences:
- Installment payment option is important in Turkey
- Bank transfer is popular in Europe
- Credit card usage is common in the US
- Digital wallets are preferred in Asian markets
2. Commission Rates
Each provider has a different deduction rate.
- iyzico: 2.19%–3.09% + fixed fee
- PayPal: 3.4% + 0.35 USD
- Stripe: 2.9% + fixed fee
- PayTR: 1.99%–2.99% (variable depending on card type)
Watch Out for Hidden Costs:
- Monthly fixed fees
- Money withdrawal costs
- Chargeback fees
- Currency conversion commissions
- International transaction fees
3. Money Withdrawal Time
- iyzico: average 2 business days
- PayTR: usually daily or weekly
- PayPal: instant withdrawal option in some countries
- Bank POS: 1-3 business days according to agreement
Tips for Cash Flow Management:
- Create a regular payment withdrawal calendar
- Consider minimum payment amount thresholds
- Plan for holidays and weekends
- Activate automatic transfer options
4. Ease of Integration
Providers with direct applications in the Shopify App Store offer more seamless installation:
- Easy integration: iyzico, PayPal, PayTR
- Medium level: Some bank virtual POS solutions
- Complex: Systems requiring custom API development
Technical Support Quality:
- Is Turkish support provided?
- Is there live support?
- How comprehensive is the documentation?
- Can technical assistance be received during integration?
5. Customer Trust
Familiar and secure payment logos reduce cart abandonment rates:
- Show trust stamps (SSL, 3D Secure, Secure Payment)
- Offer well-known payment methods
- Clearly state refund and cancellation policies
- Add customer reviews or trust badges on the payment page
Enhancing Security Perception:
- Make “Secure Payment” badges visible on the checkout page
- Use security statements like “256-bit SSL protected”
- Explain how personal data is protected during payment
- Use design elements that will enhance security perception on mobile devices
Increase Your Sales by Improving the Payment Process
Many store owners can neglect the payment process while focusing on product-oriented strategies. However, 70% of users abandon shopping on the payment page. To prevent this, pay attention to the following:
Optimization Strategies
- Add one-click payment systems
- Fast payment with saved card information
- Direct payment with “Buy” buttons
- Digital wallet integrations (Apple Pay, Google Pay)
- Use mobile-compatible, simple and secure payment pages
- Responsive design
- Minimum form fields
- Auto-complete support
- Easy navigation
- Reduce payment steps (guest payment option)
- Don’t require mandatory membership
- Offer single-page payment
- Automatic address verification
- Progress bar showing the number of steps
- Make “SSL Certificate”, “Secure Shopping” badges visible
- Use security symbols on the payment page
- Display logos of well-known payment methods
- Emphasize security protocols such as 3D Secure
- Share refund/cancellation processes transparently
- Clear refund policy
- Easily accessible customer service
- Automatic order tracking
- Guidance to the user in the refund process
A/B Testing Tips
You can do these A/B tests to optimize the payment process in your Shopify store:
- Different payment forms: Single-step vs. multi-step checkout
- Button colors and texts: “Pay Now” vs. “Complete Order”
- Trust signals: Positions of different security badges
- Mobile vs. desktop optimizations: Device-specific designs
- Promotion code box: Default display vs. keeping hidden
Payment Analytics and Tracking
Track these metrics to continuously improve your payment process:
- Cart abandonment rate: Percentage of users who give up on the payment page
- Conversion rate: Ratio of users who come to the payment page and complete the purchase
- Average order value: Track changes according to different payment methods
- Payment method usage rates: Analyze which methods are more preferred
- Error rates: Frequency of technical problems experienced during payment
Selling in International Markets with Shopify
If you want to do global e-commerce, you should configure your payment systems accordingly:
Multi-Currency Support
- Price display in different currencies
- Automatic currency conversion
- Local tax calculations
- International shipping options
Local Payment Methods
Integrate popular payment methods for each market:
- Europe: SEPA, Sofort, Giropay
- North America: Venmo, ACH
- Asia: Alipay, WeChat Pay, Paytm
- Latin America: Boleto, Oxxo
International Compliance
- GDPR (Europe)
- PSD2 (Strong Customer Authentication in Europe)
- Local tax regulations
- Data storage policies
Common Problems and Solutions
1. Payment Rejection Issues
Causes:
- Insufficient balance
- Suspicious transaction detection
- 3D Secure verification error
- Restriction by bank
Solutions:
- Offer alternative payment methods
- Show clear error messages
- Provide customer support contact information
- Automatic retry options
2. Integration Issues
Common Errors:
- API key misconfiguration
- Webhook errors
- SSL certificate issues
- Test and live environment confusion
Solution Approaches:
- Follow step-by-step setup guides
- Contact the payment provider’s technical support
- Verify the system with test payments
- Regularly check error logs
3. Problems on Mobile Devices
Typical Problems:
- Slowly loading payment pages
- Viewing difficulties on small screens
- Difficulty filling out forms
- Interrupted payments
Solutions:
- Mobile-first design approach
- Auto-fill feature
- Simplified interface
- Optimization for fast loading pages
The Right Payment Infrastructure in Shopify is the Key to Success
In e-commerce, payment systems are not just a step where the sale is completed. It is also a strategic element that affects customer loyalty, conversion rates, and brand reliability.
When making the right choice among Shopify payment infrastructures, you should center user experience as much as technical competence.