{"id":1365,"date":"2025-05-07T10:40:04","date_gmt":"2025-05-07T10:40:04","guid":{"rendered":"https:\/\/birkanulusoy.com.tr\/?p=1365"},"modified":"2026-09-24T19:13:46","modified_gmt":"2026-09-24T19:13:46","slug":"paytr-mi-iyzico-mu","status":"publish","type":"post","link":"https:\/\/birkanulusoy.com\/tr\/paytr-mi-iyzico-mu\/","title":{"rendered":"PayTR mi iyzico mu? Komisyon, Val\u00f6r ve Entegrasyon"},"content":{"rendered":"<div class=\"bu-top-guide\" id=\"bu-top-guide\">\n<p class=\"bu-reviewed\">Bilgi kontrol\u00fc ve i\u00e7erik g\u00fcncellemesi: 24 Eyl\u00fcl 2026. De\u011fi\u015febilen ko\u015fullar i\u00e7in ba\u011flant\u0131l\u0131 resm\u00ee kaynaklar\u0131 ve size verilen g\u00fcncel teklifi esas al\u0131n.<\/p>\n<p><strong>PayTR mi iyzico mu sorusunun cevab\u0131 yaln\u0131zca en d\u00fc\u015f\u00fck komisyon de\u011fildir.<\/strong> Ayn\u0131 kart tipi, ayn\u0131 tahsilat vadesi ve ayn\u0131 sat\u0131\u015f hacmi i\u00e7in teklif almad\u0131\u011f\u0131n\u0131zda iki oran ger\u00e7ekte kar\u015f\u0131la\u015ft\u0131r\u0131labilir olmayabilir. Benim yakla\u015f\u0131m\u0131m; \u00f6deme maliyetini, m\u00fc\u015fterinin \u00f6deme deneyimini ve operasyonun g\u00fcnl\u00fck i\u015f y\u00fck\u00fcn\u00fc birlikte de\u011ferlendirmek.<\/p>\n<p>Bu rehber ba\u011f\u0131ms\u0131z bir de\u011ferlendirme \u00e7er\u00e7evesidir. \u0130ki sa\u011flay\u0131c\u0131y\u0131 ayn\u0131 ma\u011fazada kontroll\u00fc test etmi\u015f gibi ba\u015far\u0131 y\u00fczdesi veya puan vermiyorum. Resm\u00ee \u00fcr\u00fcn bilgileriyle kendi ma\u011fazan\u0131zda yapman\u0131z gereken testleri ayr\u0131 tutuyorum.<\/p>\n<nav aria-label=\"Yaz\u0131 i\u00e7indekiler\">\n<details>\n<summary>\u0130\u00e7indekiler<\/summary>\n<ol>\n<li><a href=\"#rehber-1\">PayTR ve iyzico kar\u015f\u0131la\u015ft\u0131rmas\u0131: K\u0131sa cevap<\/a><\/li>\n<li><a href=\"#rehber-2\">G\u00fcncel komisyon oranlar\u0131 nas\u0131l okunmal\u0131?<\/a><\/li>\n<li><a href=\"#rehber-3\">Komisyonun \u00f6tesinde toplam maliyet<\/a><\/li>\n<li><a href=\"#rehber-4\">Entegrasyonda yap\u0131lacak 10 test<\/a><\/li>\n<li><a href=\"#rehber-5\">Hangi i\u015fletme nas\u0131l karar vermeli?<\/a><\/li>\n<li><a href=\"#rehber-6\">Teklif isterken g\u00f6nderebilece\u011finiz k\u0131sa metin<\/a><\/li>\n<li><a href=\"#rehber-7\">S\u0131k sorulan sorular<\/a><\/li>\n<\/ol>\n<\/details>\n<\/nav>\n<h2 id=\"rehber-1\">PayTR ve iyzico kar\u015f\u0131la\u015ft\u0131rmas\u0131: K\u0131sa cevap<\/h2>\n<div class=\"bu-table-scroll\" role=\"region\" tabindex=\"0\" aria-label=\"Karar\u0131 de\u011fi\u015ftiren ba\u015fl\u0131klar\">\n<table>\n<caption>Karar\u0131 de\u011fi\u015ftiren ba\u015fl\u0131klar<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Kriter<\/th>\n<th scope=\"col\">PayTR i\u00e7in kontrol<\/th>\n<th scope=\"col\">iyzico i\u00e7in kontrol<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Komisyon<\/td>\n<td>Size \u00f6zel teklif; ilan edilen ba\u015flang\u0131\u00e7 oran\u0131n\u0131n ko\u015fullar\u0131<\/td>\n<td>\u0130lan edilen tarife ile i\u015fletmenize verilen teklifin kapsam\u0131<\/td>\n<\/tr>\n<tr>\n<td>Val\u00f6r<\/td>\n<td>\u00d6deme g\u00fcn\u00fc, tatiller ve varsa bloke<\/td>\n<td>\u00d6deme g\u00fcn\u00fc, tatiller ve varsa bloke<\/td>\n<\/tr>\n<tr>\n<td>Altyap\u0131<\/td>\n<td>Kulland\u0131\u011f\u0131n\u0131z platform ve eklenti s\u00fcr\u00fcm\u00fc<\/td>\n<td>Kulland\u0131\u011f\u0131n\u0131z platform ve eklenti s\u00fcr\u00fcm\u00fc<\/td>\n<\/tr>\n<tr>\n<td>\u0130ade<\/td>\n<td>K\u0131smi iade, \u00fccret iadesi ve mutabakat<\/td>\n<td>K\u0131smi iade, \u00fccret iadesi ve mutabakat<\/td>\n<\/tr>\n<tr>\n<td>\u0130\u015f modeli<\/td>\n<td>Sanal POS, link, pazaryeri veya abonelik ihtiyac\u0131n\u0131n uygunlu\u011fu<\/td>\n<td>\u0130lgili \u00fcr\u00fcn\u00fcn ayn\u0131 i\u015f modeline uygunlu\u011fu<\/td>\n<\/tr>\n<tr>\n<td>Destek<\/td>\n<td>Teknik destek kanal\u0131 ve \u00e7\u00f6z\u00fcm s\u00fcreci<\/td>\n<td>Teknik destek kanal\u0131 ve \u00e7\u00f6z\u00fcm s\u00fcreci<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"rehber-2\">G\u00fcncel komisyon oranlar\u0131 nas\u0131l okunmal\u0131?<\/h2>\n<p>24 Eyl\u00fcl 2026 kontrol\u00fcnde <a href=\"https:\/\/www.paytr.com\/paytr-sanal-pos\" target=\"_blank\" rel=\"noopener\">PayTR Sanal POS sayfas\u0131<\/a>, 7 g\u00fcn val\u00f6rle %2,19\u2019dan ba\u015flayan oran duyuruyor; i\u015fletmenin sekt\u00f6r\u00fc, hacmi, sepeti, kart ve taksit tercihleriyle \u00f6zel teklif belirlendi\u011fini a\u00e7\u0131kl\u0131yor. Bu rakam herkes i\u00e7in onaylanm\u0131\u015f tarife de\u011fildir.<\/p>\n<p><a href=\"https:\/\/www.iyzico.com\/isim-icin\/sanal-pos\" target=\"_blank\" rel=\"noopener\">iyzico Sanal POS sayfas\u0131nda<\/a> ise ba\u015far\u0131l\u0131 i\u015flem ba\u015f\u0131na %4,29 + 0,25 TL ve ayl\u0131k 20.000 TL \u00fczeri sat\u0131\u015f ko\u015fulu yer al\u0131yor; sayfa ertesi g\u00fcn \u00f6deme imkan\u0131ndan s\u00f6z ediyor. Ba\u015fvuru s\u0131ras\u0131nda size verilen teklifin val\u00f6r, vergi ve di\u011fer ko\u015fullar\u0131n\u0131 ayr\u0131ca do\u011frulay\u0131n.<\/p>\n<p><strong>Bu iki rakam\u0131 yan yana koyup \u201ckesinlikle \u015fu ucuz\u201d diyemeyiz:<\/strong> A\u00e7\u0131klanan vade ve uygunluk ko\u015fullar\u0131 ayn\u0131 de\u011fil. Ba\u015flang\u0131\u00e7 oran\u0131, kampanya, \u00f6zel teklif ve s\u00f6zle\u015fme oran\u0131n\u0131 birbirinden ay\u0131r\u0131n. G\u00fcncel \u015fartlar de\u011fi\u015febilir; sat\u0131n alma karar\u0131 i\u00e7in yaz\u0131l\u0131 teklif kullan\u0131n.<\/p>\n<h2 id=\"rehber-3\">Komisyonun \u00f6tesinde toplam maliyet<\/h2>\n<p>Bir teklif dosyas\u0131nda \u015fu alanlar ayr\u0131 olmal\u0131: tek \u00e7ekim oran\u0131, sabit i\u015flem bedeli, yabanc\u0131 kart, taksit, vergi uygulamas\u0131, iade kesintisi, harcama itiraz\u0131 ve \u00f6deme vadesi. Kulland\u0131\u011f\u0131n\u0131z e-ticaret altyap\u0131s\u0131n\u0131n ayr\u0131ca i\u015flem veya uygulama \u00fccreti al\u0131p almad\u0131\u011f\u0131n\u0131 da ekleyin.<\/p>\n<p><strong>Varsay\u0131msal \u00f6rnek, ger\u00e7ek sa\u011flay\u0131c\u0131 tarifesi de\u011fildir:<\/strong> Ayda 300.000 TL tutar\u0131nda 300 ba\u015far\u0131l\u0131 i\u015flem i\u00e7in A teklifi %3, B teklifi %2,8 + i\u015flem ba\u015f\u0131na 2 TL olsun. A\u2019n\u0131n i\u015flem maliyeti 9.000 TL, B\u2019ninki 8.400 + 600 = 9.000 TL olur. Daha d\u00fc\u015f\u00fck y\u00fczde bu \u00f6rnekte toplam maliyeti d\u00fc\u015f\u00fcrmez. Vergi, iadeler ve vade etkisi ayr\u0131ca de\u011ferlendirilir.<\/p>\n<p>Ortalama sepetiniz d\u00fc\u015ft\u00fc\u011f\u00fcnde sabit i\u015flem bedelinin etkisi artar. Tedarik\u00e7iye pe\u015fin \u00f6deme yapan bir i\u015fletmede daha uzun val\u00f6r de i\u015fletme sermayesi ihtiyac\u0131n\u0131 art\u0131rabilir. Bu nedenle muhasebenizle yaln\u0131zca maliyeti de\u011fil, para giri\u015f ve \u00e7\u0131k\u0131\u015f takvimini kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n<h2 id=\"rehber-4\">Entegrasyonda yap\u0131lacak 10 test<\/h2>\n<ol>\n<li>Masa\u00fcst\u00fc ve telefonda ba\u015far\u0131l\u0131 \u00f6deme.<\/li>\n<li>3D Secure d\u00f6n\u00fc\u015f\u00fc ve sipari\u015fin do\u011fru durumda olu\u015fmas\u0131.<\/li>\n<li>Ba\u015far\u0131s\u0131z i\u015flemden sonra m\u00fc\u015fteriye anla\u015f\u0131l\u0131r hata g\u00f6sterilmesi.<\/li>\n<li>\u00d6deme sayfas\u0131ndan geri d\u00f6n\u00fcp yeniden deneme.<\/li>\n<li>\u00c7ift t\u0131klama veya tekrar bildirimde m\u00fckerrer sipari\u015f olu\u015fmamas\u0131.<\/li>\n<li>\u00d6deme ba\u015far\u0131l\u0131yken ba\u011flant\u0131 kesilmesi ve sunucu bildiriminin i\u015flenmesi.<\/li>\n<li>Tam ve k\u0131smi iadenin sipari\u015fe do\u011fru yans\u0131mas\u0131.<\/li>\n<li>Taksit ve kart se\u00e7eneklerinin ger\u00e7ekten uygun sipari\u015fte g\u00f6r\u00fcnmesi.<\/li>\n<li>\u0130\u015flem raporuyla banka tahsilat\u0131n\u0131n e\u015fle\u015ftirilmesi.<\/li>\n<li>Yetkili ekip d\u0131\u015f\u0131nda kimsenin gizli anahtarlara eri\u015fememesi.<\/li>\n<\/ol>\n<p>Bu liste sa\u011flay\u0131c\u0131lar\u0131n testten ge\u00e7ti\u011fi iddias\u0131 de\u011fildir; kendi kurulumunuzda yapman\u0131z gereken kabul testidir. \u00d6nce test ortam\u0131n\u0131, sonra sa\u011flay\u0131c\u0131n\u0131n kurallar\u0131na uygun kontroll\u00fc canl\u0131 i\u015flemi kullan\u0131n. Kart verisini kendi g\u00fcnl\u00fcklerinize kaydetmeyin.<\/p>\n<h2 id=\"rehber-5\">Hangi i\u015fletme nas\u0131l karar vermeli?<\/h2>\n<h3>D\u00fc\u015f\u00fck sepetli ve \u00e7ok i\u015flemli ma\u011faza<\/h3>\n<p>Y\u00fczde ile sabit bedeli birlikte hesaplay\u0131n. \u0130adelerin ve ba\u015far\u0131s\u0131z i\u015flemlerin raporlanmas\u0131na bak\u0131n. K\u00fc\u00e7\u00fck farklar y\u00fcksek i\u015flem adedinde \u00f6nem kazan\u0131r.<\/p>\n<h3>Y\u00fcksek sepetli \u00fcr\u00fcn satan ma\u011faza<\/h3>\n<p>Taksit uygunlu\u011fu, \u00f6deme reddi, harcama itiraz\u0131 ve tahsilat vadesi daha belirleyici olabilir. Sadece ayl\u0131k ciro de\u011fil, risk ve nakit ak\u0131\u015f\u0131 da teklifin par\u00e7as\u0131d\u0131r.<\/p>\n<h3>Shopify, ikas veya WooCommerce kullanan ma\u011faza<\/h3>\n<p>\u0130smen entegrasyon bulunmas\u0131 yeterli de\u011fil. G\u00fcncel s\u00fcr\u00fcm\u00fc, geli\u015ftiricisini, bak\u0131m sorumlulu\u011funu ve gerekli ak\u0131\u015flar\u0131 do\u011frulay\u0131n. Platform se\u00e7imini ayr\u0131ca <a href=\"https:\/\/birkanulusoy.com\/tr\/e-ticaret-altyapilari\/\">e-ticaret altyap\u0131lar\u0131 rehberinde<\/a> ele al\u0131yorum.<\/p>\n<h2 id=\"rehber-6\">Teklif isterken g\u00f6nderebilece\u011finiz k\u0131sa metin<\/h2>\n<blockquote>\n<p>Ayl\u0131k tahmini ciromuz [&#8230;], i\u015flem adedimiz [&#8230;], ortalama sepetimiz [&#8230;] TL. Altyap\u0131m\u0131z [&#8230;]. Tek \u00e7ekim, taksit ve yabanc\u0131 kart ko\u015fullar\u0131n\u0131; sabit \u00fccretleri, vergileri, tahsilat vadesini, iade ve harcama itiraz\u0131 kesintilerini ayr\u0131 belirtir misiniz? Kampanya sonras\u0131 tarife ve entegrasyon bak\u0131m sorumlulu\u011funu da payla\u015fman\u0131z\u0131 rica ederiz.<\/p>\n<\/blockquote>\n<h2 id=\"rehber-7\">S\u0131k sorulan sorular<\/h2>\n<h3>PayTR m\u0131 iyzico mu daha ucuz?<\/h3>\n<p>Ayn\u0131 sat\u0131\u015f da\u011f\u0131l\u0131m\u0131 ve ayn\u0131 vade i\u00e7in al\u0131nan tekliflerle hesaplanmal\u0131. Yaln\u0131zca ilan edilen y\u00fczdeyi kar\u015f\u0131la\u015ft\u0131rmak yeterli de\u011fil.<\/p>\n<h3>Hangisi daha g\u00fcvenli?<\/h3>\n<p>Kontroll\u00fc bir inceleme olmadan g\u00fcvenlik s\u0131ralamas\u0131 vermiyorum. Kurulu\u015fun g\u00fcncel yetkisini, s\u00f6zle\u015fmesini ve kendi entegrasyonunuzun g\u00fcvenli\u011fini ayr\u0131 kontrol edin.<\/p>\n<h3>Ba\u015fvuru ne kadar s\u00fcrer?<\/h3>\n<p>Pazarlama sayfas\u0131ndaki h\u0131zl\u0131 kurulum vaadi, her ba\u015fvurunun ayn\u0131 s\u00fcrede kabul edilece\u011fi anlam\u0131na gelmez. Belgeler ve faaliyet de\u011ferlendirmesi sonucu etkiler.<\/p>\n<h3>Shopier ile ayn\u0131 hizmet mi?<\/h3>\n<p>\u00dcr\u00fcn kapsamlar\u0131 farkl\u0131d\u0131r. Yaln\u0131zca hizmet kesintisini anlamak i\u00e7in <a href=\"https:\/\/birkanulusoy.com\/tr\/shopier-komisyon-oranlari-hesaplama\/\">Shopier komisyon hesaplama rehberini<\/a> kullanabilir; kendi site, \u00f6deme ve ma\u011faza ihtiya\u00e7lar\u0131n\u0131z\u0131 ayr\u0131 tan\u0131mlayabilirsiniz.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>PayTR ve iyzico\u2019yu komisyon, \u00f6deme vadesi, iade, entegrasyon ve toplam maliyetle kar\u015f\u0131la\u015ft\u0131r\u0131n. Teklif sorular\u0131 ve \u00f6rnek hesaplama.<\/p>\n","protected":false},"author":1,"featured_media":1366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[68],"tags":[],"class_list":["post-1365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-ticaret-karsilastirmalari"],"_links":{"self":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts\/1365","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/comments?post=1365"}],"version-history":[{"count":3,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts\/1365\/revisions"}],"predecessor-version":[{"id":3026,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts\/1365\/revisions\/3026"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/media\/1366"}],"wp:attachment":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/media?parent=1365"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/categories?post=1365"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/tags?post=1365"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}