Craftgate vs PayPal

Craftgate is an Istanbul-based payment orchestration platform for Turkish merchants. Instead of integrating each bank's virtual POS separately, a merchant connects its existing POS agreements and payment providers to Craftgate once and manages them through a single API and dashboard, routing every transaction to the most suitable provider and reducing dependency on any single acquirer.

The platform covers smart routing rules based on card type, bank, installment count or cost, automatic fallback to another POS when a provider fails, installment tables and campaigns, a hosted checkout form and payment links, card storage for repeat payments, fraud rules, and marketplace features for sub-merchant onboarding and split payouts. Reporting brings transactions from every bank into one view, which simplifies reconciliation, and SDKs and plugins help with integration into custom sites and common e-commerce platforms. Pricing is not public and is agreed with each merchant, typically based on transaction volume.

Craftgate suits mid-size and large merchants, marketplaces and subscription businesses that already have several bank POS agreements and want better approval rates, lower costs and resilience. Very small merchants without their own bank agreements are usually better served by an all-in-one payment service provider such as iyzico, PayTR, Param or Sipay, which handle the merchant relationship themselves. Global orchestration tools such as Spreedly or Primer have little coverage of Turkish banks and local installment practices.

PayPal Business is the merchant side of PayPal, the San Jose company founded in 1998 that was spun off from eBay in 2015 and also owns Venmo, Braintree and the Zettle point-of-sale business. A free business account lets companies accept PayPal wallet payments, Venmo in the US, cards and buy now, pay later options online, in apps and in person.

Merchants can add PayPal checkout buttons to an online store, send invoices and payment links, run subscriptions, and accept card payments through PayPal's own processing so they do not need a separate gateway for cards. Seller protection covers eligible transactions against unauthorized payments and item-not-received claims, and multi-currency balances help international sellers. There is no monthly fee for the standard account; pricing is a percentage plus a fixed fee per transaction that varies by country, payment method and cross-border status, with extra charges for currency conversion.

PayPal's recognizable brand raises checkout trust, which is why many stores offer it next to a card processor. Fees are usually higher than Stripe or Adyen, account limitations and fund holds are a known risk for new or fast-growing sellers, and the developer experience trails Stripe. PayPal has not operated in Turkey since 2016, when it withdrew after failing to obtain a local license, so Turkey-based businesses cannot open accounts there; they typically use local providers such as iyzico or PayTR, or a company abroad for international sales.