Craftgate vs PayTR

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.

PayTR is a Turkish payment services provider based in Istanbul and licensed as a payment and electronic money institution, helping online businesses in Turkey accept card payments. It is often compared with iyzico by merchants opening a first online store.

The core product is a virtual POS that accepts domestic and international cards with installment options across Turkish bank card programs, 3D Secure flows and fraud screening. Around it PayTR offers payment links (Link ile Ödeme) for businesses without a website; marketplace payment and payout features that split funds between sellers; recurring and subscription payments with stored cards; and transfer or EFT notification tools. Ready-made plugins connect it to WooCommerce, OpenCart, PrestaShop and Turkish e-commerce infrastructures such as İdeasoft, T-Soft and Ticimax, and an API with iFrame and direct integration options serves developers. There is no subscription fee; merchants pay a commission per transaction, with rates depending on settlement timing, installments and volume.

PayTR suits Turkish e-commerce stores, service businesses and marketplaces that need fast onboarding, local support and TL settlement. It is not an option for businesses without a Turkish legal entity or for global multi-currency selling, where Stripe or Adyen are the reference. Against iyzico, which has a consumer wallet and larger ecosystem, and Param or Sipay as other local options, the deciding factor is usually the commission quote and settlement terms you negotiate.