Lidio vs Sipay
Lidio and Sipay are both payments & billing tools. Lidio is aimed at E-commerce and enterprise, while Sipay is aimed at small businesses and E-commerce.
Lidio
Turkish payment orchestration: virtual POS, routing, one-click pay
Sipay
Virtual POS, payments and wallet from a licensed Turkish e-money firm
| Pricing | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | No | No |
| Free trial | — | — |
| Built for | E-commerce, Enterprise, Small businesses | Small businesses, E-commerce, Enterprise |
| Platforms | web | web, ios, android |
| Country | TR | TR |
| Rating | 5.0 (1) | — |
Choose Lidio if
Mid-sized and large merchants, marketplaces and multinationals in Türkiye that need multi-bank routing and advanced payment flows.
- Works with your existing bank POS agreements, not only its own
- Routing and retries can raise approval rates on failed transactions
- Broad Turkish payment coverage, including TROY cards and installments
Look elsewhere if: Small shops or freelancers that want instant sign-up with transparent fees and no integration work (iyzico, PayTR, Shopier).
Choose Sipay if
Turkish merchants comparing payment providers.
- Licensed e-money institution
- Installments supported
- Marketplace features
Look elsewhere if: Businesses selling mainly outside Turkey.
Lidio vs Sipay pricing
Lidio
- Lidio Sanal POSCustomCommission per transaction; quote after application
- Orchestration (own POS)CustomRoute via your existing bank and PSP agreements
Sipay
- CustomCustomMerchant commission agreed per merchant
Lidio · Key features
- Single API connecting many Turkish banks and payment institutions
- Smart routing that retries failed payments on another POS in milliseconds
- Lidio virtual POS under one contract, live in about 24 hours
- Card tokenization and Lidio Pass one-click checkout wallet
- AI-assisted fraud screening backed by in-house fraud analysts
- Marketplace module with sub-merchant payouts, KYC and escrow
Cons
- No public pricing; commissions are negotiated case by case
- Focused on Türkiye, not a global payment gateway
- Integration and onboarding are heavier than a simple payment link tool
Sipay · Key features
- Virtual POS and 3D Secure
- Installment payments
- Payment links
- Marketplace and sub-merchant payments
- E-commerce plugins and API
- Digital wallet
Cons
- Turkey-focused
- Commission rates vary by agreement
- Smaller developer community than iyzico
Lidio vs Sipay: FAQ
Do Lidio and Sipay have a free plan?
Lidio has no free plan. Sipay has no free plan.