B2B card payment lets your dealer pay an order or an account debt by card in the portal, with 3D Secure verification. The payment completes on your payment provider's secure page, the collection voucher is created automatically and the dealer's account is closed. Card payment is not tied to a package; it is available on all B2B packages, Basic included.
Supported providers
- iyzico
- Garanti BBVA virtual POS
- Banks on the Payten/NestPay infrastructure (for example Akbank, İş Bankası, Halkbank, Ziraat Bankası, TEB)
Confirm with your bank which infrastructure it uses and the status of your virtual POS agreement. The money goes to your own merchant account.
Who is it for?
For sellers who want to approve orders and collect faster without waiting for a bank transfer. The dealer pays by card. The finance team follows collections and refunds on Platform Web. An IT or finance manager sets up the payment provider.
How it works
- Order payment: At cart completion the dealer chooses card as the payment method. Payment starts once the order is approved.
- Account debt payment: The dealer pays all or part of the debt on their account by card.
- 3D Secure: The payment completes with 3D Secure on a page hosted by the payment provider or bank. The charge is a single payment.
- Result: On success the dealer and the seller team get a notification, and the dealer returns to the payment page. The amount is calculated on the server; a payment that differs from the order amount is placed in "manual review" automatically, with no automatic refund.
- Collection: If automatic collection is on in the payment system setup and a bank is defined, the collection voucher and account entry are created automatically and the dealer's debt is closed.
- Refund: The seller sends the refund to the provider from Platform Web; the collection voucher is corrected with a reversing entry and the dealer gets a refund notification.
Bank transfer with receipt upload keeps working; the dealer chooses the payment method.
Security
- Card data never enters EQLEM. Card details are entered only on the provider's or bank's hosted page.
- The response returned from the bank and provider is verified with a signature (hash); a single-use return token prevents the same payment being processed twice.
- A user with the price-hiding permission cannot use the payment screens.
- Provider usernames and passwords are entered in the payment system settings on Platform Web.
What you need to set up
A virtual POS or merchant agreement with your provider, the credentials the provider gives you, and a test payment in the provider's test environment before going live. You configure it on Platform Web in the B2B payment settings.
Benefits
Collections arrive without waiting for a transfer. Collection vouchers are not keyed in by hand, so the finance team's reconciliation load drops. The dealer sees the payment in the same portal as the order, shipment and invoice.
FAQ
How is the card charged? Card payment is a single charge.
Which banks are supported? iyzico, Garanti BBVA and banks on the Payten/NestPay infrastructure.
Do I need a package for card payment? No. It is available on all B2B packages. Comparison: B2B Packages.
Is the card data stored with you? No. Card details are entered on the provider's or bank's page.
Does it work on mobile too? Yes; the web portal and the mobile app use the same payment flow.
Next step
First confirm the virtual POS agreement and test environment access with your provider. Then define the payment system on Platform Web and make a test payment with one dealer. For pricing and setup, contact us. For the full order and payment flow, see B2B Management.