Businesses
Institutions

Your Checkout, Your Banks one platform under your brand

Hosted checkout and payment routing across the banks and PSPs you already use. Each payment goes where it costs least and moves to another bank when one is down.

Read the Docs
  • 300+ Connectors
  • 99.96% Uptime SLA
  • SaaS or Self-Hosted
Example

1Your checkout, your brand

Your Logo

$245.00

Visa •••• 4242

3 installments

Pay

2Tapsilat picks the route

Tapsilat

Lowest fee for this card: Bank A. If it fails, retry on Bank B.

3Your banks and PSPs

  • Bank A1.19% · timeout
  • Bank B1.29% · approved
  • Bank C1.65%
  • PSP2.10%

Approved by Bank B after one retry. The shopper never saw an error.

The money goes from your bank or PSP straight to you. Tapsilat only routes it.

Industries

Pick Your Sector to see how it works there

Each industry collects and reconciles money differently. Pick yours to see the flows, modules and integrations that apply.

E-Money Institutions (EMI)

E-Money Institutions (EMI)

Wallet, double-entry ledger and e-money issuance software for licensed institutions.

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Payment Institutions

Payment Institutions

Gateway, transaction processing and merchant acquiring software for licensed payment institutions.

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Invoice & Billing Institutions

Invoice & Billing Institutions

High-volume billing runs, e-invoice generation and recurring collections.

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Money Transfer & Remittance

Money Transfer & Remittance

Software for domestic and cross-border P2P transfers, connected to your clearing and FX partners.

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Financing Companies

Financing Companies

Loan allocation, credit scoring and recurring repayment collection for lenders.

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Leasing Companies

Leasing Companies

Multi-currency lease contracts, scheduled cash flows and asset transfer tracking.

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Factoring Companies

Factoring Companies

Debtor risk analysis, e-invoice matching and faster funding decisions.

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Savings Finance

Savings Finance

Software for Law No. 6361 interest-free savings rules, draw queues and member savings tracking.

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Asset Management (NPL)

Asset Management (NPL)

Debt recovery across channels, partial settlement workflows and UYAP enforcement integration.

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E-Commerce & Retail

E-Commerce & Retail

One-click checkout, online and in-store POS, and 300+ payment connectors.

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SaaS & Software

SaaS & Software

Recurring billing, usage metering and dunning for failed renewals.

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Marketplaces

Marketplaces

Split-payment routing, reconciliation per seller and one API across your providers.

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Education & EdTech

Education & EdTech

Tuition billing, instalment plans and payments from students abroad, with several payers per account.

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Subscriptions

Subscriptions

Trials, upgrades, renewals and ML-driven retries for failed payments.

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Healthcare & Wellness

Healthcare & Wellness

Patient billing, insurance co-pay splits and payment flows that respect HIPAA.

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Travel & Hospitality

Travel & Hospitality

Multi-leg bookings, pre-authorization and capture, and payments in the guest's currency.

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Consulting & Services

Consulting & Services

Invoicing, retainers and milestone payments for service businesses.

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Products

Use One Module or the whole stack

Checkout, routing, risk scoring, card issuing, terminals, lending and ops agents. Each module works on its own and runs under your brand.

Pillar 01

Online and In-Store Acceptance

Checkout, payment routing and in-store POS payments.

01Convert

Checkout

Popular

Hosted payment pages or embeddable UI components, so card data never touches your servers. 1-click repeat payments with stored tokens, local payment methods, and installment options shown per card BIN.

checkout element
1-click ready
payinstant
gpay tokenized
•••• 42423x installments · 0% fee
bin: 450634 (visa platinum)frictionless 3DS 2.2
  • ✓ Hosted checkout page and embeddable UI SDKs
  • ✓ Installment table per card and local payment methods
  • ✓ 1-click repeat payments with tokenized cards
  • ✓ Multi-currency checkout with 3DS 2.2 frictionless flow
Fewer steps to pay.
Learn More
02In Person

Terminal

New

POS software and cloud terminal management for Android smart POS, Linux checkout counters and unattended kiosks. In-store and online payments reconcile in one place.

android pos · nfc active tms online
tap-to-pay approval
offline store reconciliation
✓ approved
  • ✓ Android smart POS and Linux retail terminals
  • ✓ Unattended kiosks, vending machines and transit validators
  • ✓ Online and in-store sales reconciled together
In-store payments on the same stack.
Learn More
03Route

Gateway

Routes each transaction across 300+ processors and local bank virtual POS. BIN rules send each card to the cheapest acquirer, and a declined or timed-out payment is retried on the next one.

  • ✓ Smart routing by BIN, card type and fee tier
  • ✓ Failover across PSPs with cascading retries
  • ✓ PSP-independent card vault and tokens
  • ✓ Live view of interchange and fees per PSP
+3% to +12% higher approval rates.
Learn More
routing rail300+ processors
ininbound transaction
bin routing engine
primary: acquirer pos 01
lowest interchange · 99.4% auth rate
active (18ms)
failover standby: acquirer 02
auto-retry in 120ms
Pillar 02

Embedded Finance

Card issuing, loan origination and BNPL.

04Issue

Card

New

Card issuing software for debit, credit, prepaid, transit and commercial cards. Issue virtual cards on demand, push them to Apple Pay and Google Pay, set spend controls, and see each authorization in your ledger as it happens.

tapsilat commercialvirtual & physical
•••• 8492
spend control: $10,000 / dayapple & google pay
  • ✓ Debit, credit and prepaid cards
  • ✓ Closed- and open-loop transit cards
  • ✓ Apple Pay and Google Pay tokenization
  • ✓ Spend controls and authorization webhooks
Virtual and physical cards.
Learn More
05Finance

Financing

New

Lending software for consumer and merchant installment loans and BNPL. It scores applicants, triggers disbursement through your bank or lending partner, and runs scheduled direct debit repayments.

credit originationkkb score 1800+
bnpl 4-installment split$450.00 / mo
escrow disbursement via partner bankdirect debit scheduled
  • ✓ Consumer, merchant and point-of-sale BNPL
  • ✓ Credit bureau (KKB) checks and risk scoring
  • ✓ KYC, e-contracts and escrow disbursement through your provider
  • ✓ Direct debit schedules and an installment repayment ledger
Loan origination and BNPL.
Learn More
Pillar 03

Risk and Operations

Risk decisions in under 50ms and AI agents for payment ops.

06Protect

Scoring

Real-Time

Credit scoring, fraud checks and affordability checks in one API call. It weighs transaction velocity, device fingerprint and your own risk rules, and answers in milliseconds inside the checkout flow.

real-time risk enginesla: <32ms
risk score index98.4 / 100 (safe)
pars visual rules: device trust verified
  • ✓ Fraud scoring API with a <50ms response SLA
  • ✓ Visual rule engine (PARS) for your own fraud rules
  • ✓ BNPL eligibility and affordability checks
Risk decisions in <50ms.
Learn More
07Automate

Agents

AI Ops

AI agents for the payment ops work that lives in spreadsheets today. They match bank settlement files to your ledger, catch fee changes, flag unusual chargebacks and answer questions about your transactions in plain language.

tapsilat ai ops agent ledger stream
> reconcile settlement statements for bank pos #12
✓ matched 14,820 transactions ($1.42m). 0 discrepancies detected. fee drift: 0 bps.
  • ✓ Bank statement to ledger reconciliation
  • ✓ Alerts when fees or interchange drift
  • ✓ Dispute assistant that stays within your policy
  • ✓ Ask about payments and transactions in plain language
AI does the ops work, people approve it.
Learn More
Why Tapsilat

Integration, Speed, security and compliance

Self-host it or use our cloud. You get the same code, SLA and security controls either way.

APIs and SDKs

REST and gRPC endpoints, typed SDKs in 6 languages, replayable webhooks and a sandbox you can open right away. Teams ship up to 70% sooner.

Performance

Sub-35ms transaction latency and 2000+ TPS sustained in benchmarks, with multi-region failover. Campaign peaks and month-end billing runs don't drop baskets.

Security

PCI DSS Level 1 certified environment, a card vault we can't read, encryption keys isolated in hardware security modules (HSM), and role-based access control (RBAC).

Compliance

Preconfigured compliance modules and immutable audit logs, built to support your obligations under TCMB Law No. 6493, Law No. 6361, EU PSD2/PSD3, the e-money directives, KVKK and GDPR.

All Systems Operational

The same in our cloud or yours

Self-hosted or SaaS, the security controls don't change. PCI DSS, GDPR, SOC2-ready.

99.96%

Uptime

Backed by SLA

300+

Connectors

PSP, APM, tax

2000+

TPS

Peak tested

Open

Architecture

Self-host ready

For Developers

A Working Checkout in an afternoon

Typed SDKs, a documented REST API and a sandbox. Run it on our cloud or deploy it yourself.

// npm install @tapsilat/tapsilat-js
import { TapsilatSDK } from "@tapsilat/tapsilat-js";

const tapsilat = new TapsilatSDK({
  bearerToken: process.env.TAPSILAT_BEARER_TOKEN!,
  baseURL: "https://panel.tapsilat.dev/api/v1",
});

const order = await tapsilat.createOrder({
  amount: 150.75,
  currency: "TRY",
  locale: "tr",
  buyer: {
    name: "John", surname: "Doe",
    email: "[email protected]",
  },
});

console.log("Checkout:", order.checkout_url);
order.ts@tapsilat/tapsilat-js →

SDKs & Libraries

Official SDKs for 10+ languages

1

Install the SDK

One command adds Tapsilat to a JavaScript, Python, Go or Ruby project.

2

Configure checkout

Set the amount, currency and payment methods. Hosted fields keep card data off your servers.

3

Go live

Mount the checkout component and switch your keys to live.

Available SDKs

TypeScript Python Go Java PHP Ruby Rust React Laravel Flutter React Native WooCommerce TypeScript Python Go Java PHP Ruby Rust React Laravel Flutter React Native WooCommerce
Managed

Managed SaaS

Use Tapsilat as SaaS. Our SRE team runs it under an enterprise SLA, with compliance tooling included.

  • Uptime under SLA and 24/7 support
  • PCI and GDPR controls in place from day one
  • No servers for you to run
Your Infrastructure

Self-hosted

Deploy the full stack into your own VPC. Data stays in your region, you control each service, and you upgrade when you decide to.

  • Your own infrastructure and keys
  • Metrics, logs and traces you can export
  • Air-gapped deployments supported
In Production

What Customers Say after going live

Fintechs, marketplaces and online retailers use Tapsilat to route payments and cut manual ops work.

"We put Garanti, Akbank and iyzico behind Tapsilat routing, and our false declines fell by 8.4% in the first month. The fallback during bank outages paid for the project on its own."
FM
Fashion Marketplace
Head of Digital Payments · GMV > $40M
"For BDDK and KVKK we had to run it in our own private VPC. Our engineers hold the card encryption keys, and no data passes through a third party."
BS
B2B SaaS & Billing Platform
VP of Engineering · 100K+ Monthly Active Users
"Reconciliation took our accountants two full days a week. Now Tapsilat matches 99.4% of settlements across our acquirers, and the spreadsheets are gone."
DM
Digital Media Group
Finance Operations Lead · Multi-Currency Recurring Billing
FAQ

Common Questions

What teams usually ask before they integrate.

Four core modules: checkout as a service (hosted and embeddable payment pages), gateway (payment routing across 300+ connectors), scoring (real-time credit and risk checks) and agents (AI for payment operations). You can use any one of them on its own or combine all four.

SLA-backed uptime · HSM-backed keys · self-hosted or managed

See Tapsilat Running on your own routing rules

A payments engineer walks you through the sandbox, sketches your routing setup and estimates what you'd save on fees.

Read the Docs
PCI DSS Level 1
GDPR Compliant
SOC 2 Ready
99.96% Uptime SLA