MSU Sanal POS
A hosted sanal POS gateway for Turkish card payments. Your buyer pays on MSU's own secure page, and TinyVendor verifies the signed result before an order is ever marked paid.
About MSU
MSU, short for Merchant Safe Unipay, is a hosted payment gateway used by merchants across Turkey to take card payments without holding card data on their own servers — the sanal POS (virtual POS) model that Turkish online sellers already expect. It's built and operated by Payten, a payment technology company with a long history in Turkish online payments, now part of Asseco South Eastern Europe (ASEE), a group listed on the Warsaw Stock Exchange.
Headquarters
Istanbul, Turkey
Parent group
Asseco South Eastern Europe (ASEE), Warsaw Stock Exchange listed
History
Payten traces back to some of Turkey's earliest online payment infrastructure; the Payten brand itself launched in 2019
Scale
Payten describes its gateway network as connecting dozens of Turkish banks and tens of thousands of merchants
For a seller who wants a processor with deep, established bank connections in Turkey rather than a newer fintech brand, MSU's long track record and wide bank coverage are the draw.
How to apply for an MSU sanal POS
1. Find your route in
MSU accounts are typically opened either directly with Payten or through a Turkish bank that offers MSU as its virtual POS platform — check with your business bank first, since many route sanal POS applications through their commercial or corporate banking team.
2. Prepare your company documents
Expect to provide the usual paperwork for a Turkish merchant account: your trade registry record, tax registration certificate, signature circular, and IBAN details for settlement.
3. Show your sales channel meets baseline requirements
The bank or provider will want to see what you're selling and confirm your site or sales channel has clear pricing, contact details, and an SSL certificate on anything payment-related.
4. Sign the merchant agreement
Settlement terms are agreed directly between you and the bank or provider at this stage — TinyVendor isn't a party to that agreement.
5. Receive your merchant credentials
You'll be issued merchant credentials and a hash/merchant key used to verify each transaction — these are what you'll hand to TinyVendor.
6. Test before going live
Most providers offer a sandbox environment to test the full payment flow before switching your credentials over to production.
Selling with MSU on TinyVendor
Once you have your MSU merchant credentials, there's nothing to build on your end — no hosted checkout page, no card form, no PCI scope. MSU's own page collects the card, and TinyVendor does the rest.
1. Add MSU as a gateway
In your TinyVendor dashboard, add MSU and enter your merchant credentials along with your hash/merchant key.
2. Create a sell link
Set your price and description, choose MSU as the payment method, and TinyVendor gives you a link — no code, no separate storefront, all from your phone if you like.
3. Share it
Send it in a message, post it, or attach it to an invoice — however you'd normally reach a buyer.
4. Buyer pays on MSU's hosted page
Your buyer is redirected to MSU to enter their card details and complete any bank verification, then sent back to your TinyVendor sell link.
5. TinyVendor verifies the result
MSU signs its callback with your hash/merchant key. TinyVendor checks that signature before marking the order paid, so a redirect on its own can't be faked into a sale.
6. See the order in your dashboard
Once verified, the order shows up in TinyVendor right away — nothing to reconcile by hand.
Selling to buyers outside Turkey as well? You can add Stripe or PayPal, or compare MSU against iyzico and VPOS for other Turkey-focused options.
Questions
Who operates MSU and where is it based?
MSU (Merchant Safe Unipay) is a hosted payment gateway platform run by Payten, a payment technology provider based in Istanbul, Turkey, and part of Asseco South Eastern Europe (ASEE), a group listed on the Warsaw Stock Exchange.
How do I get an MSU merchant account?
Merchant accounts are typically opened through Payten directly, or through a Turkish bank that offers MSU as its sanal POS platform. You'll generally need standard company paperwork — a trade registry record, tax registration certificate, signature circular, and IBAN details — before you receive merchant credentials.
Do I need to write code to accept MSU payments on TinyVendor?
No. You enter your merchant credentials and hash/merchant key into TinyVendor once. TinyVendor handles the redirect to MSU's hosted payment page and verifies the signed callback for every sale after that.
Does TinyVendor check that an MSU payment actually succeeded?
Yes. MSU signs its callback with your hash/merchant key, and TinyVendor verifies that signature before marking any order as paid — a manipulated redirect on its own can't fake a successful sale.
Start accepting payments with MSU
Create your TinyVendor account, add your MSU merchant credentials, and share your first sell link in minutes. No credit card required.