QNB Türkiye Sanal POS
3D Pay virtual POS from QNB Türkiye, the Istanbul-based bank owned by Qatar National Bank Group. Take card payments from Turkish buyers with 3D Secure checkout and the installment (taksit) plans they expect.
About QNB Türkiye
QNB Türkiye is one of Turkey's larger privately run banks. It was founded in 1987 as Finansbank by Turkish financier Hüsnü Özyeğin, before passing through two changes of ownership and a full rebrand.
Headquarters
Istanbul, Turkey (Şişli district).
Founded
1987, originally as Finansbank.
Ownership
Part of QNB Group, led by Qatar National Bank, which became majority owner in 2016. The Finansbank name was retired when the bank became QNB Türkiye in 2024.
Scale
One of Turkey's larger banks by employee count, with a nationwide branch network and shares trading on Borsa Istanbul under the ticker QNBTR.
For a seller in Turkey, the draw is straightforward: a bank brand your buyers already recognize, domestic card processing built for the Turkish market, and installment options local buyers expect at checkout.
How to apply for a QNB Sanal POS
1. Have a registered Turkish business
Be a company or sole proprietor with an active tax registration, and ideally a working online sales page.
2. Apply for Sanal POS
Through QNB's corporate website, the QNB Mobile app, or at a branch.
3. Submit standard merchant documents
A tax certificate (vergi levhası), trade registry record, and signature circular for a company; ID and tax registration for a sole proprietor; plus an IBAN for settlement.
4. Bank review
QNB reviews the business and its sales page before approving the merchant account.
5. Receive your VPOS credentials
Once approved, QNB issues a merchant ID, terminal ID, POS net (API) user credentials, and a store key used to verify payment callbacks.
6. Whitelist your server's IP
QNB requires the IP address that submits card payments to be added to an allowlist in the merchant panel. Skip this and payments fail even with correct credentials - see the TinyVendor steps below.
Approval generally takes a few business days once the paperwork is in, though timing depends on the branch or team handling the review.
Selling with QNB VPOS on TinyVendor
1. Add QNB VPOS to TinyVendor
In your TinyVendor dashboard, add a payment gateway and choose QNB VPOS. Enter the merchant ID, terminal ID, POS net (API) user credentials, and store key from your QNB merchant panel.
2. Whitelist TinyVendor's server IP
Important: QNB only accepts 3D Pay requests from an allowlisted IP address. Your TinyVendor dashboard shows the fixed server IP to add in QNB's merchant panel - without it, every payment attempt fails with an IP-restriction error.
3. Create a sell link
Set your price, add a short description, and decide whether to offer installment (taksit) plans.
4. Share the link
Post it, message it, or drop it in a bio link. No hosted checkout page to build, no code to write.
5. Buyer pays with 3D Secure
The buyer enters their card on a TinyVendor-hosted page, confirms with 3D Secure, and QNB processes the charge. Card data passes straight to the bank - it never touches your own server, so there's no PCI scope for you to manage.
6. Order lands in your dashboard
The moment QNB confirms the payment, the order - installment plan included, if chosen - appears in your TinyVendor dashboard. Works the same from a phone as from a desktop.
Questions
What does it cost to take QNB VPOS payments through TinyVendor?
QNB sets your card commission in the merchant agreement you sign with the bank. On top of that, TinyVendor charges 2% of a sale on Basic, 1% on Pro and 0.5% on Max, with no monthly fee and nothing owed in a month with no sales.
How do I get a QNB Sanal POS (VPOS) merchant account?
Apply through QNB's corporate website, the QNB Mobile app, or a branch. You'll need standard company documents - a tax certificate, trade registry record, and signature circular for a company, or ID and tax registration if you're a sole proprietor - plus an IBAN for settlement.
Do I need to write code to accept QNB VPOS payments?
No. Enter your merchant credentials once in TinyVendor, create a sell link, and buyers pay directly - no hosted checkout to build and no PCI scope for you.
Why did my QNB VPOS payment fail with an IP-restriction error?
QNB requires the server IP submitting payment requests to be whitelisted in your merchant panel. Add TinyVendor's server IP there - it's shown in your TinyVendor dashboard - and retry.
Other Turkish sanal POS integrations
DenizBank sanal POS
DenizBank through InterPos. Lira checkout with no payment page to build.
TEB sanal POS
Part of the BNP Paribas group. 3D Secure card payments in Lira.
Garanti BBVA sanal POS
Hosted 3D Secure checkout and taksit plans from a large private bank.
iyzico Checkout Form
Turkish payment service provider. One API key, no bank contract.
Start selling with QNB Türkiye VPOS
Create your TinyVendor account and connect QNB VPOS. No credit card required.