Ziraat Bankası Sanal POS
Ziraat Bankası is Turkey's largest bank, with more branches and cardholders than any other — including in towns and provinces the big Istanbul banks barely reach. A Ziraat sanal POS on your sell link is a direct line to that buyer base.
About Ziraat Bankası
Roots back to 1863
Türkiye Cumhuriyeti Ziraat Bankası dates back to 1863 and took its present name in 1888, which makes it one of the oldest banks still operating in Turkey.
Headquartered in Istanbul, Turkey
The head office sat in Ankara for most of the bank's history and moved to the Istanbul Finance Center in 2023.
Wholly state-owned
Ziraat Bankası is fully owned by the Turkish state, held through Türkiye Varlık Fonu (the Turkey Wealth Fund). It has never been privatized, and stands alongside Halkbank and VakıfBank as one of Turkey's three major public banks.
Turkey's largest bank
By total assets, Ziraat is the largest bank in Turkey, with a domestic network of well over 1,700 branches plus subsidiaries and branches abroad — by a wide margin the broadest branch footprint of any Turkish bank, reaching well beyond the biggest cities.
How to apply for a Ziraat Bankası sanal POS
1. Prepare your company documents
Have your tax registration certificate, trade registry gazette extract, signature circular, and IBAN ready. Because a sanal POS is for online sales, expect Ziraat to also want to see a website with clear terms of sale, a refund policy, and contact details.
2. Apply at a branch or through the merchant platform
Ziraat Bankası offers merchant (üye işyeri) services through its branches and through a dedicated merchant platform for corporate and commercial customers — which one applies depends on your business's size and existing relationship with the bank.
3. Sign the merchant agreement
The üye işyeri agreement covering your virtual POS sets your rates and settlement terms directly with Ziraat Bankası — that agreement is between you and the bank, separate from TinyVendor.
4. Wait for review and provisioning
As with other Turkish banks, approval timing depends on document completeness and the bank's review queue — in general, expect anywhere from several business days to a few weeks given the scale of Ziraat's merchant operations.
5. Receive your sanal POS credentials
Once approved, Ziraat issues a Client ID (merchant/terminal ID), a Store Key, and an API username and password from its virtual POS panel. These are the four values TinyVendor asks for when you connect the gateway.
Selling with Ziraat Bankası on TinyVendor
1. Add Ziraat Bankası as a gateway
In your TinyVendor dashboard, open payment settings and add "Ziraat Bankası (Credit Card)." Enter the Client ID, Store Key, and API username and password from your Ziraat sanal POS panel, keeping sandbox mode on until you're ready to test a real card.
2. Turn on installments (optional)
Switch on installments to offer taksit plans on Ziraat cards. TinyVendor works out and displays the available plans at checkout, so you're not building any installment tables yourself.
3. Create a sell link
Set a title, price, and description for what you're selling. TinyVendor builds the link for you — there's no hosted checkout page to design or maintain.
4. Share it, get paid
Share the link anywhere your buyers are. They complete 3D Secure on Ziraat's own hosted page — card details never touch your server, so there's no PCI scope on you — and Ziraat settles funds under your merchant agreement with the bank.
5. See the order in your dashboard
Completed orders, with the chosen installment plan if any, appear in TinyVendor right away. Everything from adding the gateway to checking an order works from a phone, with no code to write.
Questions
What does it cost to take Ziraat Bankası payments through TinyVendor?
Ziraat sets your card commission in the merchant agreement you sign with the bank, and settles funds under it. On top of that, TinyVendor charges 2% of a sale on Basic, 1% on Pro and 0.5% on Max, with no monthly fee.
Is Ziraat Bankası state-owned?
Yes. Ziraat Bankası is wholly state-owned, held through Türkiye Varlık Fonu (the Turkey Wealth Fund), and is Turkey's largest bank by assets.
How do I apply for a Ziraat Bankası sanal POS?
Apply at a Ziraat Bankası branch or through its merchant platform with your company's tax registration, trade registry extract, signature circular, and IBAN. Once approved, the bank issues a Client ID, Store Key, and API username and password for the virtual POS.
Can I offer installment plans with Ziraat Bankası on TinyVendor?
Yes. Ziraat Bankası's virtual POS supports taksit installment plans, and TinyVendor displays the available options to buyers at checkout.
Other Turkish sanal POS integrations
Halkbank sanal POS
Widely held by tradesmen and small businesses. Installments supported.
VakıfBank sanal POS
Hosted 3D Secure checkout from Turkey's second-largest bank.
Türkiye İş Bankası sanal POS
İşbank sanal POS. Lira card payments with 3D Secure and installment plans.
Şekerbank sanal POS
Deep roots in Anatolian towns, tradesmen, and agriculture.
Start accepting payments with Ziraat Bankası
Create your TinyVendor account and connect your Ziraat Bankası sanal POS. No credit card required, and you can create your first link in under a minute.