Qitero Qitero

Papara

Country: Turkey (TR)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 60%

Papara is Turkey's leading digital wallet neobank, enabling mobile instant checkout, cashback rewards, and automated subscription auto-debit.

🔄 User Payment Flow

  1. Customer selects Papara at merchant checkout
  2. Checkout opens Papara mobile app or presents Papara account login
  3. Customer verifies transaction amount and approves with biometric auth / PIN
  4. Papara debits wallet balance and returns instant confirmation token to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway for Papara session token
  • PSP issues payment token and Papara checkout payload
  • PSP receives Papara clearing webhook notification and confirms order status