Qitero Qitero

Tosla

Country: Turkey (TR)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 35%

Tosla is a popular digital wallet and prepaid card platform by Akbank subsidiary AkÖde in Turkey, featuring youth-oriented social payments, gaming cashback, and in-app checkout widely used for e-commerce, gaming purchases, and P2P transfers.

🔄 User Payment Flow

  1. Customer selects Pay with Tosla at merchant checkout
  2. Customer enters registered mobile phone number
  3. Customer confirms push notification on Tosla mobile app with biometric or 6-digit PIN
  4. Wallet balance is debited instantly and cashback rewards are granted

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API generates Tosla payment request token
  • Tosla app triggers authorization push to user
  • User verifies charge in mobile app
  • Merchant receives instant settlement notification webhook