iyzico
国家/地区: 土耳其 (TR) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 70%
iyzico 是土耳其领先的数字支付平台与消费钱包（隶属于 PayU / Prosus），以多卡聚合分期、一键快速结账及买家保障服务为核心，广泛用于跨国电商、独立站自建商城及数字订阅服务。
🔄 用户付款交互流 (User Flow)
- Customer selects Pay with iyzico (iyzico ile Öde) at merchant checkout
- Customer logs in with mobile phone number and SMS verification or uses stored card credentials
- Customer chooses payment source: iyzico wallet balance, saved bank cards with installment options (Taksit), or direct bank transfer
- Customer completes 3D Secure SMS authorization
- Order is confirmed instantly with buyer protection guarantee
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant backend initiates payment checkout form initialization via iyzico API
- iyzico generates responsive checkout iframe / redirect form
- Customer authorizes transaction through 3DS verification
- iyzico sends synchronous result and asynchronous webhook callback to merchant
- Merchant updates order state to Paid