Asked often, answered plainly

A Kvell account and a short onboarding. You tell us about your business, we run the required identity checks (KYC), and once you're approved you can take your first payment — no code needed for payment links, invoices and QR.

Most businesses finish onboarding the same day. Payment links and the hosted checkout work immediately after approval, and a developer can integrate the API in an afternoon.

No. Payment links, invoices and QR codes work without one — send a link by email or message, or show a QR code at the counter.

Turkish lira (TRY). Every amount is tracked as integer kuruş, so totals always add up to the last kuruş.

Credit and debit cards from Turkey's major banks. The hosted checkout handles card entry and runs 3D Secure automatically whenever the bank requires it.

3D Secure is the extra confirmation step from your customer's bank — usually an SMS code or an approval in their banking app. Kvell triggers it automatically when it's needed; you don't configure anything.

Yes. Cards are stored in Kvell's encrypted vault and referenced by a token — the actual card number never touches your systems, so there's nothing risky for you to keep.

Automatically. When a customer enters their card, Kvell recognises the customer's bank and shows the plans that card is eligible for — you don't maintain any bank tables.

Yes. The bank settles the full amount and your payout follows your normal schedule; the cardholder repays their own bank in monthly installments.

Each plan carries a commission rate that's shown to you before you enable it and itemised on every payment. Rates shown on our site are examples — your exact rates live in your agreement and dashboard.

Once a payment settles, it becomes payable and you can send it to your bank. FAST transfers land in seconds, day or night; EFT follows banking hours.

FAST is Turkey's instant transfer network — around the clock, typically for everyday amounts. EFT is the classic interbank transfer that runs during business hours and suits larger sums.

Always. The dashboard separates what's been paid out, what's payable now and what's still settling — down to the kuruş.

Full or partial, in one click from the dashboard or one API call. The money goes back to the card it came from, and the ledger records every step.

Kvell processes it immediately; the customer's bank typically shows it within a few business days, depending on the customer's bank.

You're notified in the dashboard with the reason code and the evidence deadline. You can accept it or contest it with documents — either way, every step is tracked on the payment's timeline.

In Kvell's isolated, encrypted card vault. Your systems only ever see a token — which means the heaviest part of card-security compliance never lands on you.

Personal data is processed under Turkey's KVKK. Disclosure texts and consent flows are built into our products, and our privacy policy explains what we process and why.

Yes — every sale can create its e-Fatura or e-Arşiv document automatically, ready for GİB, so invoicing keeps up with your payments by itself.