Connect to Turkey's payment rails through one integration layer.
Paynion Gate is a ready, integrated infrastructure that connects banks and payment institutions to payment systems quickly. From FAST and instant payments to open banking, BKM and card schemes, every connection is consolidated in a single integration and operations layer — backed by BIN sponsorship and representation services.
Built for
FAST, BKM, open banking and card schemes each come with their own specs, certification and maintenance burden.
How we solve it
Gate brings every connection into one ready layer, so your systems integrate once.
Matching scheme files against internal records every day is error-prone and ties up operations teams.
How we solve it
Automated clearing, settlement and end-of-day reconciliation post straight into core banking and accounting.
Request to pay, open banking and other new services keep landing on already full IT roadmaps.
How we solve it
Gate provides these connections ready-made, so you add new services without starting a project from zero.
E-money accounts, wallets, transfers, cards and processing
Ready-made infrastructure, BIN sponsorship and representation
Virtual POS, merchants and onboarding / error management
A payment comes in from mobile, internet banking, branch or a partner channel.
Gate captures the transaction and routes it to the right rail or scheme.
Rule-based checks screen the transaction before it leaves your institution.
The payment is processed through BKM, FAST, Visa Direct or the relevant system.
Positions across schemes are cleared and settled automatically.
Reconciled results flow into core banking and accounting without manual work.
Ready connections for instant transfers and request-to-pay flows.
Ready infrastructure to take on account-servicing or third-party provider roles.
BKM KYS, SİPER, GOİ, BEX, Visa Direct and Masterpass from a single layer.
Transaction capture, smart routing and fraud checks on every payment.
Automated multi-scheme clearing, settlement and end-of-day reconciliation, posted to core banking and accounting.
Issue cards and access schemes through sponsorship and representation services.
A bank wants to offer Ödeme İste to its retail and corporate customers without opening a new integration project.
Outcome
The service runs over Gate's ready connection and plugs into the bank's existing channels.
Best for: banks, participation banks
A payment institution wants to issue its own cards but has no direct scheme membership.
Outcome
Gate's BIN sponsorship and representation give it a path to issuing, with connectivity handled in one layer.
Best for: payment and e-money institutions
An institution needs to serve open banking requests as an ASPSP and offer its own TPP services.
Outcome
Both roles run on Gate's ready open banking infrastructure, alongside the institution's other connections.
Best for: banks, payment institutions
An operations team reconciles FAST, card and BKM transactions by hand at the end of every day.
Outcome
Gate automates clearing and reconciliation and posts results to core banking, freeing the team for exceptions.
Best for: bank operations and finance teams
Use Gate's existing connections to payment systems instead of building each one yourself.
Access card schemes and payment systems through Gate's sponsorship and representation model.
Gate connects to your core banking and accounting, keeping the systems you already run.
Gate consolidates every connection from a bank or payment institution to the payment systems in one layer — every step from transaction to accounting is automated and integrated.
No. Gate sits between your systems and the payment rails, and posts clearing and reconciliation results into your existing core banking and accounting.
Yes. You can start with the rails you need today, such as FAST or request to pay, and add others on the same layer later.
It lets institutions without direct scheme membership issue cards and access schemes through a sponsor. Our team will walk you through the model and requirements.
Your institution keeps its regulatory obligations. Gate is designed around scheme and regulatory requirements to support you in meeting them.
It depends on the connections and services you use. Talk to our team for a tailored proposal.
Tell us which product you want to start with — we'll shape the PoC together.
