9 payments, local + global.
iyzico, PayTR, Param, Stripe and 4 bank virtual POS. Apple/Google Pay, instalments, wallet, gift cards, multi-currency — one panel, one API.
Every payment method, in one panel.
9 providers + 4 VPOS
iyzico, PayTR, Param, Stripe + Garanti, Yapı Kredi, İş, Akbank VPOS.
Apple/Google Pay
Biometric approval in seconds; iOS + Android native.
Instalment management
2-12 instalments by bank; customize instalment percentages from the panel.
Wallet + gift cards
Customer wallet, gift cards, loyalty points — usable at checkout.
A payment's lifecycle.
Customer enters card
Form lives at the provider, not Karum; card never touches Karum.
3DS verification
Bank 3DS modal opens; SMS/app approval.
Provider captures
iyzico/PayTR/Param completes; webhook to Karum.
Order triggered
Payment confirmed → order moves to 'paid'.
E-invoice
GİB e-invoice issued automatically; delivered to the customer.
Reconciliation
Monthly provider report matched against Karum orders.
In payments, the details we care about.
Widest local payment range; failover between providers.
iOS Safari + Android Chrome native; biometric approval.
BKM Express + every bank; instalment suggestion auto by cart.
Full, partial, item-level refunds; sent to provider automatically.
TL, EUR, USD, GBP — auto-converted at live FX.
Provider fraud detection + Karum risk score combined.
Daily provider report auto-matched against Karum orders.
How payments talks to other modules.
We started with iyzico, then added PayTR. Karum failover swaps to the other if one breaks; we never notice.
Available on
Your first sale this week. Setup in 5 minutes.
Our onboarding team runs the process. Data migration, product mapping, and channel connection included — first sale on average in 3–7 days.