Payment Orchestration

Every bank and payment institution,the best rate on every payment

Manage every bank acquirer and payment institution from one place. Each payment is routed automatically to the lowest-cost acquirer for its card and instalment plan, from single payments to the 1–12 month instalments common for card purchases in Turkey.

Rare capabilityRouting across payment institutions too, by card programme and instalment plan

From Arçelik to Metro, leading brands run their B2B payments on Tahsildar.

Arçelik
Caudalie
ttec
Yayla
Mexxsun
Boston
Metro
How it works

Three steps to set up, then your rules take over

Connect your acquirers and set your rules; every payment is then routed to the best POS automatically.

ServiceWe set up your POS accounts and routing rules with your onboarding specialist and test them before go-live.
Step 1 of 3
Payment methods
7 of 10 active
+4 more methods
Smart routingRare capability

Accept every payment at the best available rate

Across hundreds of combinations, from single payments to 12 instalments, Tahsildar routes each transaction to the lowest-cost acquirer that is live at that moment. It does this across bank acquirers and also across payment institutions that price the same card programme differently.ServiceNot enough POS agreements to route between? Get quotes from at least 3 payment institutions with a free POS pricing quote.

PlanBank ABank BPayment institution XPayment institution YRouted to
Single1.89%1.95%1.79%1.85%Payment institution X
34.90%4.75%4.39%4.62%Payment institution X
46.30%6.10%5.95%5.70%Payment institution Y
68.90%8.70%8.80%8.35%Payment institution Y
912.60%12.20%12.40%12.55%Bank B
Average MDR
6.49%
vs. bank acquirers only
0.24 pp lower
Bonus cards: 3 instalments go to Payment institution X, 4 instalments to Payment institution Y.

Illustrative rates. Live routing uses your own acquirer agreements and real-time acquirer status.

Automatic failover

Keep payments flowing, even when an acquirer goes down

Tahsildar routes each payment to the lowest-cost bank or payment institution among your partners. If the first route fails, the payment is retried instantly on the next-best one.

  • Instant failover to a backup acquirer
  • Switch acquirers on or off in one click
  • Scheduled acquirer switch

The second layer of redundancy is Tahsildar’s own infrastructure: systems are monitored 24/7, data is backed up automatically on a regular schedule, our disaster recovery plan is tested regularly and the platform scales automatically with load at peak times. Infrastructure and continuity

Routing order · Bonus, 3 instalments
  1. 1Payment institution XPrimary · 4.39%Active route
  2. 2Bank ABackup 1 · 4.90%Standby
  3. 3Bank BBackup 2 · 4.75%Standby
Payments routed via Payment institution X
The next acquirers are on standby and take over if anything goes wrong.
Rule sets

A rule for every customer, dealer and card

Run as many rule sets as you need in the same month. You decide, by customer, dealer or card, which acquirer handles the payment, which instalment plans are offered and who bears the cost.

  • Run your own instalment campaigns
    Open or close instalment plans for your customers, and absorb the instalment cost or pass it on.
  • Unlimited routes across dealers and sub-dealers
    Set acquirer, instalment and fee rules per dealer, dealer group or sub-dealer.
  • From simple to highly complex
    Start with a single rule. Every orchestration module you may need is already built in.
ServiceYour operations account manager supports you with rule and settings changes.
Rule sets live this month
Example
Applies to
Aegean dealer group
Cards
Bonus, Axess
Routing
Payment institution X
Instalment cost
Parent company absorbs up to 3
Valid
1–30 November
Instalments offered5 plans open

Close an instalment plan and it disappears from checkout instantly for everyone in this rule set.

One integration

Partner banks and payment institutions

Already integrated with Türkiye’s leading banks and payment institutions, so you go live without separate integrations and run operations more efficiently.

Banks23

  • Akbank
  • Garanti BBVA
  • Türkiye İş Bankası
  • Yapı Kredi
  • Ziraat Bankası
  • VakıfBank
  • Halkbank
  • QNB
  • +15 more

Payment institutions23

  • Paynkolay
  • QNBPay
  • PayTR
  • Paratika
  • Moka
  • ZiraatPay
  • HalkÖde
  • AkÖde
  • Paycell
  • +14 more
Payment Orchestration

Frequently asked questions

Can’t find the answer you need? Review your acquirer agreements and routing set-up with our team.

+90 850 532 75 05 All questions

It connects you to every bank virtual POS through a single integration, so you can accept low-fee card payments in 1–12 instalments.

Each payment is routed automatically to the lowest-cost acquirer that is live at that moment, based on card programme and instalment plan. You set the rules once; the system does the routing.

Yes. Tahsildar compares instalment pricing from different payment institutions for the same card programme. For example, 3-instalment Bonus payments can go to one payment institution and 4-instalment payments to another.

A rule set defines, per customer, dealer or card, which acquirer is used, which instalment plans are offered and who bears the instalment cost. You can run as many rule sets as you need in the same month.

The payment is rerouted automatically to the next-best acquirer. You can switch acquirers on or off at any time and schedule a switch for a future date.

Fees depend on your volume and the banks and payment institutions you work with; our free POS pricing quote gives you a side-by-side comparison.

Request a demo

Start routing every payment to the best POS

Fill in the form and see Tahsildar in a free live demo. Set up payment orchestration in four simple steps.

  1. 01
    Fill in the form
    Tell us about your company and current acquirer agreements.
  2. 02
    We connect your acquirers
    Bank acquirers and payment institutions, brought together in one integration.
  3. 03
    We set up your rules together
    Card, instalment and rule set logic, defined with you.
  4. 04
    Start accepting payments
    Every payment is routed to the best acquirer from day one.
Demo request

A seamless payment experience with low-fee products

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