Payment Gateway
Definition
A payment gateway is the service that carries a card payment from a store's checkout to the bank and returns the result. It handles authentication such as 3-D Secure, tokenization, refunds, and installment lookups behind a single integration. Stores in Turkey usually choose a local provider such as iyzico or PayTR, and add an international one such as Stripe when they sell abroad.
Why it matters for your store
The gateway decides which cards you can accept, which installments you can offer, how refunds work, and how much each sale costs you. It also decides how many things can go wrong: duplicate charges, payments stuck in an unknown state, or refunds that need a phone call.
Choosing well means matching the gateway to the market. Turkish consumers need a Turkish provider or bank for local cards and installments. European or American customers need a gateway that can settle in their currency. A store that sells in both places usually runs two.
Switching gateways later should be painless. It is not, on many platforms, because the checkout is written around one provider.
How Kambloo handles it
Every payment method on Kambloo implements the same gateway contract, so the checkout, order flow, and refund screen do not change when you switch or add providers. The catalog includes iyzico and PayTR for the Turkish market, Stripe for international sales, Craftgate for routing across several banks, a direct bank virtual POS module, cash on delivery, and bank transfer with a notification form and admin approval.
The card flow is the same for all of them: create the order and reserve stock, start the payment, send the customer through 3-D Secure, receive a signed callback, and confirm. If the callback is late, a status query resolves it. Duplicate callbacks are ignored through unique transaction records and locks.
Refunds, including partial refunds, are issued from the order screen through the gateway's API. Provider webhooks are verified by signature and deduplicated before any order changes.
Kambloo charges no commission on sales. What you pay per transaction is only your provider's fee.
Questions about Payment Gateway
Does Kambloo take a commission on payments?
No. Kambloo charges no commission on your sales. The only transaction cost is the fee your payment provider or bank charges under your own agreement with them.
Can I offer more than one payment method at checkout?
Yes. Card payment through a provider or bank POS, cash on delivery, and bank transfer can all be active at the same time. The customer picks one at checkout.