What is the Shopify Sipay Integration?
The Shopify Sipay integration is a setup that connects your store to Sipay's virtual POS infrastructure, allowing you to accept 9 card families (Advantage, Axess, Bonus, World, CardFinans, Maximum, Paraf, SağlamKart, Ziraat Bankkart Combo) through a single payment provider. According to Sipay's own definition, merchants can accept payments via credit and debit cards from these card families without needing separate agreements with each bank.
Sipay's position in Shopify operates differently than iyzico or PayTR. As shown on the apps.shopify.com/partners/sipay page, there is no official Sipay application published in the Shopify App Store; the integration is performed by entering API keys via the Sipay Business API documentation (apidocs.sipay.com.tr) or through a custom connection established by a developer or agency.
In addition to virtual POS, Sipay offers physical POS, open banking, EFT/wire transfer, and digital wallet products under one roof. For Shopify stores, the primary layers used are the virtual POS and installment infrastructure; depending on the field of activity, installment options of up to 18 months are provided for installment sales.
Critical Note: The fact that Sipay does not have an official application in the Shopify App Store means that the setup requires more technical steps compared to iyzico or PayTR. If the store owner cannot perform the API integration themselves, it is difficult to complete this setup without the support of a developer or agency.
The fact that commission rates for single-payment transactions vary by bank makes Sipay a model where stores can negotiate based on their transaction volume. According to Sipay data, commission rates range between 1% and 11%, and this rate decreases as the monthly transaction volume increases.
How to Connect Sipay to Shopify? (Official App or API Integration?)
The only way to connect Sipay to Shopify is to build a custom integration using the Sipay Business API; there is no Sipay application that can be installed with a single click from the App Store.
Connection via Sipay Business API
The Sipay Business API operates via RESTful services and manages money transfers, account management, and transaction tracking through a single API. To use this API on the Shopify side, you must either develop an application that uses Shopify's custom payment gateway infrastructure or use a third-party solution based on Sipay's virtual POS API documentation (apidocs.sipay.com.tr).
There are two paths at this point: setting up the API integration directly with your own developer, or purchasing a ready-made connection from agencies that offer Sipay virtual POS integration, such as Qukasoft and posentegrator.com. The second path is faster to set up, but the maintenance and updates of the integration remain dependent on that agency.
Why Is There No Official Sipay App in the Shopify App Store?
Sipay prefers to conduct its Shopify integration directly through API documentation and business partnerships rather than via the App Store. This model differs from the "Shopify app first, then API" approach followed by iyzico and PayTR; Sipay primarily keeps its Business API open to the developer ecosystem.
Risk to Avoid: Do not expect to find an official result in the App Store by searching for "Sipay Shopify app." Some third-party "integration" pages that appear as a result of this search may be simple solutions that only redirect API keys without a real Sipay partnership; ask the agency if they have an official technical partnership document with Sipay before installation.
The commission flexibility we mentioned in the previous section is a direct result of this API-based model: instead of offering a one-size-fits-all App Store package, Sipay can offer special terms based on each store's transaction volume.
Shopify Sipay Integration: Step-by-Step Setup Process
The setup begins with opening a Sipay merchant account and ends with testing the API connection at the Shopify checkout; the steps in between cover obtaining API keys and choosing the integration method.
Step 1: Open a Sipay Merchant Account
Apply to become a merchant via Sipay.com.tr. According to Sipay's own definition, there is no contract requirement for this process; once your application is approved, you can retrieve your API username, password, and merchant key from the Sipay panel.
Step 2: Choose Your Integration Method
Decide here whether to build a custom integration with your own development team based on the Sipay Business API documentation (apidocs.sipay.com.tr) or to get support from an agency that offers ready-made Sipay integration services, such as Qukasoft or posentegrator.com. If you do not have a technical team, the second option shortens the setup time.
Step 3: Configure API Keys in Shopify Payment Settings
Depending on the integration method you choose, you will enter your API keys either into Shopify's custom payment gateway field or into the application settings provided by the agency. At this stage, it is essential to confirm that the merchant key and API password match the correct store account; a mismatch will prevent orders from appearing in Shopify even if the payment is approved.
Step 4: Configure Installment and Card Brand Settings
You define which card brands (Advantage, Axess, Bonus, World, CardFinans, Maximum, Paraf, SağlamKart, Ziraat Bankkart Combo) and how many installments will be active via the Sipay panel. Depending on your business sector, the installment limit can go up to 18 months; adjusting this limit based on your product categories directly impacts conversion for high-ticket items.
Step 5: Perform a Test Transaction
Before going live, test both single-payment and installment transactions with a low-value test order. Verify that the payment result is correctly reflected on the Shopify order screen and that the payment confirmation reaches your account within your specified timeframe (the next day or after 7 days).
Step 6: Go Live
Once the test transactions are completed without issues, switch the integration to live mode. Closely monitor the first few real orders to ensure that the commission deduction matches the rate you expect in the panel.
Sipay's Key Features and Commission Structure
The main difference that sets Sipay apart from individual bank agreements is its ability to accept 9 card brands through a single integration and offer flexible commission rates based on transaction volume.
According to Sipay's data, merchants can move to lower commission rates as their transaction volume increases; unlike providers with fixed rates, this provides a direct cost advantage for growing stores.
Tip: The lack of a contract requirement makes trial integrations cheaper for low-volume or seasonal stores. However, because the commission rate varies by volume, a low-volume store could end up paying rates closer to the 11% upper band; obtain written confirmation from Sipay regarding the rate corresponding to your own transaction volume before integrating.
At Nodus Works, a common risk we see in API-based payment integrations is the agency that set up the integration later ceasing to provide support. Since Sipay does not have an official Shopify app, this risk is higher compared to PayTR or iyzico; regardless of who sets up the integration, API keys and documentation must be kept as backups by the store owner as well.
Comparison of Sipay with iyzico/PayTR/Craftgate
The primary axis that distinguishes Sipay from the other three providers is the lack of an official Shopify app and the fact that commission rates are determined by volume rather than being fixed.
Based on our observations in the projects we manage, for a store without a technical team that wants a quick setup, Sipay's API-based model creates an unnecessary hurdle compared to the one-click installation of iyzico or PayTR. Sipay's real advantage emerges for medium-to-large scale stores that can lower their commission rates as their monthly transaction volume grows and who value that flexibility.
Common Mistakes and Important Considerations
The most common issue with Sipay integration is searching for an official result in the App Store for a "Shopify Sipay app"; no such app exists, so the setup must be planned as an API-based integration from the start.
Critical Note: Some third-party agency pages use phrases like "one-click Sipay Shopify integration." These phrases may refer to a middleware app developed by the agency itself; confirm in writing with the agency before purchasing the integration whether it connects directly to Sipay's official Business API.
The second common mistake is assuming that the commission rate is fixed at a single figure provided verbally during the application. Since Sipay's commission structure varies based on transaction volume, a store starting with low volume in the first month may see a deduction closer to the upper-tier rate; while this may be perceived as a "hidden commission increase," it is actually a pre-defined mechanism based on volume.
Tip: If you set up the integration through an agency, keep a copy of your API keys and merchant key information in your own records. When your relationship with the agency ends, it becomes difficult to transfer the integration to another developer without this information.
The third point is overlooking the fact that the maximum installment limit varies depending on the field of activity. Installment options of up to 18 months are not automatically defined for every product category; reflecting installment options at checkout without checking which category has which limit in the Sipay panel can lead to a mismatch between the installment options shown to the customer and the number of installments actually approved.
FAQ: Shopify Sipay Integration
How is Sipay set up on Shopify? Sipay does not have an official app in the Shopify App Store; setup is performed by creating a custom integration via Sipay Business API documentation or through an agency that provides this integration. Once you receive your API keys, you define them in Shopify's custom payment integration area or the agency's app.
Does Sipay have a Shopify app? No, the apps.shopify.com/partners/sipay page indicates that Sipay does not have an app published in the App Store. The integration is established via a custom API-based connection or a third-party agency solution.
What is Sipay's commission rate? According to Sipay data, the commission rate varies between 1% and 11%, and the rate decreases as transaction volume increases. You must obtain the exact rate in writing from Sipay based on your own transaction volume.
How many months of installments are available with Sipay? Installment options of up to 18 months are offered depending on your field of activity. Since the maximum installment limit can vary by product category, you need to check which category has which limit via the panel.
Should Sipay or PayTR be preferred? For small-to-medium-sized stores that want a fast, one-click setup, PayTR's official Shopify app carries less technical burden. For stores with high transaction volume that want to negotiate commission rates based on volume, Sipay's API-based model is more suitable.
Conclusion
Since Sipay does not offer an official Shopify app, it requires more technical preparation compared to iyzico, PayTR, or Craftgate. In return, its flexible commission structure and installment options of up to 18 months can justify this additional setup burden for high-volume stores.
Before deciding on an integration method, clarify whether your internal technical team can handle an API-based setup; if not, seeking agency support becomes inevitable. For stores looking to set up payment integration on Shopify end-to-end, along with shipping and ERP connections, our Shopify integration service also covers the maintenance of API-based payment providers. We have examined other payment providers that connect to Shopify in Turkey (Craftgate, Paratika, Lidio) in our Shopify virtual POS setup guide in a comparative manner.
