Shopify Sipay integration is set up through Sipay POS, Sipay's official and free app on the Shopify App Store. Once your Sipay merchant application is approved, you install the app, connect it with the details from your Sipay panel, and activate Sipay under Settings > Payments. The app supports Visa, Mastercard and Troy cards, Turkish bank installments, and multiple currencies.
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 works on Shopify much like iyzico and PayTR: Sipay has an official app published in the Shopify App Store. Sipay POS is a free payment app developed by SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI A.S. and released on June 5, 2025. Because it runs on Shopify's payments app framework, Sipay shows up as a payment provider under Settings > Payments once the app is installed.
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 layers that matter are the virtual POS and the installment infrastructure; depending on your business category, you can offer installments of up to 18 months.
Critical Note: The Sipay POS app is free to install, but the details you need to connect it come from the Sipay panel, so setup starts with a Sipay merchant application. Installing the app before your application is approved isn't enough to use Sipay as a payment provider.
Because commission rates vary by bank even for single-payment transactions, stores that choose Sipay can negotiate based on their transaction volume. According to Sipay, commission rates range from 1% to 11%, and the rate drops as monthly transaction volume grows.
How to Connect Sipay to Shopify? (Official App or API Integration?)
To connect Sipay to Shopify, you install the official Sipay POS app from the Shopify App Store and connect it with the details from your Sipay panel; you don't need a separate payment connection built on the Business API.
Connection via Sipay Business API
The Sipay Business API runs on RESTful services and handles money transfers, account management, and transaction tracking through a single API. On a Shopify store, you don't need to write code against this API: Shopify has no general "custom payment gateway" field where you can enter any provider's API key, only payments partners approved by Shopify can publish payment apps, and Sipay POS is an official app published this way. A payment extension built for a single store is available only to eligible Shopify Plus stores.
This means neither your own developer nor an agency needs to write a separate Sipay payment connection into Shopify checkout; outside Shopify Plus, that isn't possible anyway. If you work with an agency, confirm that the setup runs through the official Sipay POS app, so maintenance and updates depend on Sipay, the app's publisher, rather than on the agency.
How Does the Sipay POS App Work on Shopify?
Sipay POS runs on Shopify's official payments app framework: during installation it asks for access to your store's payment gateways and payment sessions, and once installed, Sipay appears under Settings > Payments like any other payment provider. According to its App Store listing, the app supports Visa, Mastercard and Troy cards, Turkish bank installments, and multiple currencies; it offers fraud protection and PCI-DSS certified infrastructure, and you manage transactions, refunds, and payouts from a single dashboard.
Risk to Avoid: When you search for "Sipay Shopify app," recognize the official app by its developer name: Sipay POS is developed by SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI A.S. Some third-party "integration" pages that show up for this search may be basic solutions that simply pass API keys through, with no real Sipay partnership behind them; with an official app available, don't share your merchant details with such a middleman.
The commission flexibility we mentioned in the previous section works independently of the app: Sipay POS is free to install, while Sipay sets the commission based on each store's transaction volume and bills it separately from your Shopify invoice.
Shopify Sipay Integration: Step-by-Step Setup Process
The setup begins with opening a Sipay merchant account and ends with a test order at the Shopify checkout; the steps in between cover installing the Sipay POS app, connecting it with the details from your Sipay panel, and activating Sipay under Settings > Payments.
Step 1: Open a Sipay Merchant Account
Apply to become a merchant at Sipay.com.tr. According to Sipay, no contract is required for this process; once your application is approved, you get the merchant details needed to connect the Sipay POS app from the Sipay panel.
Step 2: Install the Sipay POS App
Open Sipay POS in the Shopify App Store, check that the developer is SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI A.S., and install the app on your store. Installation is free; Sipay's commission is billed separately from your Shopify invoice. During installation, the app asks for access to payment gateways and payment sessions.
Step 3: Connect the App and Activate Sipay in Payment Settings
Open the Sipay POS app and enter the merchant details from your Sipay panel to connect your account, then activate Sipay as a payment provider under Settings > Payments in Shopify. At this stage, make sure the details you enter belong to the correct merchant account; payments, refunds, and payouts are processed through that account.
Step 4: Configure Installment and Card Brand Settings
In the Sipay panel, you choose which card families (Advantage, Axess, Bonus, World, CardFinans, Maximum, Paraf, SağlamKart, Ziraat Bankkart Combo) are active and how many installments you allow. Depending on your business category, the installment limit can go up to 18 months; setting this limit by product category has a direct impact on 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. Check that the payment result shows up correctly on the Shopify order screen and that the funds reach your account within the payout period you chose (next day or after 7 days).
Step 6: Go Live
Once the test transactions go through without issues, switch the integration to live mode. Keep a close eye on the first few real orders and check in the panel that the commission deducted matches the rate you expect.
Sipay's Key Features and Commission Structure
What sets Sipay apart from a single bank agreement is that it accepts 9 card families through one integration and adjusts commission rates to your 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; before integrating, get written confirmation from Sipay of the rate for your own transaction volume.
A common risk we see at Nodus Works with API-based payment integrations is that the agency that built the integration later stops supporting it. Because Sipay POS is an official app supported by Sipay itself, this risk is no different than with PayTR or iyzico; whoever sets up the integration, the store owner should also keep backup access to the Sipay panel and the merchant details.
Comparison of Sipay with iyzico/PayTR/Craftgate
The primary axis that distinguishes Sipay from the other three providers is that its commission rate is determined by volume rather than being fixed; all four have an app in the Shopify App Store.
For a store without a technical team that wants a quick setup, Sipay POS installs from the App Store just like iyzico and PayTR, so setup isn't where they differ; the difference lies in merchant approval and the commission model. Sipay's real advantage shows with mid-sized and large stores that can bring their commission rate down as monthly transaction volume grows, and that value this flexibility.
Common Mistakes and Important Considerations
The most common mistake with Sipay is assuming it has no Shopify app and planning the setup as an API-based custom integration; with the official Sipay POS app available, having a separate connection built adds unnecessary cost and maintenance.
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 service whether the setup runs through the official Sipay POS app developed by SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI A.S.
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; this may look like a "hidden commission increase," but it is actually a predefined, volume-based mechanism.
Tip: If an agency handled the setup, keep a copy of your Sipay panel access and the merchant details used to connect the app in your own records. When your relationship with the agency ends, it becomes difficult to reconnect the app or hand the setup over to another developer without this information.
The third mistake is overlooking that the maximum installment limit depends on your business category. Installments of up to 18 months are not automatically available for every product category; if you show installment options at checkout without checking each category's limit in the Sipay panel, the options the customer sees may not match the number of installments actually approved.
FAQ: Shopify Sipay Integration
How is Sipay set up on Shopify? Once your Sipay merchant application is approved, you install the free Sipay POS app from the Shopify App Store, connect it with the details from your Sipay panel, and activate Sipay under Settings > Payments. Before going live, test both single-payment and installment transactions with a low-value test order.
Does Sipay have a Shopify app? Yes. Sipay POS is the official app developed by SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI A.S.; it was released on the Shopify App Store on June 5, 2025, it is free to install, and once installed, Sipay appears as a payment provider under Settings > Payments.
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, check each category's limit in the panel.
Should you choose Sipay or PayTR? Both have an official Shopify app, so the setup effort is similar; the commission model decides. For small-to-medium-sized stores that prefer a fixed rate based on account type, PayTR fits better. For stores with high transaction volume that want to negotiate commission rates based on volume, Sipay's volume-based model is more suitable.
Conclusion
Sipay installs on Shopify through the official Sipay POS app, from the App Store just like iyzico, PayTR, and Craftgate; the only extra preparation is getting your merchant application approved. Its flexible commission structure and installment options of up to 18 months make it especially attractive for high-volume stores.
Before you start, get the commission rate for your own transaction volume from Sipay in writing; setting up Sipay POS doesn't require API-based development. For stores that want payments set up on Shopify end to end, together with shipping and ERP connections, our Shopify integration service also covers maintenance of payment providers. We compare the other payment providers that connect to Shopify in Turkey (Craftgate, Paratika, Lidio) in our Shopify virtual POS setup guide.
