Turkey's Most Comprehensive Fintech Platform -- 18 Banks, 150M+ Customers, Multi-Gateway Payment Processing with Fraud Detection
Turkiye'nin En Kapsamli Fintech Platformu -- 18 Banka, 150M+ Musteri, Coklu Gecit Odeme Isleme ve Dolandiricilik Tespiti
18 integrated banks, 150M+ total customers, TL 50B daily transaction volume, 7/24 secure infrastructure
Centralized admin panel with multi-bank management, PCI DSS Level 1, 256-bit SSL, ISO 27001, and 7/24 monitoring
Payream is Turkey's most comprehensive fintech platform, unifying 18 major banks under a single POS and payment gateway infrastructure serving 150M+ cumulative banking customers. The platform processes TL 50B+ in daily transaction volume with 7/24 uptime, providing merchants with multi-gateway payment routing, intelligent failover, proprietary fraud detection with behavioral scoring, and a complete virtual POS management system.
The platform features a centralized admin panel enabling merchants to manage all 18 bank integrations from a single interface, with real-time transaction analytics, settlement reconciliation, and dispute management. The security infrastructure meets the highest industry standards: PCI DSS Level 1 compliance, 256-bit SSL banking-grade encryption, ISO 27001 information security management, and continuous 24/7 security monitoring.
Built on React 19 + Vite 6.3 frontend with an Encore.dev type-safe backend, Payream's dual revenue model -- 0.5-1.5% transaction fees plus POS SaaS subscriptions ($99-499/month) -- creates compounding revenue growth as merchant transaction volumes scale. The $45B Turkish digital payments market is growing at 30%+ annually, positioning Payream for rapid market capture.
Payream, 18 buyuk bankayi tek bir POS ve odeme gecidi altyapisinda birlestirerek 150M+ toplam bankacilik musterisine hizmet veren Turkiye'nin en kapsamli fintech platformudur. Platform, gunluk 50 milyar TL+ islem hacmi ile 7/24 calisarak, tuccarlarla coklu gecit odeme yonlendirmesi, akilli yedekleme, tescilli dolandiricilik tespiti ve tam sanal POS yonetim sistemi saglar.
Merkezi yonetim paneli, tuccarlarla tum 18 banka entegrasyonunu tek arayuzden yonetme imkani sunar: gercek zamanli islem analitigi, mutabakat ve itiraz yonetimi. Guvenlik altyapisi en yuksek endustri standartlarini karsilar: PCI DSS Seviye 1, 256-bit SSL bankacilik sinifi sifreleme, ISO 27001 ve 7/24 guvenlik izleme.
| Metric | Value |
|---|---|
| Integrated Banks | 18 major Turkish banks |
| Customer Reach | 150M+ cumulative banking customers |
| Daily Transaction Volume | TL 50B+ |
| Uptime | 7/24 (99.99% SLA) |
| Security | PCI DSS Level 1 |
| Encryption | 256-bit SSL banking-grade |
| Compliance | ISO 27001, PCI DSS, KVKK |
| Fraud Detection | Proprietary behavioral scoring |
Payream operates on a dual revenue model: Transaction fee of 0.5-1.5% per payment processed (scaled by volume), plus POS SaaS subscription tiers -- Starter at $99/month, Business at $249/month, and Enterprise at $499/month.
| Year | Active Merchants | Monthly Volume | ARR | Growth |
|---|---|---|---|---|
| Y1 | 200 | $5M | $200K | -- |
| Y2 | 800 | $25M | $800K | 300% |
| Y3 | 3,000 | $120M | $3M | 275% |
| Y4 | 8,000 | $400M | $8M | 167% |
| Y5 | 20,000 | $1.2B | $20M | 150% |
| Segment | Size |
|---|---|
| TAM (Global Digital Payments Market) | $200B+ by 2030 |
| SAM (Turkish Digital Payments Ecosystem) | $45B |
| SOM (SME POS + Payment Gateway, Turkey) | $3B |
Key Differentiators: Only platform integrating all 18 major Turkish banks under one roof. 150M+ customer reach through bank network effects. PCI DSS Level 1 (highest compliance tier). Proprietary fraud detection with behavioral scoring. Dual revenue model (transaction fees + SaaS) creates compounding growth.
| Layer | Technology |
|---|---|
| Frontend | React 19 + Vite 6.3 |
| Language | TypeScript 5.8 (strict mode) |
| Styling | Tailwind CSS 4 + tw-animate-css |
| UI Components | Radix UI (WCAG 2.1 AA) |
| Data Fetching | TanStack Query 5 |
| Charts | Recharts 2 |
| i18n | i18next 25 + react-i18next 15 |
| Backend | Encore.dev (type-safe API) |
| Testing | Vitest 3 + Playwright E2E |
| Package Manager | Bun |
| Intelligence | Proprietary fraud detection engine |
- 18-Bank Integration Moat -- Each bank integration takes 3-6 months; competitors cannot replicate this network overnight
- 150M+ Customer Reach -- Combined customer base of all integrated banks creates unmatched distribution channel
- PCI DSS Level 1 -- Highest compliance tier; only 1% of payment companies globally achieve Level 1
- Dual Revenue Model -- Transaction fees (0.5-1.5%) + SaaS subscriptions ($99-499/mo) create compounding revenue
- Proprietary Fraud Detection -- Behavioral scoring engine with velocity checks and rule-based risk assessment
graph TD
subgraph "Merchant Interface"
A[Merchant Dashboard] --> B[POS Management]
A --> C[Transaction Analytics]
A --> D[Settlement Reports]
end
subgraph "Payment Processing"
E[Payment Request] --> F[Intelligent Router]
F --> G[Bank 1-6]
F --> H[Bank 7-12]
F --> I[Bank 13-18]
end
subgraph "Security Layer"
F --> J[Fraud Detection Engine]
J --> K[Behavioral Scoring]
J --> L[Velocity Checks]
J --> M[3D Secure / SCA]
end
subgraph "Infrastructure"
N[256-bit SSL] --- F
O[PCI DSS Level 1] --- F
P[ISO 27001] --- F
Q[7/24 Monitoring] --- F
end
subgraph "Settlement"
G --> R[Reconciliation Engine]
H --> R
I --> R
R --> S[Merchant Payout]
end
Payream provides unified access to Turkey's complete banking ecosystem:
| Category | Banks |
|---|---|
| State Banks | Ziraat Bankasi, Halkbank, Vakifbank |
| Private Banks | Garanti BBVA, Is Bankasi, Akbank, Yapi Kredi |
| Participation | Kuveyt Turk, Turkiye Finans, Albaraka Turk |
| Digital | ENPARA, Papara, Tosla |
| International | HSBC Turkey, ING Turkey, QNB Finansbank |
| Others | Denizbank, TEB, Sekerbank |
# Clone the repository
git clone https://github.com/lydianai/Payream.git
cd Payream
# Install dependencies
bun install
# Configure environment
cp .env.example .env
# Set gateway credentials and API keys
# Start backend (Encore.dev)
encore run
# Start frontend (in another terminal)
cd frontend && bun dev| Standard | Implementation |
|---|---|
| PCI DSS Level 1 | Highest payment security certification |
| 256-bit SSL | Banking-grade encryption for all data |
| ISO 27001 | Information security management system |
| KVKK | Turkish personal data protection law |
| 3D Secure | Strong Customer Authentication (SCA) |
| Tokenization | No raw card (PAN) data stored |
| TLS 1.3 | All API communications encrypted |
| 7/24 Monitoring | Continuous security operations center |
| OWASP Top 10 | Full mitigation applied |
| info@ailydian.com | |
| ailydian@ailydian.com | |
| Web | https://ailydian.com |
| Platform | https://payream.com |
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This software is proprietary and confidential. Unauthorized copying, distribution, or modification is strictly prohibited.