AMP • EN
Payment Institution Platforms - Detaylı rehber
Digital payment systems and e-money institutions are one of the fastest-growing areas in the fintech sector. In this guide, we will examine in detail the process of setting up payment institution and e-money platforms.
Board of Directors (min. 3 members)
├── General Manager
├── Finance Director
├── Technology Director
├── Compliance and Risk Management Director
└── Customer Services Director
✅ Company articles of association
✅ Trade registry gazette
✅ Capital commitment document
✅ Business plan (5 years)
✅ Risk management policies
✅ AML/CFT procedures
✅ Information security policies
✅ Disaster recovery plan
# Simplified Core Banking Architecture
class CoreBankingSystem:
def __init__(self):
self.accounts = {}
self.transactions = []
def create_account(self, user_id, account_type):
"""Create new account"""
account = {
'id': generate_account_id(),
'user_id': user_id,
'type': account_type,
'balance': 0,
'currency': 'TRY',
'status': 'active',
'created_at': datetime.now()
}
self.accounts[account['id']] = account
return account
def transfer(self, from_account, to_account, amount):
"""Money transfer"""
# Balance check
if self.accounts[from_account]['balance'] < amount:
raise InsufficientFundsError()
# Execute transaction
self.accounts[from_account]['balance'] -= amount
self.accounts[to_account]['balance'] += amount
# Transaction record
transaction = {
'id': generate_transaction_id(),
'from': from_account,
'to': to_account,
'amount': amount,
'timestamp': datetime.now(),
'status': 'completed'
}
self.transactions.append(transaction)
# Notification to TCMB
self.report_to_tcmb(transaction)
return transaction
// FAST API Integration
const fastTransfer = async (data) => {
const payload = {
senderIBAN: data.senderIBAN,
receiverIBAN: data.receiverIBAN,
amount: data.amount,
description: data.description,
timestamp: new Date().toISOString()
};
// Request to TCMB FAST system
const response = await axios.post(
'https://fast.tcmb.gov.tr/api/transfer',
payload,
{
headers: {
'Authorization': `Bearer ${FAST_API_KEY}`,
'Content-Type': 'application/json'
}
}
);
return response.data;
};
✅ Instant money transfer
✅ Payment via QR code
✅ Bill payment
✅ Mobile top-up
✅ Virtual card
✅ Physical prepaid card
✅ Payment link creation
✅ Virtual POS
✅ Physical POS
✅ Bulk payment
✅ Reporting
✅ API integration
✅ User management
✅ Transaction tracking
✅ Risk management
✅ MASAK notifications
✅ Financial reports
✅ Compliance checks
Money Transfer: 0.5% - 2%
POS Transactions: 1.5% - 3%
Foreign Currency Transactions: 2% - 4%
|------|----------| | Capital (TCMB Requirement) | 5,000,000 | | Software Development | 2,000,000 - 5,000,000 | | License & Consulting | 500,000 - 1,000,000 | | Server & Infrastructure | 200,000 - 500,000 | | PCI DSS Certification | 100,000 - 300,000 | | Office & Equipment | 300,000 - 1,000,000 | | TOTAL | 8,100,000 - 12,800,000 |
❌ High Initial Cost: Minimum 8-10 million TL
❌ Long License Process: 10-20 months
❌ Complex Regulations: TCMB, MASAK, GDPR
❌ Strong Competition: Banks and established fintechs
❌ Technical Complexity: Core banking, security, integrations
As Cesa Software, we offer turnkey payment institution and e-money platform solutions:
✅ Core Banking System
✅ Digital wallet (iOS & Android)
✅ Merchant portal
✅ Admin panel
✅ BKM/FAST integration
✅ MASAK notification system
✅ PCI DSS compliant infrastructure
✅ TCMB license consulting
✅ 24/7 technical support
📞 Phone: +90 850 225 53 34
📧 Email: iletisim@cesayazilim.com
🌐 Web: https://cesayazilim.com
Setting up a payment institution or e-money institution is a process that offers great opportunities in the fintech sector but requires significant capital and technical knowledge. With the right team, sufficient capital, and strategic planning, you can establish a successful platform.
Important: Before applying for a license, be sure to have a preliminary meeting with TCMB and get professional consulting.
Tags: #PaymentInstitution #EMoney #Fintech #TCMB #DigitalBanking #PaymentSystems