Taking a leading role in the development of financial technologies in Turkey, Pay N Kolay directs the sector's transformation with the digital solutions it offers to individuals and SMEs. It is a brand of N Kolay Payment and Electronic Money Institution, whose foundations were laid in 2007 and which has been operating under the umbrella of Aktif Bank since 2013.
Offering digital payment systems to thousands of businesses with its comprehensive product portfolio, such as Virtual POS, Physical POS, CepnPOS (Mobile POS), and Payment via Link, Pay N Kolay stands out with the fast and secure solutions it provides, especially in the fields of e-commerce and in-store payments. Having the privilege of being one of the few companies in the sector with Android POS and New Generation Cash Register (ÖKC) solutions, the organization provides services in sectors such as retail, textiles, and furniture, thanks to its integrated infrastructure with 18 different cash register systems.
Operating with nearly 600 transaction centers, over 3,000 workplaces, and a total of more than 15,000 physical service points across Turkey as of May 2025, Pay N Kolay provides payment solutions to over 7 million individual users and thousands of commercial enterprises every month. Haluk Yum emphasizes that they provide great convenience to businesses with their user-friendly interface, fast transaction infrastructure, low commission rates, and 24/7 customer support.
Pay N Kolay General Manager Haluk Yum spoke to Business World Global about the competition in the fintech ecosystem, the integration of technology into corporate strategies, and his understanding of leadership for long-term success.
"We managed to be one of the first in the sector"
Haluk Yum summarizes Pay N Kolay's journey from its foundation to the present day as follows:
"We set out in 2007 with the aim of facilitating the access of individuals and SMEs to the financial system. By becoming a subsidiary of Aktif Bank in 2013, we increased our technology investments and gained a more agile and innovative structure. Today, with our Pay N Kolay brand, we serve individuals and businesses at more than 15 thousand physical points across Turkey. We experience the justifiable pride of being one of the first and leading players in the fintech ecosystem."
Digital Payment Solutions Suitable for Businesses of All Sizes
With products such as Virtual POS, Android POS, New Generation Cash Register (ÖKC) solutions, mobile payment applications, and payment via link, Pay N Kolay appeals to a wide range of businesses, from e-commerce platforms to small tradesmen, and from chain stores to neighborhood grocery stores. Yum states that behind this diversity lies a trust in technology and a user-oriented design approach:
"With our infrastructure that can be integrated into 18 different cash register systems, we provide services in many areas, particularly in the textile, furniture, and retail sectors. We allow businesses to manage all their financial operations from a single platform. Our goal is to increase their efficiency by offering solutions tailored to the scale of each business."
"Technology is no longer just a tool, but the culture itself"
Expressing that intense competition in the sector makes investments in technology inevitable, Yum says that innovation should become a fundamental part of the corporate culture, not just product development:
"With our artificial intelligence-based monitoring and fraud tracking systems, we ensure the security of transactions instantaneously. We aim to offer customers not just a payment solution, but a holistic user experience. For us, technology has become a strategic advantage beyond operational efficiency."
Service at 15 Thousand Points, 7 Million Monthly Users
Pay N Kolay actively serves at over 15,000 physical points in total, with nearly 600 transaction centers and more than 3,000 workplaces across Turkey. The company's platform provides solutions to over 7 million individual users and thousands of businesses every month.
"We particularly care about SMEs receiving quality service with low commissions. We reflect these advantages in our daily operations with flexible working conditions, 24/7 accessible customer service, and user-friendly interfaces."