Is India your home market? Thinking of expanding into APAC from overseas? Selling here isn’t always simple.
Choose a Merchant of Record like Paddle, and you can offer your customers the payment methods they expect, get more payments approved, and stay on top of India's tax and compliance requirements.
In this guide, we’ll cover:
- How to improve checkout conversion in India
- Why your payment acceptance in India is lower than you’d expect
- The tax and compliance requirements of selling in India
- Ways to optimize revenue as you scale
- How Paddle helps you grow.
Improve checkout conversion with Turkish payment methods
Cards are popular in Turkey, so accepting them at checkout is a good start. But it isn’t enough to win the sale.
Customers also expect a checkout experience that feels local, including prices in Turkish Lira (TRY). Why show prices in the currency they’re used to? Well, it can reduce friction, build trust, and make it more likely that they’ll complete the purchase.
Payment localization in numbers
- Turkish customers spent $420 billion on cards in 2024, up 86% year on year
- 20% of customers abandon checkout if their preferred payment method isn't available
- Adding local payment methods and currency together can lift checkout conversion by up to 51%.
The right price can make all the difference
Did you know that customers in Turkey often expect lower prices than those in Western markets? Companies typically see 25-50% higher growth rates when pricing reflects that.
See how Paddle can help you sell in and out of Turkey
Payments still failing? Here’s why
You’ve localized your checkout? That’s great! But you might still see more failed payments than you’d expect.
Full disclosure: It’s probably not because your customers don’t want to pay. More often, it’s down to something small:a card expiring, a temporary network issue, or because the payment service provider (PSP) doesn’t perform well in that market.
Did you know?
In 80-90% of cases, a payment failure occurs because of a soft decline, not because your customer doesn’t want to pay.
Most digital software businesses rely on just one PSP. But here’s the thing: No single PSP performs consistently everywhere. A payment Stripe declines in Turkey may well be approved by another provider.
Paddle uses multi-PSP routing to retry soft declines in the background. That means you get more of your payments approved, across every market.
Istanbul-based Codeway recovered nearly $500,000 in failed payments by using Paddle’s intelligent cancellation flows, and automated retry and recovery.
These recoveries have directly contributed to profitability without compromising on user experience.”
Adem Yavuz Yılmaz, Lead Product Manager, Codeway
Selling internationally should open doors – not create a maze of new processes
Don’t forget: If you’re selling into Turkey, you need to navigate the local regulatory and payments infrastructure.
“Turkey has strict banking regulations. We had initially wanted to use Stripe, but it didn’t support Turkish companies, so we had to use a local payment provider instead.” Amirali Nurmagomedov, Co-Founder, kovan studio
There’s also ongoing requirements around tax, invoicing, refunds, disputes, and chargebacks. All of which can distract you from building and selling your product.
A Merchant of Record like Paddle takes the complexity off your plate. We handle payments, tax and compliance, so you can focus on growth.
Imagine going viral in a different country, but you can't monetize because you're using Stripe, that was the situation we found ourselves in. We had amazing international traffic, but we couldn't monetize because of how difficult compliance became.”
Nikolas Adjan, Co founder of Hesse.ai
Ready to sell beyond Turkey? Don’t let complexity slow you down
If you’re based in Turkey and starting to sell internationally, payments can get complicated pretty quickly.
You might need different PSPs, separate billing systems, and a way to keep up with the tax and compliance requirements of each new market you enter. The more markets you add, the harder it becomes to keep track of everything.
“While we were able to scale our customer support team, we didn’t have the necessary specialist knowledge that was required. It was a drain on our time and resources and was becoming a real headache.”
Kaan Ortabas, co-founder, HubX
A Merchant of Record like Paddle removes that friction, handling everything on your behalf.
Launch App2Web flows in the US, without building everything yourself
Want to sell into the US from Turkey? For years, selling through the App Store meant giving up 15-30% of every transaction to cover payments, tax, billing, and fraud.
That’s changing. Court rulings and new regulations now allow apps to direct US-based users to external checkouts. A web-based Merchant of Record model typically costs around 5–6% all in.That’s a fraction of the App Store's 15–30%.
App2Web in practice
When Turkey-based HubX used Paddle to monetize on the web, they transformed their business in a few days:
- No more App Store fees
- Increased payment acceptance
- $106,000 recovered in 72 days.
Go global with Paddle
Paddle gives you everything you need to sell into and out of Turkey from day one – without the complexity of running multiple tools.
With Paddle, you can:
- Localize your checkout for customers in Turkey and beyond: Paddle supports over 30 global and local payment methods, which dynamically adapt based on where your customer lives.
- Give more payments a chance to succeed: Paddle uses multi-PSP routing, smart dunning, tactical retries, and fraud screening to give payments the best chance of success.
- Offload the burden of sales tax and regulatory compliance: Paddle’s Merchant of Record (MoR) model means sales tax and regulatory compliance are handled as part of the same relationship, across more than 205 countries.
- Launch App-to-Web flows with confidence: Paddle partnered with Helium to help businesses selling from India into the US launch App-to-Web flows simply and easily. By combining AI-native paywall optimization with a fully integrated Merchant of Record, mobile sellers can move more revenue to the web with confidence and protect conversion.
- Experiment with region-specific pricing based on local willingness-to-pay: Get the insight you need to optimize pricing across different regions, plus the tools to test subscription tiers and pricing changes with confidence.
- See everything in one place, wherever you're selling: Paddle replaces the multiple PSPs, billing systems and compliance processes you’d otherwise need per market with one system.
- Benefit from deep industry expertise and dedicated support: Paddle has helped more than 10,000 digital product businesses, processing more than 190 million transactions - with support available 24/7.
Talk to us about Turkey and beyond
FAQs
What is a Merchant of Record?
A Merchant of Record (MoR) is the legal entity responsible for selling a product to the end customer. It takes on payments, tax collection, compliance, refunds, and chargebacks on your behalf, rather than you managing each of those separately yourself.
Do I need a Turkish entity to accept payments? Not necessarily. Turkey's payments ecosystem is regulated under Law No. 6493, and only CBRT-licensed institutions can provide regulated payment services directly. A Merchant of Record can handle this on your behalf without you needing to establish and license a local entity yourself.
Does Stripe work in Turkey?
Yes, Stripe is fully available in Turkey. However, Stripe's payment acceptance rate in Turkey is often lower than expected since it is a single PSP.
