TEN
PROVIDERS.
ONE CONTRACT.
ZERO EXCUSES.

import Iyzipay from "iyzipay";
const iyzico = new Iyzipay({
  apiKey:    process.env.IYZICO_API_KEY,
  secretKey: process.env.IYZICO_SECRET,
  uri:       "https://sandbox-api.iyzipay.com",
});

iyzico.threedsInitialize.create({
  locale: "tr", price: "100",
  paidPrice: "100", currency: "TRY",
  paymentCard: { ... }, buyer: { ... },
  // 18 more required fields...
}, (err, res) => { /* callback hell */ });

// Form-encoded POST. No SDK.
const merchantId   = process.env.PAYTR_ID;
const merchantKey  = process.env.PAYTR_KEY;
const merchantSalt = process.env.PAYTR_SALT;

const hashStr = merchantId + userIp + orderId
  + email + amount + basket + noInstall
  + maxInstall + currency + testMode
  + merchantSalt;

const token = crypto.createHmac("sha256",
  merchantKey).update(hashStr).digest("base64");

await axios.post("/get-token", qs.stringify({
  merchant_id: merchantId, paytr_token: token, ...
}));

import Stripe from "stripe";
const stripe = new Stripe(process.env.STRIPE_SK!, {
  apiVersion: "2024-06-20",
});

const intent = await stripe.paymentIntents.create({
  amount: 4999,            // CENTS, not dollars
  currency: "usd",         // lowercase
  payment_method_types: ["card"],
  confirmation_method: "manual",
  capture_method: "automatic",
  // 3DS via next_action.use_stripe_sdk on client
});

// Webhook signature verification needed.

// OAuth2 + HMAC-SHA512 hash
const tokenRes = await axios.post(`${BASE}/auth`, {
  client_id: MERCHANT_ID,
  client_secret: STORE_KEY,
  grant_type: "client_credentials",
});

const accessToken = tokenRes.data.access_token;

const payload = { ...txn, terminal: TERMINAL_ID };
const hashStr = JSON.stringify(payload) + STORE_KEY;
const hash = crypto.createHmac("sha512", STORE_KEY)
  .update(hashStr).digest("hex");

await axios.post(`${BASE}/transaction/process`,
  { ...payload, hash },
  { headers: { Authorization: `Bearer ${accessToken}` } });