---
title: Epara Product Glossary
description: Turkish, English, and Arabic dictionary for payment, checkout, ledger, merchant, provider, risk, and API terms.
---

# Epara Product Glossary

The English column is the canonical technical term. Use it in code, APIs, database tables, events, and architecture documents. Turkish and Arabic labels are for commercial, support, training, and localized operation contexts.

## Actors

| English | Türkçe | العربية | Meaning |
| --- | --- | --- | --- |
| Payment Gateway Platform | Ödeme geçidi platformu | منصة بوابة الدفع | Core infrastructure that lets merchants accept digital payments. |
| Consumer | Ödeme yapan kişi | مستهلك | Person paying through checkout, mobile app, QR, code, card, or wallet. |
| Guest Payer | Misafir ödeme yapan | دافع ضيف | Payer who completes checkout without opening a consumer account. |
| Merchant | İşletme | تاجر | Business receiving money through Epara. |
| Merchant Member | İşletme üyesi | عضو التاجر | User attached to a merchant account with specific permissions. |
| Operator | Operasyon kullanıcısı | مشغّل | Epara internal user managing onboarding, risk, payout, support, or reconciliation. |
| Privileged Operator | Yetkili operasyon kullanıcısı | مشغّل بصلاحيات عالية | Operator allowed to approve sensitive actions. |
| Auditor | Denetçi | مدقق | Read-only user reviewing audit, ledger, and compliance evidence. |
| Agent | Yardımlı hizmet noktası | وكيل | Assisted physical or service point for cash-in, cash-out, onboarding, or support. |

## Payment and checkout

| English | Türkçe | العربية | Meaning |
| --- | --- | --- | --- |
| Payment | Ödeme | دفعة | Business-level record for money being paid to a merchant. |
| Payment Attempt | Ödeme denemesi | محاولة دفع | A single attempt to authorize, capture, or process a payment. |
| Payment Method | Ödeme yöntemi | طريقة دفع | Card, wallet, local method, QR, or code used by the payer. |
| Card Payment | Kartlı ödeme | دفع بالبطاقة | Payment made by card. Epara never stores raw PAN or CVV. |
| Local Payment Method | Yerel ödeme yöntemi | طريقة دفع محلية | Local bank, wallet, or payment network method for Iraq. |
| Saved Payment Method | Kayıtlı ödeme yöntemi | طريقة دفع محفوظة | Reusable provider-tokenized payment method. |
| Hosted Checkout | Platformda barındırılan checkout | إتمام دفع مستضاف | Epara-hosted responsive checkout page. |
| Checkout Session | Checkout oturumu | جلسة إتمام الدفع | Short-lived payment session for a payment, link, service, or code. |
| Payment Link | Ödeme linki | رابط دفع | Merchant-shareable URL for collecting payment. |
| Fixed Payment Link | Sabit tutarlı ödeme linki | رابط دفع ثابت | Link with merchant-defined fixed amount. |
| Open Payment Link | Açık tutarlı ödeme linki | رابط دفع مفتوح | Link where payer enters the amount during checkout. |
| Code Payment | Kod ile ödeme | دفع بالرمز | Payment started or completed by QR or short code. |
| Authorization | Provizyon | تفويض | Temporary approval or reserve before final capture. |
| Capture | Ödemeyi kesinleştirme | تحصيل نهائي | Finalizes payment and creates ledger-impacting movement. |
| Hold | Geçici blokaj | حجز مؤقت | Temporary reservation or block on money or capability. |
| Refund | İade | استرداد | Returns all or part of a successful payment to the payer. |
| Chargeback | Kart itirazı | اعتراض واسترداد عبر البطاقة | Card-network dispute that can reverse a previously successful payment. |
| Receipt | Makbuz | إيصال | Immutable proof of a final payment result. |

## Merchant money

| English | Türkçe | العربية | Meaning |
| --- | --- | --- | --- |
| Merchant Balance | Merchant bakiyesi | رصيد التاجر | Net funds collected by merchant and not yet paid out. |
| Available Balance | Kullanılabilir bakiye | الرصيد المتاح | Funds eligible for payout, refund, or supported use. |
| Pending Balance | Bekleyen bakiye | رصيد معلق | Funds waiting for provider, risk, or settlement confirmation. |
| Payout | Merchant'a para aktarımı | تحويل مستحقات التاجر | Transfer from Merchant Balance to an external bank or wallet destination. |
| Payout Destination | Payout hedefi | وجهة تحويل المستحقات | Approved bank, wallet, or transfer target for merchant payout. |
| Payout Schedule | Payout takvimi | جدول تحويل المستحقات | Rule that decides when eligible balance is paid out. |
| Payout Reserve | Payout rezervi | احتياطي التحويل | Funds held for refunds, chargebacks, risk, disputes, or exposure. |
| Merchant Debt | Merchant borcu | مديونية التاجر | Amount merchant owes the platform due to chargeback, adjustment, or reconciliation issue. |
| Platform Fee | Platform ücreti | رسوم المنصة | Epara revenue from a transaction or service. |
| Pricing Policy | Fiyatlandırma politikası | سياسة التسعير | Versioned policy controlling fees, spreads, reserves, and price behavior. |

## Ledger and finance

| English | Türkçe | العربية | Meaning |
| --- | --- | --- | --- |
| Ledger | Finansal defter | دفتر الأستاذ | Source of truth for final money movements. |
| Ledger Movement | Ledger hareketi | حركة دفتر الأستاذ | Business-level money movement such as capture, refund, payout, or conversion. |
| Ledger Entry | Ledger kayıt grubu | قيد دفتر الأستاذ | Group of debit and credit postings for a movement. |
| Ledger Posting | Borç/alacak satırı | سطر قيد مدين أو دائن | Single debit or credit line in double-entry accounting. |
| Balance Projection | Bakiye projeksiyonu | إسقاط الرصيد | Current and available balances derived from Ledger. |
| Reconciliation | Mutabakat | مطابقة مالية | Matching platform records against provider, bank, or network files. |
| Reconciliation Difference | Mutabakat farkı | فرق مطابقة | Difference that must be investigated or corrected through controlled flow. |
| Financial Report | Finansal rapor | تقرير مالي | Volume, fee, payout, settlement, reserve, and reconciliation reporting. |
| Audit Trail | Denetim izi | سجل التدقيق | Evidence chain for who did what, when, why, and with which permission. |
| Idempotency Key | Tekrar önleme anahtarı | مفتاح منع التكرار | Key that prevents duplicate money movement during retries. |

## Risk, compliance, and security

| English | Türkçe | العربية | Meaning |
| --- | --- | --- | --- |
| KYC | Consumer kimlik doğrulama | اعرف عميلك | Consumer identity verification. |
| KYB | Merchant işletme doğrulama | اعرف نشاطك التجاري | Business and ownership verification for merchant. |
| Verification Policy | Doğrulama politikası | سياسة التحقق | Rules deciding required verification for a capability or money movement. |
| Limit Policy | Finansal limit politikası | سياسة الحدود | Amount, count, and velocity limits. |
| Rate Limit | Teknik istek limiti | حد معدل الطلبات | Technical request throttle by credential, actor, device, IP, or endpoint. |
| Risk Review | Risk incelemesi | مراجعة مخاطر | Manual or automated review of account, payment, provider, or behavior risk. |
| Risk Decision | Risk kararı | قرار مخاطر | allow, monitor, review, hold, or block outcome. |
| Risk Hold | Risk blokajı | حجز بسبب المخاطر | Temporary hold on funds or capability while risk is reviewed. |
| Security Event | Güvenlik olayı | حدث أمني | Authentication, credential, device, or sensitive-action event. |
| Step-up Verification | Ek doğrulama | تحقق إضافي | Additional challenge before a sensitive action. |
| Maker-checker | Talep eden ve onaylayan ayrımı | مبدأ الصانع والمدقق | Control requiring separate requester and approver for sensitive work. |

## API and integration

| English | Türkçe | العربية | Meaning |
| --- | --- | --- | --- |
| Merchant API | Merchant API | واجهة API للتاجر | Server API for merchant payments, refunds, links, payouts, webhooks, and reports. |
| API Credential | API kimlik bilgisi | بيانات اعتماد API | Key and secret pair used for Merchant API access. |
| API Signature | API imzası | توقيع API | HMAC signature proving request authenticity and integrity. |
| API Version | API versiyonu | إصدار API | Versioned merchant integration contract. |
| Webhook | Webhook bildirimi | ويب هوك | Event notification sent from Epara to merchant system. |
| Webhook Endpoint | Webhook hedefi | نقطة Webhook | Merchant URL that receives subscribed events. |
| Webhook Event | Webhook olayı | حدث Webhook | Immutable event payload to deliver to merchant. |
| Webhook Delivery | Webhook teslim denemesi | تسليم Webhook | Signed attempt to deliver an event. |
| Provider | Ödeme provider'ı | مزوّد دفع | Bank, wallet, acquirer, or local payment network. |
| Provider Route Decision | Provider rota kararı | قرار توجيه المزوّد | Durable record of which provider was chosen and why. |