12–18 month installments
Gets past the bank MCC barrier; 12 months for individuals, 18 for businesses. Any card brand.
CBRT-licensed payment & escrow platform for car dealerships.
As a car dealership payment system, OtoWos gets past the bank MCC barrier and offers 12–18 month installments; with escrow-secured collection, third-party cards and zero chargebacks, it never leaves a sale at the door. No membership fees, T+1 settlement and full compliance with a legal digital archive.
MEET THE PRODUCT
What is OtoWos?
OtoWos is a CBRT-licensed payment and collection system for car dealerships. For vehicle sales it offers 12-18 month installment payments, escrow-secured collection, payment with a third party’s card and chargeback protection. The seller is paid at T+1, and transactions are kept in a legal digital archive.
HOW IT WORKS
OtoWos step by step.
- 01
Apply
Dealership applications are approved the same day; the virtual POS goes live immediately.
- 02
Link / collect
Send a link remotely via WhatsApp; collect with split payments or a third-party card.
- 03
Escrow + notary
Funds stay safe in the escrow pool; notary documents are filed in the digital archive.
- 04
T+1 settlement
Transferred directly to your dealership account the next day, with no value-date delay.
WHAT IT DOESKey
Request a demo Key
capabilities.
No membership fees
No hidden charges or monthly fees; a transparent commission structure.
Escrow collection
Funds go directly to the dealership account; an escrow-secured collection model.
Third-party & split cards
Split across two or more cards; legally secured with an assignment deed.
Zero chargebacks
OTP, voice confirmation and digital signature reduce dispute risk to zero.
Legal digital archive
Notary, invoice and confirmation records are stored ready for any investigation.
Remote payment link
Collect via WhatsApp without the customer visiting the dealership; they pay from anywhere.
CBRT · BDDK · Revenue Administration integration
Full integration with official authorities; compliant with MERSİS, e-Government, notary and police systems.
Let’s talk about how it adapts to your business.
Let’s evaluate the user structure, integration needs and, if any, options to adapt it to your brand.
QUESTIONS ON YOUR MIND
Before we start.
How many months of installments does OtoWos offer?+
Installment payments of up to 12 months for individual buyers and up to 18 months for business buyers. There are no membership fees or hidden charges.
How does escrow-secured collection work?+
The amount paid by the buyer does not go directly to the seller; it is held in escrow until the transaction conditions are met, then released. This structure protects both the buyer and the seller.
Is there a chargeback risk?+
OtoWos offers zero-chargeback protection. The collection risk arising from a payment dispute does not remain with the seller.
When is the seller paid?+
Payment is made at T+1, that is, the next day. The time between the sale and the funds reaching the seller is kept short.
Is payment with a third party’s card possible?+
Yes. OtoWos supports third-party card and split-card payments; the vehicle price can be split across multiple cards. The remote payment link can be sent via WhatsApp.
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