What Mokka does

Mokka, legally REVO TECHNOLOGIES I.F.N. S.A., is a mobile-first Buy Now Pay Later (BNPL) fintech founded in 2012 and headquartered in Bucharest, Romania. It operates a point-of-sale installment credit platform across Central and Eastern Europe, currently serving consumers and merchants in Romania, Poland, and Bulgaria. The core product allows shoppers to split purchases of up to 24 months into installments, with the first payment deferred by 30 days and promotional 0% interest periods available on selected merchant offers.

The technology stack centers on the Mokka App for consumer-facing installment purchases, a Partner Portal that integrates BNPL at the merchant point of sale, an Installment Payment Solution that sits behind partner checkout flows, and the newer Mokka Card, a reusable credit instrument that extends the installment mechanic beyond individual partner merchants. As a licensed non-bank financial institution (I.F.N. S.A.), Mokka originates the consumer credit on its own balance sheet rather than acting purely as a marketplace, which differentiates it from card-network BNPL overlays.

The business model is a B2B2C merchant-funded model: Mokka earns transaction fees from retail partners when consumers use the BNPL product at checkout, supplemented by interest on longer-tenor installment plans beyond the promotional 0% window. Distribution is anchored by a regional retail partner network that includes Otter, Aldo, Tezyo, Gryxx, Romstal, and F64, spanning footwear, electronics, home improvement, and DIY verticals. The company is backed by emerging-markets investors Baring Vostok Capital Partners, VEF, and Castel Capital, which together have deployed approximately $27 million across funding rounds from 2015 through 2018.

Name

Mokka

Legal name

REVO TECHNOLOGIES I.F.N. S.A.

Website

https://mokka.pl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Mokka is a mobile-first Buy Now Pay Later fintech operating in Romania, Poland, and Bulgaria, offering installment credit to consumers at retail checkouts through its app, partner portal, and Mokka Card, and earning merchant transaction fees across a regional retail partner network.

Ownership category

akta.pro rank

Product category

Buy Now Pay Later (BNPL) Consumer Lending

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Finance Lessors (6172), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Merchant-Integrated BNPL (Online Checkout) (FSAKACAA)

akta.pro secondary industry

BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)

Keywords

• Buy now pay later
• Consumer installment lending
• Point of sale financing
• Mobile payment solutions
• Retail credit services

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Merchant Transaction Fees: Mokka charges partner merchants a fee for processing installment transactions, generating revenue from the transaction volume across partner retail networks
2. 0% Installment Financing: Interest-free installment campaigns promoted with partner stores, where revenue is generated through merchant partnerships rather than consumer interest charges

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Mokka is a Buy Now Pay Later (BNPL) platform that provides consumers with instant credit access for purchases in equal installments without down payment or hidden fees. Operating through a mobile app, physical Mokka Card, and a network of partner retail merchants across Romania, Poland, and Bulgaria, the service offers repayment periods of up to 24 months with the first payment deferred 30 days after purchase. Revenue is generated through merchant transaction fees on installment transactions processed across the partner network.

Product overview

Mokka is a buy-now-pay-later (BNPL) platform that operates as a single unified product ecosystem consisting of the Mokka mobile application, the Mokka Card for universal purchases, and a Partner Portal for merchant integration. The platform enables customers to make purchases in equal installments without down payment or hidden fees, with repayment periods of up to 24 months. The core offering combines instant credit access, installment payment processing, and cash withdrawal capabilities into one integrated service.

Differentiator

Problem solved

Functional benefit

Products and services

• Mokka App Mobile application that allows users to access their Mokka advance limit, manage payments, view purchase history, and make installment payments at partner stores. Designed for individual consumers in Romania, Poland, and Bulgaria seeking flexible payment options for retail purchases.
• Mokka Card A payment card that enables users to make purchases anywhere and access their Mokka advance balance, including cash withdrawals and gift transfers to any bank card. Extends the BNPL advance beyond the partner merchant network to any card-accepting retailer.
• Installment Payment Solution (BNPL Service) Buy-now-pay-later service allowing customers to make purchases in equal installments without down payment or hidden fees, with repayment periods up to 24 months. Available at partner merchants across fashion, electronics, home and garden, auto-moto, health and beauty, and other retail categories in Romania, Poland, and Bulgaria.
• Mokka Partner Portal Online portal for merchants to register, manage their Mokka payment integration, view transaction statistics, access marketing communications, and obtain sales growth recommendations. Designed for retail merchants seeking to offer installment payment options to customers.

Quantifiable outcome

• Registration completes in minutes with instant credit limit determination

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered minor.

• OtterminorChannel Partner/ Reseller/ DistributorFashion retailer partner offering 0% installment payments through Mokka at their stores.
• AldominorChannel Partner/ Reseller/ DistributorFashion footwear retailer partner offering Mokka payment installments to customers.
• TezyominorChannel Partner/ Reseller/ DistributorFashion accessories retailer offering 0% interest installments through Mokka.
• GryxxminorChannel Partner/ Reseller/ DistributorFashion retailer partner providing Mokka installment payment options.
• RomstalminorChannel Partner/ Reseller/ DistributorHome and garden equipment retailer offering Mokka payment installments.
• F64minorChannel Partner/ Reseller/ DistributorPhoto and video equipment retailer partner offering 0% installment payments.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Twisto: Twisto is a CEE-native BNPL provider operating across Poland and the Czech Republic with both online checkout and card products. It is the closest direct competitor to Mokka in the Polish market and shares an almost identical product surface (app + card + merchant installments).
• PayPo: PayPo is a Polish BNPL provider focused on online merchant checkout, similar in core offering to Mokka's installment solution. It is a directly comparable local rival for Mokka's Polish merchant portfolio and similar SMB target segment.

Broad incumbents

• Klarna: Klarna is the global BNPL incumbent with broad merchant coverage, a banking license in several EU markets, and an open-loop card. It competes with Mokka for the same European merchant relationships but operates at vastly larger scale and offers a much wider product portfolio.
• Affirm: Affirm is a US-listed BNPL and consumer credit provider with installment and card products. It is a broad incumbent comparable to Mokka on product mechanics (online installment + card), although its primary market is North America.
• Afterpay (Block): Afterpay, owned by Block, pioneered the four-pay BNPL model and now extends into longer-term installments and card products. It is comparable to Mokka on installment mechanics and target merchant verticals, though global rather than CEE-focused.

Regional players

• Scalapay: Scalapay is a BNPL provider focused on Italy and Southern Europe with both merchant checkout and consumer wallet products. It is a regional peer with a similar app + partner-store architecture but does not directly compete in Mokka's CEE footprint.
• Alma: Alma is a French BNPL provider offering installments at online and in-store merchants, recently expanding into other European markets. Comparable to Mokka on product surface (installments, merchant integration), though primarily French in geographic focus.
• Riverty: Riverty (formerly part of Bertelsmann's Arvato Financial Solutions) is a German/DACH BNPL provider with merchant installment and billing solutions. It is a comparable European BNPL incumbent with similar merchant-integrated installments, though focused on DACH rather than CEE.

Emerging players

• Tabby: Tabby is a fast-growing BNPL provider in MENA with both online and in-store installment products and a consumer app. It is comparable to Mokka on the consumer-app-first BNPL model and merchant coverage breadth, although focused on a different region.
• Atome: Atome is an Asia-Pacific BNPL provider offering merchant installments plus a consumer wallet/card across Singapore, Hong Kong, Indonesia, and other APAC markets. It is comparable to Mokka on the app + card + merchant-installment stack, but operates exclusively in APAC.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mokka