Puan Harca

What Puan Harca does

Puan Harca is a Turkish mobile-first fintech that operates a loyalty point aggregation platform serving retail consumers in Turkey. The company consolidates credit card reward points issued by multiple Turkish banks into a unified balance branded as TikoPuan, which users can then redeem through the platform's marketplace (Puan Harca Market) for goods, services, or campaign-specific rewards. The product is centered on the Puan Harca mobile application and is supplemented by several feature modules: Kampanya Bulucu (Campaign Finder) for discovering bank reward campaigns, Kampanya Puanları (Campaign Points) for tracking campaign-specific rewards, and Kurumsal Çözümler (Corporate Solutions) for B2B use cases.

The platform's technical footprint includes a payments integration with partner Mokaunited and a notable partnership with Belbim, the operator of the İstanbulkart public transportation card, which extends TikoPuan redemption into Istanbul's transit system. Puan Harca reports a user base of more than 400,000 with a team of approximately 10 employees and is headquartered in Şişli, Istanbul. The legal entity is Puan Harca Bilgi Teknolojileri Pazarlama Ve Ticaret Anonim Şirketi.

The business model is a hybrid of (a) marketplace commissions, where Puan Harca earns a markup on goods and services redeemed through Puan Harca Market, and (b) bank partnership economics, where issuing banks pay for user acquisition, engagement, and point-flow routing that Puan Harca intermediates. No external funding rounds have been disclosed, suggesting a bootstrapped operating posture. The company operates exclusively within Turkey, with no evidence of geographic expansion or institutional capital.

Name

Puan Harca

Legal name

Puan Harca Bilgi Teknolojileri Pazarlama Ve Ticaret Anonim Şirketi

Website

https://puanharca.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Puan Harca is a Turkish mobile fintech that aggregates credit card reward points from multiple banks into a unified currency (TikoPuan) redeemable through its marketplace, serving 400,000+ Turkish consumers with bank partnerships and İstanbulkart transit integration.

Ownership category

akta.pro rank

Headquarters

HQ city

Sisli

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Digital Product Sales Commission: Users spend TikoPuan (converted from bank points) to purchase digital products and services from the Puan Harca Market. The platform likely earns a commission or spread on these transactions.
2. Bank Partnership Fees: Facilitates point conversions between users and partner banks. May receive fees from banks for driving customer engagement and transaction volume.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Puan Harca is a mobile-first loyalty point aggregation platform that allows Turkish consumers to consolidate credit card points and brand loyalty cards from multiple banks into a single app. Users convert their accumulated bank-specific points into TikoPuan, a proprietary universal loyalty currency with no expiration, and redeem them instantly for digital products and services in the integrated Puan Harca Market. The platform also enables brands to list digital products on the marketplace via a partner program.

Product overview

Puan Harca is a loyalty points management platform that consolidates credit card points and brand loyalty cards from multiple banks into a single app. Users convert their accumulated points to TikoPuan (a proprietary currency with no expiration), which can then be redeemed for digital products in the Puan Harca Market. The platform includes complementary tools: Kampanya Bulucu for discovering bank campaigns and comparing point earnings, and Kampanya Puanları for monthly point tracking across banks. Corporate Solutions enables brands to list products in the marketplace. The ecosystem also supports İstanbulkart operations through Belbim integration.

Differentiator

Problem solved

Functional benefit

Brands

• TikoPuan: The company's proprietary loyalty points currency that allows users to consolidate credit card points from multiple banks into a single, perpetually valid points system without expiration dates.

Products and services

• Puan Harca Mobile App

Named customers3 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• MokaunitedcoreTechnology or IntegrationOfficial payment solution partner of Puan Harca. Mokaunited provides the payment processing infrastructure enabling secure transactions within the Puan Harca platform for digital product purchases and point conversions.
• Belbim (İstanbulkart)coreTechnology or IntegrationEnables İstanbulkart operations within the Puan Harca platform. İstanbulkart is the electronic payment system for public transportation in Istanbul. Belbim is a licensed representative providing authorized agent certification and regulatory compliance documentation.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• AwardWallet: US-based loyalty program tracking platform that consolidates points and miles from airlines, hotels, and credit cards into a single dashboard. Direct peer — closest functional analogue to Puan Harca's multi-bank loyalty aggregation, with a heavier travel/miles tilt.
• CardPointers: Mobile app that helps consumers track credit card benefits, rewards, and points across issuers with reminders before expiry. Direct peer at smaller scale — overlaps directly with Puan Harca's value proposition of preventing points from expiring unused.
• MaxRewards: US-based credit card rewards management platform that helps users track, maximize, and redeem points across multiple cards. Direct peer — same cross-bank rewards aggregation and redemption use case as Puan Harca, with a comparable self-serve consumer mobile app.
• Kudos: US-based smart wallet that maximizes credit card rewards at checkout and tracks points/benefits across cards. Direct peer — same "add card, earn more, redeem value" loop and self-serve mobile-first GTM that Puan Harca uses.

Regional players

• Paycell: Turkcell's mobile payment and digital wallet platform operating across consumer payments, loyalty, and merchant acquiring in Turkey. Regional player — large incumbent in the Turkish mobile wallet/loyalty space that could expand into cross-bank rewards aggregation.
• Param: Turkish digital wallet and prepaid card platform serving consumers and merchants with payment, gift card, and loyalty-adjacent features. Regional player — Turkish-market peer in the same consumer fintech wallet category, with broader payment scope than Puan Harca's points focus.

Broad incumbents

• Rakuten: Global cashback and rewards marketplace operating a broad consumer rewards ecosystem with merchant partnerships and an in-house points currency. Broad incumbent — overlaps with Puan Harca's marketplace + proprietary currency structure, but at much larger scale and with a cashback rather than credit-card-points anchor.
• Edenred: Global employee benefits and rewards platform with significant Turkey operations through digital voucher and prepaid products. Broad incumbent — comparable on the B2B partner side (digital voucher tiers) that Puan Harca sells into its marketplace, and a likely existing competitor for partner inventory.

Emerging players

• Tosla: Turkish consumer fintech offering installment-based payments and reward/loyalty mechanics tied to card spend. Emerging player — overlaps with Puan Harca on the Turkish consumer rewards-and-card engagement layer, with a different monetization model (installments) rather than points aggregation.
• Roame: US-based travel rewards optimization platform that identifies the best credit card to use for flights and hotels. Emerging player — partial overlap with Puan Harca's bank-campaign comparison features, with a travel-redemption focus rather than digital goods.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/puanharca
• Facebookfacebook.com/puanharca

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors1 record

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 Puan Harca