What TPAY Mobile does

TPAY Mobile (tpay) is a Dubai-headquartered open mobile payment platform founded in 2014 that operates as a payment connector between digital merchants, telecom operators, mobile wallets, and banks across the Middle East, Africa, and Turkey (META). Through a single API integration, merchants access Direct Carrier Billing (DCB), Direct Wallet Billing (DWB), Money Transfer/ATM payments, Checkout, Bundling, and Reporting modules across 30+ countries and 100+ payment channels. The platform processes roughly 0.2 billion transactions per month from 1,000+ merchants and serves an addressable base of 800M+ consumers, primarily unbanked and underbanked mobile-phone users. Named enterprise customers include Shahid VIP, TOD, STARZPLAY, Tencent (PUBG Mobile via Midasbuy), Huawei AppGallery, Google Play (with Etisalat Egypt), Turkcell, STC Kuwait, Geidea, and food delivery brands in Türkiye.

The core technology is a DCB engine that deducts digital purchases from prepaid balances or postpaid bills, augmented with subscription management (free trials, smart charging, retro-billing, retrials), anti-fraud tooling via the Evina partnership, and a reachability-aware smart notification recovery system. TPAY operates through two wholly-owned subsidiaries — DCB Egypt (acquired 2018) and Payguru in Türkiye (acquired 2020) — which holds a payment license from the Turkish Financial Regulator and processes approximately $70M annually. The group holds Egypt's first NTRA license for government DCB payments (utility bills, traffic fines, civil registry). The company is venture-backed (A15 led initial investment; Helios Investment Partners since 2018), employs 101–250 staff across offices in Dubai, Riyadh, Cairo, Istanbul, Casablanca, and Lagos, and was rebranded in 2024 around the "payment connector" positioning.

TPAY's revenue model is transaction-fee and take-rate based across DCB and DWB rails, supplemented by subscription/recurring billing for streaming and gaming customers, Money Transfer/ATM processing fees in Türkiye, and managed-services revenue from bundling with operator tariffs. Pricing is not publicly disclosed; the company negotiates B2B per-merchant and per-operator agreements. The go-to-market combines API-first self-service for merchants with enterprise field sales to streaming, gaming, app-store, and telecom-operator accounts, plus channel partnerships (Geidea, Bango, Evina) and OEM-embedded integrations into Google Play and Huawei AppGallery.

Name

TPAY Mobile

Legal name

TPAY Mobile

Website

https://tpaymobile.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

TPAY Mobile is a Dubai-based payment connector that enables digital merchants to accept Direct Carrier Billing, wallet, and bank payments across 30+ META countries through a single API, serving unbanked consumers and enterprise customers in streaming, gaming, and government services.

Ownership category

akta.pro rank

Product category

Mobile Payment Processing

akta.pro primary industry

Carrier Billing & Telco Mobile Money (FSAMAEAD)

Keywords

• Direct carrier billing
• Mobile payment platform
• Payment aggregator services
• Digital wallet billing
• Telecom payment API

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices6 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Direct Carrier Billing (DCB) Transaction Fees: tpay charges merchants a transaction fee or take rate for each DCB payment processed. Payments are deducted from prepaid balance or added to monthly postpaid bill. Revenue is driven by transaction volume across digital content, gaming, streaming, and utility payment verticals.
2. Direct Wallet Billing (DWB): Quick, simple, secure mobile wallet checkout with one-time payments. tpay facilitates wallet-based transactions (e.g., Vodafone Cash, Orange Cash, M-Pesa) and charges transaction fees per payment processed.
3. Subscription/Recurring Billing: Recurring payment model charging subscribers periodically (daily/weekly/monthly) with smart billing optimization. Generates recurring revenue streams from subscription-based digital services such as streaming platforms (Shahid VIP, STARZPLAY) and gaming content.
4. Money Transfer & ATM Payments: Bank transfer and ATM cash payment processing in Turkey, accepting payments from 30,000 ATMs across 8 banks. tpay charges transaction or processing fees for each payment received.
5. Bundling Services: Bundling digital services with operator tariffs (hard and soft bundling models) generates revenue through increased subscriber acquisition and retention commissions from telecom operators and digital service providers.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels6 records

Core offering

TPAY Mobile is a payment connector platform that enables digital merchants, app developers, gaming publishers, streaming services, and government entities across the Middle East, Africa, and Turkey to monetize digital goods via Direct Carrier Billing (DCB) and Direct Wallet Billing (DWB). Through a single API integration, merchants gain access to 110+ mobile operators and mobile-wallet providers across 30+ countries, reaching 800+ million consumers without requiring bank cards. Supporting services include ATM-based money transfer, hosted checkout, operator bundling, and analytics.

Product overview

TPAY Mobile operates as a payment connector platform offering a comprehensive suite of mobile payment solutions across the META region (Middle East, Africa & Turkey). The platform architecture centers on Direct Carrier Billing (DCB) as the core product, supplemented by Direct Wallets Billing, Money Transfer/ATM payments, Checkout, Bundling, and Reporting/Dashboard modules. Through a single API integration, digital service providers can access multiple payment methods across 30+ countries. The Turkish subsidiary Payguru (acquired 2020) extends coverage specifically for Türkiye. Key differentiators include micro-payment focus, operator network reach, and fraud prevention capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Payguru: Turkish subsidiary operating Direct Carrier Billing and Bank Transfer services under tpay Mobile Türkiye.
• DCB Egypt

Products and services

• Direct Carrier Billing (DCB)

Quantifiable outcome

• 15x increase in DCB revenues for STC Kuwait since 2015 partnership
• +5 more outcomes

Named customers18 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability2 records

Feature8 records

Partnerships

19 partnerships are on record, tiered core and major.

• BangocoreTechnology or Integration · 11 March 2026Bango, a Cambridge UK-based mobile payment provider serving Amazon, Google, and Microsoft, partnered with tpay to enable DCB integrations across the mobile payments ecosystem. Bango CEO Paul Larbey publicly congratulated tpay on its MEFFYS 2026 award, noting Bango works with tpay across many markets and looks forward to strengthening collaboration.
• Payguru (Turkish subsidiary)coreStrategic or Co-development Partner · 3 March 2026Payguru is tpay's wholly-owned Turkish subsidiary acquired in 2020. It holds a payment license from the Turkish Financial Regulator and processes $70M+ per year through DCB and bank transfer services. Payguru was instrumental in tpay's MEFFYS 2026 award win for enabling food ordering DCB payments via Turkcell's 42.8M subscriber network.
• Marouane BakhtarcoreOthers · 26 May 2025Marouane Bakhtar appointed COO with 17 years of experience leading large-scale projects in financial services. Former Managing Director of Synpulse UK where he quadrupled the firm's UK presence and led multi-million-pound transformation initiatives. Master's degree in finance and economics from Toulouse Business School.
• Burhan EliaçıkmajorOthers · 15 April 2025Burhan Eliaçık, a 25+ year payments and fintech veteran with extensive experience at iyzico, ÖDED, and TÖDEB, was appointed to tpay's Board of Directors. Founder of SeedB Ventures. Former chairman of Turkish Payment and Electronic Money Association. Brings governance and strategic oversight to tpay's expansion.
• CursormajorTechnology or Integration · 1 January 2025Cursor partnered with tpay to re-architect tpay's development environment for AI comprehension. Within one week, tpay's engineering teams transformed 40+ repositories and millions of lines of code into an AI-compliant environment. Custom AI agents and rules guide code generation, debugging, refactoring, and documentation.
• GeideacoreStrategic or Co-development Partner · 29 October 2024Geidea, a leading fintech company in KSA and UAE (expanding to Egypt), entered a strategic partnership with tpay to provide a comprehensive payment suite including DCB, card payments, and e-wallets through a single aggregator in KSA, Egypt, and UAE. Aims to reshape digital payments space and advance financial inclusion across META.
• Shahid VIPcoreStrategic or Co-development Partner · 18 September 2024Shahid VIP, MENA's leading streaming platform, partnered with tpay for DCB subscriptions enabling payments via mobile number across 30+ operators in 14 countries. Partnership began 2015 and contributed to significant growth in active subscriptions and revenues for Shahid. Scott Weeman (Director of Partnerships) cited ease and security of DCB as key growth drivers.
• Tencent Holdings Ltd.coreStrategic or Co-development Partner · 16 January 2024Tencent partnered with tpay to launch DCB for PUBG Mobile in Egypt, enabling gamers to purchase in-game currency (UC) charged to mobile subscription via Midasbuy. Partnership extended to other Tencent games (Synced, Undawn, Whiteout Survival) in UAE, Oman, and Qatar. Original partnership began in Turkey (May 2019) with Payguru across all 3 Turkish operators.
• STARZPLAYmajorStrategic or Co-development Partner · 7 August 2023STARZPLAY partnered with tpay enabling subscription payments via mobile number for 9 million viewers in Orange Tunisia, Sudatel Sudan, and Chinguitel Mauritania. Raghida Abou-Fadel (SVP Sales) cited seamless payment experience as enabling premium content delivery across MENA.
• EvinacoreTechnology or Integration · 26 July 2023Evina, a Paris-based cybersecurity company, provides advanced anti-fraud solutions for tpay's Turkish subsidiary Payguru. Implementation achieved 80% decline in suspicious transactions and significant customer satisfaction improvement. Evina CEO David Lotfi noted Payguru's role in securing clean traffic within mobile payment landscape.
• TurkcellcoreChannel Partner/ Reseller/ Distributor · 3 July 2023Turkcell is Turkey's largest mobile operator with 42.8 million subscribers, serving as the network partner for Payguru's DCB solution enabling food ordering, delivery payments, and government services in Turkey. Partnership enabled MEFFYS 2026 award-winning food delivery DCB solution.
• GooglecoreTechnology or Integration · 10 May 2023tpay enabled Direct Carrier Billing on Google Play in partnership with Bango and Etisalat Egypt, providing 30M+ subscribers ability to purchase apps, games, and content without credit cards. Partnership brings Google Play content within reach of 60%+ of Egypt's population who lack traditional payment methods.
• Etisalat EgyptcoreChannel Partner/ Reseller/ Distributor · 10 May 2023Etisalat Egypt partnered with tpay and Bango to launch Google Play DCB for 30M+ subscribers. Ahmed Yehia (Chief Consumer Officer) noted DCB as the fastest, easiest, and most convenient payment method for Google Play content. Partnership enables access for 60%+ of Egypt's population without traditional payment methods.
• World TelemediamajorGTM or Marketing Partner · 10 May 2023World Telemedia is an industry platform operating with mission of making mobile content, payments, and commerce part of the same value chain. Anzelle Robertson (Strategy Director) congratulated tpay's MEFFYS 2026 award, noting DCB's expansion into real-world e-commerce.
• TODcoreStrategic or Co-development Partner · 16 January 2023TOD, the fastest-growing streaming platform for MENA, partnered with tpay for DCB subscription payments covering up to 105 million consumers in Egypt initially, expanding across MENA. Enables sports and entertainment content subscriptions for consumers without access to credit/debit cards.
• iyzicomajorStrategic or Co-development Partner · 23 November 2021Payguru and iyzico launched Direct Carrier Billing for digital wallets in a global first partnership, combining DCB and digital wallet payment rails for Turkish consumers.
• DCB EgyptcoreStrategic or Co-development Partner · 1 January 2020tpay acquired DCB Egypt in 2018, adding 30+ employees to its team. DCB Egypt operates as tpay's Egyptian subsidiary handling NTRA licensing and government payment services. Ahmed Nabil serves as both Group CFO and Egypt General Manager.
• Huawei Mobile Services (HMS)majorTechnology or Integration · 1 January 2019tpay enables DCB for Huawei AppGallery, allowing users to purchase apps and in-game content via mobile balance. Partnership enabled HMS to reach unbanked users in MEA fast, with rapid userbase growth. William Hu (Managing Director HMS MEA) noted that tpay partnership enabled reaching new user segments efficiently.
• STC KuwaitmajorChannel Partner/ Reseller/ Distributor · 1 January 2015STC Kuwait partnered with tpay in 2015, launching 15+ live DCB services and achieving 15x revenue increase. STC has 2.4 million subscribers with approximately 25% market share in Kuwait. Feras Hallal (Manager VAS Marketing) credited tpay's innovative payment solutions for DCB revenue growth.

Scale indicators16 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• Network International: UAE-headquartered MENA payment processor and acquirer offering card processing, merchant acquiring, and digital payment solutions across the region. Broad incumbent in MENA payments; competes for large merchant accounts though its core is card rails rather than DCB.
• Adyen: Global payments platform offering unified online, in-store, and platform payment processing for large enterprises including many of the same OTT merchants TPAY serves. Broad incumbent serving global digital merchants; not a DCB specialist but competes for enterprise payment processing mandates.

Direct peers

• DOCOMO Digital: NTT DOCOMO's DCB aggregator providing single-API carrier billing across Europe, Asia, and emerging markets. Direct competitor to TPAY for global OTT merchants seeking DCB reach; similar aggregator playbook with multi-operator API and digital content focus.
• Fortuno (now part of Ailleron): Estonia-founded DCB and mobile payments aggregator serving app stores, gaming, and digital content merchants globally. Comparable one-stop DCB API offering for digital merchants; competes with TPAY for emerging-market DCB volume.
• Centili: Mobile payments and DCB aggregator acquired by Infobip, providing carrier billing across global operators. Direct peer in the DCB-aggregator category serving digital content, gaming, and subscription merchants.
• Bango: UK-based global DCB aggregator powering carrier billing for Google Play, Amazon, and Microsoft app stores. TPAY and Bango are explicitly partnered (Bango CEO publicly cites multi-market collaboration), and they share the same core DCB-aggregator business model competing for the same OTT merchant relationships.
• Dimoco: Austria-based DCB and carrier billing aggregator with strong presence in CEE, Western Europe, and emerging markets. Comparable single-API aggregator model serving digital merchants and content providers via mobile operator billing.

Regional players

• Telr: UAE-based payment gateway serving SMEs and enterprises across MENA with online payment processing and merchant services. Regional payment aggregator in overlapping geography and customer base but focused on card/online checkout rather than carrier billing.

Emerging players

• PayTabs: MENA-based payment gateway and aggregator providing online, mobile, and digital payment solutions across the GCC and broader region. Adjacent payment aggregator competing for merchant share in overlapping verticals though primarily card-focused rather than DCB-specialized.
• Geidea: Saudi-headquartered fintech providing payment acquiring, gateway, and POS solutions in KSA, Egypt, and UAE. TPAY is partnered with Geidea for distribution, but Geidea also competes for merchant payment-processing relationships in the same geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tpaymobile1
• Facebookfacebook.com/tpaymobile1
• LinkedInlinkedin.com/company/tpaymobile
• Instagraminstagram.com/tpaymobile

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A2 records

Investments

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

Frequently asked questions about TPAY Mobile