What Birlesik Odeme does

Moka United (operating under the legal name Birleşik Ödeme Hizmetleri ve Elektronik Para Kuruluşu A.Ş.) is a Turkish licensed e-money and payment institution that provides a unified fintech payment infrastructure platform combining Virtual POS, Physical POS, SoftPOS, card solutions, digital wallet, domestic and cross-border money transfer, smart cash register (Akıllı Kasa), and self-service kiosk systems. The platform is built around a single-integration architecture that connects all Turkish banks and the major card networks (Visa, Mastercard, TROY), with AI-supported smart routing and a 7/24 real-time fraud prevention system. Moka United was formed through the merger of Moka (an İş Bankası subsidiary) and United Payment (an OYAK subsidiary), giving the company the backing of Turkey's largest private bank and one of its largest institutional investors.

The company serves a horizontal customer base spanning SMEs, large enterprises, e-commerce platforms, brick-and-mortar retail, and government institutions, with named enterprise customers including Samsung, Decathlon, Yandex, Sahibinden, Yemeksepeti, ABB, EnerjiSA, Hektaş, and VavaCars. Moka United reports 250+ employees across 6 countries (Turkey, United Kingdom, Azerbaijan, Georgia, Uzbekistan, and Germany), with regional headquarters in London, Baku, and Tbilisi, and historical throughput of 10 billion USD in transaction volume across 120 million+ transactions. GTM combines a self-service online application portal (3-day onboarding) for SMBs with enterprise field sales for large accounts, supported by inside sales via WhatsApp and email.

The business model is primarily transaction-based: Moka United earns commissions on POS transactions, money transfers, digital wallet operations, and prepaid card services, with commission rates customized by business model, sector, transaction volume, and POS type. Revenue is billed monthly. The company is certified to PCI DSS v4.0.1 and ISO/IEC 27001 standards, is licensed by the Central Bank of the Republic of Turkey as an e-money and payment institution, and is regulated by MASAK for AML compliance. No public revenue figure has been disclosed, and no public listing exists.

Name

Birlesik Odeme

Legal name

Moka United Ödeme Hizmetleri ve Elektronik Para Kuruluşu Anonim Şirketi

Website

https://birlesikodeme.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Moka United (Birleşik Ödeme) is a Turkish licensed e-money and payment institution providing virtual POS, physical POS, card solutions, digital wallets, money transfer, smart cash register, and kiosk services across 6 countries. It serves SMEs, large enterprises, e-commerce platforms, retail, and government institutions with AI-supported fraud prevention and a single-integration platform connecting all Turkish banks.

Ownership category

akta.pro rank

Product category

Payment Processing and Financial Technology Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Custom Computer Programming Services (541511)

SIC

Finance Services (6199), Services-Computer Programming Services (7371)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment processing services
• Virtual POS solutions
• Physical POS terminals
• Digital wallet infrastructure
• Cross-border money transfer

Headquarters

HQ city

Istanbul

HQ country

Türkiye

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Commission Fees: Commission-based revenue from POS transactions. Commission rates are customized based on business model, sector, transaction volume, and POS type (Virtual POS, Physical POS, SoftPOS, Link-based collection).
2. Cross-Border Transfer Services: International money transfer services with transparent commission details, supporting hundreds of countries in various currencies
3. Digital Wallet Services: Electronic money account services with digital payment experiences including QR payments, loyalty programs, and money transfers
4. Prepaid Card Infrastructure: Physical and virtual prepaid card infrastructure services for businesses

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Moka United (Birlesik Odeme) is a licensed e-money and payment institution that provides a unified fintech payment infrastructure platform combining Virtual POS, Physical POS, SoftPOS, payment link, prepaid card programs, digital wallet, domestic and cross-border money transfer, smart cash register, and self-service kiosk solutions. The platform enables businesses to accept and manage payments across online, in-store, and mobile channels via a single integration with all Turkish banks, supported by AI-driven transaction routing, 7/24 fraud prevention, and PCI DSS v4.0.1 and ISO/IEC 27001 certified security.

Product overview

Moka United operates as a unified fintech payment infrastructure platform that combines Virtual POS, Physical POS, SoftPOS, card and digital wallet solutions, smart cash register, and kiosk systems under a single umbrella. The platform enables businesses to accept payments through online, in-store, and mobile channels via a single integration, with AI-supported intelligent routing, advanced fraud prevention, and a central management panel. The ecosystem integrates payment acceptance, money transfers, digital wallets, and card programs to serve businesses from SMEs to large enterprises and government institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Virtual POS (Sanal POS) Online payment acceptance solution that enables businesses to receive card payments through e-commerce websites and mobile applications via a single integration with acquiring banks.
• Physical POS (Fiziki POS) Physical point-of-sale terminals deployed at retail locations to accept in-store card payments from customers.
• Payment Link (Linkle Tahsilat) Remote payment collection service that enables merchants to accept payments via SMS, email, or social media links without requiring a website or e-commerce integration.
• SoftPOS / Mobile POS (Cep POS) Software-based POS solution that turns smartphones and tablets into payment terminals, enabling merchants to accept card payments without additional hardware.
• Card Solutions (Kart Çözümleri) Flexible and scalable prepaid and virtual card infrastructure for organizations, providing custom card programs with 7/24 financial access and integration into loyalty, social benefit, and smart city applications.
• Digital Wallet Solutions (Cüzdan Çözümleri) Digital wallet infrastructure enabling money transfers, QR-based payments, and loyalty programs, connecting distributor, seller, employee, and customer networks on a single digital platform.
• Money Transfer (Para Transferi) Domestic and international money transfer service enabling fast and secure sending and receiving of funds in hundreds of countries and currencies with transparent commission details.
• Smart Cash Register (Akıllı Kasa) Cash management solution that digitizes cash 24/7, transfers funds to any bank account, and unlocks approximately 120 days per year of idle cash value for businesses.
• Kiosk Personalized self-service kiosk solutions with customized hardware and software infrastructure that enable 24/7 bill payment and local currency withdrawal from credit cards in foreign countries.

Quantifiable outcome

• 3 business day onboarding with complete documentation
• +4 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Partnerships

Eight partnerships are on record, tiered core.

• Türkiye Cumhuriyeti Merkez BankasıcoreOthersRegulatory oversight body for licensed e-money and payment institution. Ensures compliance with monetary policy and financial regulations in Turkey.
• Bankalararası Kart Merkezi (BKM)coreTechnology or IntegrationTurkish interbank card center providing card payment infrastructure and integration services in the Turkish market.
• TÖDEB (Türk Ödeme ve Elektronik Para Kuruluşları Birliği)coreStrategic or Co-development PartnerIndustry association for payment and electronic money institutions in Turkey, supporting regulatory compliance and industry standards.
• PCI Security Standards CouncilcoreOthersGlobal organization that manages payment security standards. Moka United maintains PCI DSS v4.0.1 compliance through this partnership.
• VisacoreTechnology or IntegrationPayment network integration enabling acceptance of Visa cards globally across all POS solutions and card products.
• MastercardcoreTechnology or IntegrationPayment network integration enabling acceptance of Mastercard cards globally across all POS solutions and card products.
• TROYcoreTechnology or IntegrationTurkish payment card brand integration enabling local card acceptance in Turkey alongside international networks Visa and Mastercard.
• MASAK (Mali Suçları Araştırma Kurulu)coreOthersFinancial Crimes Investigation Board ensuring anti-money laundering (AML) compliance and combating financing of terrorism.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Craftgate: Istanbul-based payment gateway serving Turkish and regional merchants with Virtual POS, marketplace and installment infrastructure. Comparable scale and target segment as Moka United's online acquiring business.
• Param: Turkish payment institution (Türk Telekom group) offering online payment, virtual POS, marketplace and mobile wallet services. Directly competes with Moka United's e-commerce acquiring and digital wallet products.
• iyzico: Turkey's leading payment gateway/acquirer offering Virtual POS, marketplace solutions and installments, now majority-owned by Mastercard. Directly competes head-to-head with Moka United on Turkish SMEs, enterprise e-commerce and cross-border acceptance.
• Sipay: Turkish licensed payment/e-money institution delivering POS, gateway, card issuance and prepaid solutions. Overlaps directly with Moka United's product suite, especially in card solutions, digital wallets and virtual POS.
• PayTR: Turkish payment institution providing Virtual POS, physical POS, marketplace and installment infrastructure to merchants across Turkey. Operates the same horizontal acquiring + gateway stack as Moka United and competes on price for the same SME and enterprise book.

Broad incumbents

• Worldline: European payment processor and acquirer with broad merchant services and POS offerings across multiple countries. Comparable to Moka United in European POS/merchant acquiring footprint and regulated acquiring license model.
• Stripe: Global payments infrastructure provider increasingly serving Turkish enterprises and digital platforms. Competes with Moka United on developer experience, gateway features and cross-border acceptance for large merchants.
• PayU: Global fintech (Prosus-owned) with established presence in Turkey and broader EMEA. Overlaps with Moka United in payment gateway, cross-border acquiring and marketplace solutions, but at far larger scale across multiple geographies.
• Adyen: Global unified payments platform serving large enterprises including many Turkish merchants. Competes with Moka United for enterprise cross-border volume and large-marketplace contracts, although it does not specifically localize for Turkey.

Others

• Verifone: Global provider of POS hardware and integrated payment software. Adjacent competitor in the physical POS and SoftPOS layer where Moka United also competes for in-store merchant contracts in Turkey and abroad.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/birlesikodeme
• YouTubeyoutube.com/@mokaunited
• LinkedInlinkedin.com/company/mokaunited
• Instagraminstagram.com/mokaunited
• TikToktiktok.com/@mokaunited

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments4 records

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

Frequently asked questions about Birlesik Odeme