Moka
- Company typePrivate
- Founded2023
- HeadquartersBesiktas
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Moka firmographics
Firmographics- Name
- Moka
- Legal name
- Moka United Ödeme Hizmetleri ve Elektronik Para Kuruluşu Anonim Şirketi
- Website
- https://moka.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Moka industry classification
Industry- Product category
- Payment Processing & Financial Infrastructure
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
- akta.pro secondary industries
- POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), Invoicing, Pay-by-Link & Virtual Accounts (CRAFALAJ)
Keywords
Where Moka is headquartered
LocationHeadquarters
- HQ city
- Besiktas
Offices9 records
Markets served
Moka business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Transaction fees / Commission fees: Primary revenue stream from transaction commissions charged on payment processing. Commission rates are determined based on business model, sector, transaction volume, and preferred POS type. This is a transaction-based revenue model where fees are typically a percentage of each payment processed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom pricing based on business profile |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
Moka product offering
Product offeringCore offering
Moka United is a licensed e-money and payment institution that provides unified payment infrastructure for businesses, combining virtual POS, physical POS, SoftPOS, digital wallet, card solutions, money transfers, smart cash register (Akıllı Kasa), and self-service kiosks under a single integration. The platform enables merchants across e-commerce, retail, corporate, and government segments to accept, manage, and reconcile payments through AI-powered intelligent routing, advanced fraud prevention, and a centralized management panel.
Product overview
Moka United is a unified financial technology platform offering a comprehensive suite of payment and financial services under a single integration. The platform provides POS solutions (Sanal POS, Fiziki POS, Cep POS/SoftPOS, Linkle Tahsilat), digital wallet services (Dijital Cüzdan), card solutions (Kart Çözümleri), money transfers (Para Transferi), and value-added services (Akıllı Kasa, Kiosk). All products operate on a single unified infrastructure with AI-powered smart routing, fraud prevention, and a centralized management panel, allowing businesses to accept payments across online, in-store, and remote channels while managing financial operations from one platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Sanal POS (Virtual POS)
Quantifiable outcome
- 120+ million transactions processed
- +3 more outcomes
Companies that use Moka
Customer profileNamed customers8 records
Segments6 records
Ideal customer profiles4 records
Moka technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature5 records
Moka partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- Türkiye Cumhuriyeti Merkez BankasıcoreRegulatory partnership with Turkey's central bank for payment system compliance and licensed e-money/payment operations. Moka United operates as a licensed e-money and payment institution under central bank oversight.
- Bankalararası Kart Merkezi (BKM)coreIntegration with BKM, Turkey's interbank card center, for payment card processing and card network connections (Visa, Mastercard, Troy).
- VisacoreCard network partnership for processing Visa card transactions across all payment solutions including virtual POS, physical POS, and digital wallet.
- MastercardcoreCard network partnership for processing Mastercard transactions across all payment solutions including virtual POS, physical POS, and digital wallet.
- TROYcorePartnership with Turkish domestic card scheme TROY for processing TROY-branded cards alongside international networks.
- PCI Security Standards CouncilcorePCI DSS v4.0.1 compliance certification through membership in PCI Security Standards Council, demonstrating commitment to payment card data security standards.
- Tödeb (Türkiye Ödeme ve Elektronik Para Hizmetleri Birliği)minorMembership in Turkey's payment and e-money services association for industry collaboration and regulatory compliance.
- MASAK (Mali Suçları Araştırma Kurulu)coreCompliance with MASAK regulations for anti-money laundering (AML) and combating financing of terrorism (CFT) requirements.
- SamsungminorSamsung retailer customer using Moka United payment solutions for in-store and potentially online transactions.
- DecathlonminorDecathlon Turkey using Moka United payment infrastructure for retail payment processing.
- SahibindenminorTurkey's largest classifieds platform using Moka United payment solutions for online transaction processing.
- YemeksepetiminorLeading food delivery platform in Turkey using Moka United payment processing services.
- YandexminorInternational technology company using Moka United payment services for Turkish market operations.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Moka competitors and assessment
Company assessmentDirect peers
- iyzico: Turkey's leading payment processor offering virtual POS, marketplace solutions, and installment payments to SMBs and enterprises. Closest direct competitor to Moka United in Turkish payment infrastructure, now owned by Stripe.
- PayTR: Turkish payment gateway providing virtual POS, physical POS, and e-commerce checkout solutions. Competes head-to-head with Moka United for online and in-store merchants in Turkey.
- Papara: Turkish digital wallet and fintech super-app offering cards, payments, money transfers, and merchant acquiring. Comparable in product breadth (wallet + card + transfers) to Moka United's digital wallet and card solutions.
- Param (Turkcell Ödeme): Turkcell-owned mobile payment platform offering POS, virtual POS, and digital wallet services across Turkey. Comparable distribution scale and product overlap with Moka United's SoftPOS and wallet offerings.
- Craftgate: Turkish payment gateway focused on e-commerce and enterprise merchants, offering virtual POS and fraud prevention. Direct competitor in the Turkish online payment infrastructure market.
Broad incumbents
- Stripe: Global payment platform with strong Turkey presence via iyzico acquisition. Competes with Moka United for enterprise and e-commerce payment volume across all markets where Stripe operates.
- Adyen: Global payment processor serving enterprise merchants with unified online and in-store payment infrastructure. Comparable omnichannel POS-to-online value proposition targeting enterprise accounts that Moka United serves.
- PayU: Global payment processor with significant Turkey presence offering virtual POS, installment, and marketplace payments. Comparable enterprise acquiring and e-commerce focus.
- Mastercard Payment Gateway Services: Card network and payment gateway operator. Moka United has a card network partnership with Mastercard but Mastercard's gateway services compete for the same merchant acquiring relationships.
Regional players
- BKM Express: Turkey's national card payment switch operator (Bankalararası Kart Merkezi), offering digital wallet and payment services. Relevant comparable for domestic payment infrastructure scale and regulatory positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Moka social profiles
Digital presenceMoka compliance and trust
Trust signalCompliance2 records
Moka financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moka leadership team
Management profileNumber of profiles
Profiles1 record
Moka subsidiaries and ownership
Company hierarchySubsidiaries5 records
Moka funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moka M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moka
What does Moka do?
Moka United is a licensed e-money and payment institution that provides unified payment infrastructure for businesses, combining virtual POS, physical POS, SoftPOS, digital wallet, card solutions, money transfers, smart cash register (Akıllı Kasa), and self-service kiosks under a single integration. The platform enables merchants across e-commerce, retail, corporate, and government segments to accept, manage, and reconcile payments through AI-powered intelligent routing, advanced fraud prevention, and a centralized management panel.
Is Moka a public or private company?
Moka is a private company. It is classified as corporate owned and is currently operating.
When was Moka founded?
Moka was founded in 2023. It employs 11 to 50 people.
Where is Moka based?
Moka is headquartered in Besiktas.
How does Moka make money?
One revenue line is on record: transaction fees / Commission fees.
Who are Moka's main competitors?
Direct peers on record are iyzico, PayTR, Papara, Param (Turkcell Ödeme) and Craftgate. Broad incumbents are Stripe, Adyen, PayU and Mastercard Payment Gateway Services. BKM Express is listed as a regional player.
Does Moka have an API?
No public API is recorded for Moka.
What industry is Moka in?
Moka's product category is Payment Processing & Financial Infrastructure. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure, with a secondary code of CRAFALAL, POS-to-Online Unified Payments (Omnichannel Payments). Its NAICS code is 518 and its SIC code is 6199.