Moka

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

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

• Payment processing
• Virtual POS
• Digital wallet
• Card solutions
• Cross-border transfers

Headquarters

HQ city

Besiktas

Offices9 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 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

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core 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

Named customers8 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Türkiye Cumhuriyeti Merkez BankasıcoreStrategic or Co-development PartnerRegulatory 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)coreTechnology or IntegrationIntegration with BKM, Turkey's interbank card center, for payment card processing and card network connections (Visa, Mastercard, Troy).
• VisacoreTechnology or IntegrationCard network partnership for processing Visa card transactions across all payment solutions including virtual POS, physical POS, and digital wallet.
• MastercardcoreTechnology or IntegrationCard network partnership for processing Mastercard transactions across all payment solutions including virtual POS, physical POS, and digital wallet.
• TROYcoreTechnology or IntegrationPartnership with Turkish domestic card scheme TROY for processing TROY-branded cards alongside international networks.
• PCI Security Standards CouncilcoreStrategic or Co-development PartnerPCI 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)minorStrategic or Co-development PartnerMembership in Turkey's payment and e-money services association for industry collaboration and regulatory compliance.
• MASAK (Mali Suçları Araştırma Kurulu)coreStrategic or Co-development PartnerCompliance with MASAK regulations for anti-money laundering (AML) and combating financing of terrorism (CFT) requirements.
• SamsungminorChannel Partner/ Reseller/ DistributorSamsung retailer customer using Moka United payment solutions for in-store and potentially online transactions.
• DecathlonminorChannel Partner/ Reseller/ DistributorDecathlon Turkey using Moka United payment infrastructure for retail payment processing.
• SahibindenminorChannel Partner/ Reseller/ DistributorTurkey's largest classifieds platform using Moka United payment solutions for online transaction processing.
• YemeksepetiminorChannel Partner/ Reseller/ DistributorLeading food delivery platform in Turkey using Moka United payment processing services.
• YandexminorChannel Partner/ Reseller/ DistributorInternational technology company using Moka United payment services for Turkish market operations.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct 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

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 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 Moka