Tranzila
Tranzila is an Israeli payment gateway and merchant acquiring platform, founded in 1999 and operating as a subsidiary of Interspace Ltd., serving tens of thousands of Israeli SMB merchants with end-to-end payment processing including EMV terminals, mobile card readers, e-commerce plugins, recurring billing, and Kashrut-certified (Heter Iska) processing.
- Company typePrivate
- Founded1999
- HeadquartersNetanya, Israel
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Tranzila does
Tranzila is an Israeli payment gateway and merchant acquiring platform that has been operating continuously since 1999 as a subsidiary of Interspace Ltd., headquartered in Netanya. The company provides end-to-end payment processing infrastructure for tens of thousands of Israeli small and medium businesses, spanning in-person EMV terminals, mobile card readers (iTranzila app), a cloud-based cash register, e-commerce gateway plugins (WooCommerce, Shopify, Wix), hosted payment pages, and recurring billing platforms. Its core technology stack includes a Visa Principal Membership clearing engine, MASAV direct-debit authorization, PCI DSS Level 1 certified tokenization, 3D Secure 2.2.0 authentication, and an AI Smart Payment System that optimizes transaction approval rates through dynamic retry logic. Tranzila also offers the Heter Iska (Kashrut-compliant) certification for religiously observant merchants, distinguishing it in the Israeli market.
The company's revenue model is multi-stream: percentage-based transaction/clearing fees (approximately 1.06% for small merchants, 0.82% for mid-market, and 0.62% for large merchants with annual turnover above 100M ILS), subscription fees for cloud POS and recurring billing software, hardware sales of EMV terminals and PINpads, same-day merchant financing through Tranzila Finance Express, and developer/API access fees. Distribution combines direct digital self-serve onboarding (with WhatsApp as a primary channel), a 24-hour express merchant onboarding flow, e-commerce platform marketplace listings, no-code automation platform integrations (Make, Base44, Lovable), developer API access via TRAPI, and a field sales force for enterprise merchants. Tranzila's primary market is domestic Israel, with select international card acceptance for cross-border merchants, and it does not publicly disclose revenue. Notable customers include WeWork, SYC Group (HOAM eSIM), Yatam Winery, and Sheva Katom fashion retail.
Tranzila firmographics
Firmographics- Name
- Tranzila
- Legal name
- Tranzila Ltd. (טרנזילה בע"מ)
- Website
- https://tranzila.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tranzila is an Israeli payment gateway and merchant acquiring platform, founded in 1999 and operating as a subsidiary of Interspace Ltd., serving tens of thousands of Israeli SMB merchants with end-to-end payment processing including EMV terminals, mobile card readers, e-commerce plugins, recurring billing, and Kashrut-certified (Heter Iska) processing.
- Ownership category
- akta.pro rank
Tranzila industry classification
Industry- Product category
- Payment Processing and Merchant Acquiring
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)
Keywords
Where Tranzila is headquartered
LocationHeadquarters
- HQ city
- Netanya
- HQ country
- Israel
- HQ region
- Middle East
Offices1 record
Markets served
Tranzila business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Transaction / Clearing Fees: Percentage-based fees charged per transaction processed (credit card, digital wallet, bank transfer). Fees vary by merchant size: ~1.06% for small businesses, ~0.82% for mid-market, ~0.62% for large merchants (annual revenue >100M ILS). As a MASAV authorized service bureau and Visa principal member, Tranzila earns interchange plus its own processing margin on each cleared transaction.
- Subscription / Monthly Fees: Monthly recurring fees for cloud cash register software tiers, recurring billing platform (Tranzila Recurring), merchant dashboard access, and monitoring/alerting services. Mobile card reader app is free; advanced cloud POS tiers are paid.
- Hardware Sales: Sale of EMV payment terminals, PINpads, and integrated card reader hardware to merchants. Hardware is available in both fixed and mobile configurations.
- Same-Day Merchant Acquiring (Finance): Tranzila Finance Express offers same-day payment settlement and reduced clearing fees for qualifying businesses, likely generating revenue through interest on accelerated settlements or differentiated fee tiers.
- Developer / API Access: Revenue from merchant software developers and solution providers integrating via Tranzila's API (TRAPI), hosted payment fields, and iFrame solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Mobile Card Reader (iTranzila/Android app) — free download with 29 ILS/month fee |
| Freemium | Monthly | Cloud Cash Register — Free basic tier (with active clearing account) |
| Transaction based/ take rate | Pay-as-you-go | Merchant Express (Express Clearing Account) — 24-hour onboarding with reduced clearing fees |
| Subscription | Annual | Enterprise / Multi-branch — custom pricing |
| Unit Pricing | Pay-as-you-go | EMV Hardware Terminals — one-time purchase |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels9 records
Tranzila product offering
Product offeringCore offering
Tranzila is an Israeli payment gateway and merchant acquiring platform providing credit card clearing, POS terminals, mobile card acceptance, e-commerce payment processing, recurring billing, and merchant financing. Its offering spans EMV terminals, a free mobile card-reader app (iTranzila), a cloud cash register, virtual stores, hosted payment pages, and developer APIs unified under the my.Tranzila dashboard. As a Visa Principal Member and MASAV-authorized service bureau, Tranzila directly clears transactions for tens of thousands of Israeli merchants.
Product overview
Tranzila is an Israeli payment gateway and acquiring platform offering a comprehensive, modular suite of payment processing solutions. The portfolio consists of a core AI-powered clearing engine that serves as the central infrastructure, surrounded by differentiated products across three main deployment channels: (1) in-person/pop payments via EMV card terminals and a mobile card-reader app (iTranzila) plus a cloud cash register; (2) online/e-commerce payments via a hosted payment page (Direct), a built-in virtual store, an iframe/hosted-fields integration, and native plugins for WooCommerce, Shopify, and Wix; and (3) remote/batch payments via payment request links, virtual terminal (vTerminal), recurring billing modules, batch file charging, and MASAV direct-debit. Supporting modules include tokenization, 3D Secure authentication, real-time transaction monitoring with AI-based anomaly detection, chargeback management, digital invoicing, card-update automation, and the my.Tranzila back-office dashboard. The platform is complemented by Tranzila Finance for merchant financing and a heter iska (Halachic business permit) for religiously compliant processing.
Differentiator
Problem solved
Functional benefit
Products and services
- EMV Payment Terminal Physical EMV-compliant payment terminal supporting chip cards, contactless NFC payments, PIN entry, and built-in printer. Available in fixed and mobile variants with WiFi or SIM connectivity, sold as hardware to Israeli merchants for in-person card acceptance.
- iTranzila Mobile Card Reader Free mobile application for iOS and Android that turns a smartphone into a payment terminal for accepting credit card payments anywhere, with transaction viewing and refunds. Available at 29 ILS/month, targets micro and field merchants without dedicated hardware.
- Cloud Cash Register Cloud-based point-of-sale cash register with inventory management, sales tracking, digital invoicing, and integrated card processing on tablet/laptop. Free basic tier available to merchants with active Tranzila clearing accounts; advanced smart cloud cash register available as paid tier.
- Virtual Store No-code online store builder with shopping cart, coupon module, shipping module, and integrated payment clearing. Allows businesses to start selling online within minutes without building a separate website, with options to share the storefront via WhatsApp and Facebook.
- Tranzila Direct (Hosted Payment Page) Hosted payment page with customizable design for mobile and web, accepting credit cards, Bit, Apple Pay, Google Pay, PayPal, and bank transfer. Can be shared via WhatsApp, Facebook, or embedded links to collect remote payments without a full online store.
- AI Smart Payment System AI-powered payment clearing engine that optimizes transaction success rates by analyzing failure patterns and dynamically adjusting payment routing and retry strategies on declined transactions. Positioned as Tranzila's core differentiated clearing technology.
- my.Tranzila Dashboard Web-based back-office dashboard providing real-time sales data, transaction search, refunds, chargebacks, payment request management, user permissions, and business analytics across multiple terminals and payment methods.
- Tranzila Recurring (Subscription Billing) Standalone subscription billing management system launched in 2023 supporting automatic recurring charges via credit card and MASAV direct debit, with product catalog management, customer management, automated email notifications, retry logic, and financial reporting.
- vTerminal (Virtual Terminal) Virtual terminal accessible from any web browser for manual card-not-present transactions. Used for phone orders, multi-branch business management, and remote payment entry without a physical terminal.
- Tranzila Finance Financing and settlement service offering same-day merchant acquiring, discounted clearing rates, and merchant cash advance to qualifying businesses via Tranzila Finance Express.
- Tranzila for Nonprofits Specialized payment clearing package for Israeli nonprofit organizations and registered charities, including donation processing, charity-specific features, and preferential fee structures.
- Hosted Fields (Embedded iframe Integration) Embedded hosted-field iframes for card data entry within merchant websites, keeping card details off the merchant's servers while maintaining a branded checkout experience and PCI compliance scope reduction.
- Digital Invoice (Green Invoice) Israeli Tax Authority-approved digital invoicing system that generates digitally-signed invoices sent via email upon transaction completion, integrated directly into the payment flow for tax compliance.
Quantifiable outcome
- AI system increases credit card transaction approval/conversion rates by optimizing retry logic on declined transactions
- +5 more outcomes
Companies that use Tranzila
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles3 records
Tranzila technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability4 records
Feature16 records
Tranzila partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core, flagship and minor.
- Visa — Principal Member (Israel)coreTranzila is a Principal Member of Visa in Israel, enabling it to directly clear Visa card transactions and offer merchant acquiring services under the Visa scheme. This membership is the foundational infrastructure for all card-based payment processing.
- MastercardcoreTranzila processes Mastercard credit and debit card transactions as part of its clearing services, supporting all major Mastercard-branded cards issued in Israel and internationally.
- MASAV (Bank Automatic Services — מס'ב)coreTranzila is an authorized service bureau (לשכת שירות מוסמכת) authorized by MASAV, enabling direct debit banking authorization (הרשאה לחיוב חשבון) for recurring billing directly from customer bank accounts. This allows MASAV-based recurring charges alongside credit card billing from the same Tranzila platform.
- SHAHAM (Bank Clearing House)coreSHAHAM is the Bank of Israel's authorized interbank fund transfer and direct debit clearing house. Tranzila connects to SHAHAM as part of its MASAV banking authorization infrastructure for processing direct debit transactions.
- IsracardcoreIsracard is one of Israel's five major credit card companies. Tranzila processes Isracard transactions as part of its multi-brand clearing infrastructure, enabling merchants to accept Isracard cards alongside other Israeli and international card brands.
- CAL / Visa CAL (כ.א.ל)coreCAL (Visa CAL) is one of Israel's four major credit card issuers and acquirers. Tranzila clears CAL card transactions and provides merchant services to businesses using CAL as their acquiring bank.
- MAX / Leumi CardcoreMAX (formerly Leumi Card) is one of Israel's four major credit card companies and a subsidiary of Bank Leumi. Tranzila clears MAX/Leumi Card transactions and provides related merchant acquiring services.
- bit (ביט)corebit (operated by Bank Hapoalim) is Israel's leading digital wallet and peer-to-peer payment app. Tranzila has integrated bit as a payment acceptance method, enabling merchants to accept bit transactions alongside card payments through a single integration.
- Apple PaycoreApple Pay is integrated with Tranzila's payment gateway, allowing merchants to accept contactless payments from iPhone and Apple Watch users through NFC-based digital wallet transactions.
- Google PaycoreGoogle Pay is integrated with Tranzila's payment gateway, enabling merchants to accept payments from Android users with Google Pay wallets for contactless and in-app transactions.
- PayPalcorePayPal is supported as an additional payment acceptance method through Tranzila's gateway, enabling merchants to accept PayPal payments alongside card and digital wallet options.
- Interspace Ltd. (Parent Company)flagshipTranzila operates as a subsidiary of Interspace Ltd. (אינטרספייס), a comprehensive internet services company providing domain registration (Internic), web hosting, cloud computing, SEO, and website development services. Tranzila benefits from Interspace's SMB customer base for cross-selling and leverages shared infrastructure, R&D, and operational resources. Interspace is the legal entity that owns Tranzila and is the entity named in legal/regulatory documentation.
- WooCommerce / WordPresscoreOfficial WooCommerce (WordPress) payment gateway plugin offered through the WordPress plugin directory. Enables the large Israeli WooCommerce merchant base to easily install and configure Tranzila as their payment processor without custom development.
- ShopifycoreOfficial Shopify app listing in the Shopify App Store, enabling Shopify merchants in Israel to install and configure Tranzila credit card processing directly from the Shopify admin interface with step-by-step setup guides and video tutorials.
- WixcoreOfficial Wix app (Wix App Market) providing Tranzila payment integration for Wix website builders in Israel. Includes installation guides and setup tutorials for Wix-based merchants.
- Make (formerly Integromat)minorMake is a no-code automation platform. Tranzila offers a module/integration for Make enabling users to build automated workflows that include payment processing without writing code. Also works with Base44 and Lovable AI-powered app builders.
- Israeli Tax Authority (רשויות מס הכנסה)coreTranzila's digital invoice system is approved by the Israeli Tax Authority (מס הכנסה), generating legally valid digitally-signed invoices (חשבונית דיגיטלית חתומה דיגיטלית) that meet statutory requirements for electronic tax documentation.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Tranzila competitors and assessment
Company assessmentDirect peers
- Cardcom: Israeli payment gateway and merchant acquiring company offering similar POS, e-commerce, and recurring billing solutions for SMB merchants in Israel. Direct competitor in the same Israeli payment processing market.
- Pelecard: Israeli payment processor providing card clearing, e-commerce gateway, and POS solutions to merchants. Competes directly with Tranzila in the Israeli SMB payment processing market.
- Meshulam: Israeli online payment processing company serving SMBs with credit card clearing and e-commerce integration. Direct competitor offering similar payment gateway services to Israeli merchants.
Broad incumbents
- Isracard: One of Israel's largest credit card companies and acquirers, offering direct merchant services. As a bank-affiliated incumbent, it competes broadly with Tranzila in payment processing and merchant acquiring.
- CAL (Visa CAL): Israeli credit card issuer and acquirer offering merchant services. Bank-affiliated incumbent with direct acquiring capabilities, competing broadly with Tranzila for Israeli merchants.
- MAX (Leumi Card): Israeli credit card company (Bank Leumi subsidiary) that offers merchant acquiring services. Bank-affiliated incumbent providing direct competition to Tranzila in card processing.
- Stripe: Global payment processing platform serving online businesses with comprehensive APIs and payment gateway services. While not specialized in the Israeli market, it competes for the same e-commerce merchants and offers similar developer-focused tools.
- Square (Block): Global POS and payment processing company offering hardware terminals, mobile card readers, and integrated software solutions for SMBs. Competes with Tranzila in the multi-channel SMB payment space.
- PayPal: Global digital payments platform offering online payment processing and digital wallet services. While PayPal is integrated with Tranzila as a payment method, it also competes as a standalone payment gateway for merchants.
- SumUp: Global mobile payment processor offering card readers and POS solutions to SMBs. Expands its reach across multiple geographies and competes with Tranzila's mobile and SMB payment offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Tranzila social profiles
Digital presenceTranzila compliance and trust
Trust signalCompliance3 records
Tranzila financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tranzila leadership team
Management profileNumber of profiles
Profiles2 records
Tranzila funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tranzila 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 Tranzila
What does Tranzila do?
Tranzila is an Israeli payment gateway and merchant acquiring platform providing credit card clearing, POS terminals, mobile card acceptance, e-commerce payment processing, recurring billing, and merchant financing. Its offering spans EMV terminals, a free mobile card-reader app (iTranzila), a cloud cash register, virtual stores, hosted payment pages, and developer APIs unified under the my.Tranzila dashboard. As a Visa Principal Member and MASAV-authorized service bureau, Tranzila directly clears transactions for tens of thousands of Israeli merchants.
Is Tranzila a public or private company?
Tranzila is a private company. It is classified as corporate owned and is currently operating.
When was Tranzila founded?
Tranzila was founded in 1999. It employs 11 to 50 people.
Where is Tranzila based?
Tranzila is headquartered in Netanya, Israel, in the Middle East region.
How does Tranzila make money?
Five revenue lines are on record. Transaction / Clearing Fees are the primary driver. The others are subscription / Monthly Fees, hardware Sales, same-Day Merchant Acquiring (Finance) and developer / API Access.
Who are Tranzila's main competitors?
Direct peers on record are Cardcom, Pelecard and Meshulam. Broad incumbents are Isracard, CAL (Visa CAL), MAX (Leumi Card), Stripe, Square (Block), PayPal and SumUp.
Does Tranzila have an API?
Yes. Tranzila offers a payment API (TRAPI) that allows merchants to integrate payment processing into their own software applications. Supports hosted fields, iframe integration, Notify URL for fraud prevention, Handshake mechanism for transaction validation, and DCdisable for duplicate transaction prevention. Documentation available at docs.tranzila.com. Integration options include standard API calls as well as no-code automation platforms such as Make, Base44, and Lovable. Developer documentation is at docs.tranzila.com.
What industry is Tranzila in?
Tranzila's product category is Payment Processing and Merchant Acquiring. Its primary akta.pro industry code is FSAGAKAH, Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity). Its NAICS code is 52232 and its SIC code is 6099.