Finrota

What Finrota does

Finrota is a Turkish financial operations platform operated by Eçözüm Bilgi Teknolojileri A.Ş., founded in 2001 and headquartered in Istanbul. The company offers a unified, subscription-based suite covering online collection (Netahsilat), payment gateway (Finrota B2C), open banking and account aggregation (Netekstre), cash flow management (NAP360), POS transaction reporting (Posrapor), electronic direct debit (E-DBS), and bulk payment processing (TÖS). The platform integrates with 26 ERP systems and major Turkish banks (Garanti BBVA, Ziraat, Yapı Kredi, Vakıfbank, İş Bankası, QNB Finansbank, Denizbank, Akbank), enabling multi-bank reconciliation, virtual POS aggregation, dealer and B2B collection, EFT/SWIFT batch transfers, and multi-currency (TRY, USD, EUR, GBP, SAR) processing behind a single dashboard.

The platform serves both large enterprises (Büyük Şirket) and SMBs (KOBİ) across more than 15 verticals in Turkey, with named customers including Samsung, Arçelik, Electrolux, Daikin, Allianz Sigorta, Arçelik, Hayat Kimya, Çimsa, Kastamonu Entegre, Toros Tarım, Damat Tween, MNG Kargo, Beymen, Brisa, Teknosa, Türk Traktör, Sütaş, Tosyalı Holding, Sabancı Üniversitesi, and Beiersdorf (Nivea Turkey). Go-to-market combines direct enterprise sales with a 90+ partner channel program launched in September 2020 and a self-serve portal at portal.finrota.com; pricing is tiered by company size with annual subscription billing. Security and compliance posture includes PCI DSS, ISO 27001, and VISA Europe Solution Partner status, with TLS ECC 256-bit and AES 256-bit encryption protecting card data.

Finrota reports 5,000+ customers, 200+ employees (predominantly engineers and technicians), 630+ billion TL in annual collection volume, and 34+ million processed account transactions. Q1 2024 volume metrics show strong organic momentum (E-DBS invoice collection +130% YoY to 3 billion TL; TÖS bulk transfer volume +100% YoY; Netekstre transactions +25% YoY; Posrapor card transactions +11% YoY). Revenue is generated through subscription fees and transaction-based pricing, though specific revenue figures are not disclosed. The company is privately held under Eçözüm Bilgi Teknolojileri A.Ş., with General Manager İlknur Uzunoglu leading operations, and has announced an AI-based financial reporting product slated for 2026 to extend its open banking stack.

Name

Finrota

Legal name

Eçözüm Bilgi Teknolojileri A.Ş.

Website

https://finrota.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

Finrota is a Turkish financial operations platform operated by Eçözüm Bilgi Teknolojileri A.Ş., unifying online collection, open banking, POS management, ERP integration, and cash flow management into one subscription-based platform serving 5,000+ large enterprises and SMBs across 15+ verticals in Turkey.

Ownership category

akta.pro rank

Product category

Financial Operations Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Online collection system
• Open banking platform
• Payment gateway software
• Cash flow management
• ERP financial integration

Headquarters

HQ city

Esenler

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription/Platform Fees: Finrota operates on a subscription-based model for access to its financial operations platform, including products like Netahsilat, Netekstre, NAP360, Posrapor, E-DBS, and TÖS. The platform is offered as a unified solution with tiered pricing based on business size (Large Companies vs SMB/KOBİ).
2. Transaction-based Fees: Revenue is generated through transaction fees on collections, payments, and financial operations processed through the platform, evidenced by transaction volume metrics (630+ billion TL annual collections).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Finrota provides a unified financial operations platform for businesses, combining online collection (Netahsilat), payment gateway (Finrota B2C), open banking aggregation (Netekstre), cash flow management (NAP360), POS reporting (Posrapor), electronic direct debit (E-DBS), and bulk payment processing (TÖS) in a single subscription-based SaaS offering. The platform integrates with 25+ ERP systems and multiple Turkish banks to automate collection, reconciliation, and reporting for both large enterprises and SMBs.

Product overview

Finrota is a Turkish financial technology company (Eçözüm Bilgi Teknolojileri A.Ş.) offering a comprehensive digital platform for financial operations management. The portfolio consists of seven integrated products: Netahsilat (online collection system), Finrota B2C (payment gateway), Netekstre (open banking/account aggregation), NAP360 (cash flow management), Posrapor (POS reporting), E-DBS (electronic direct debit), and TÖS (bulk payment system). Together these products address the full financial operations cycle from collection through reporting and payment processing, targeting both SMEs and large enterprises across 30+ sectors.

Differentiator

Problem solved

Functional benefit

Brands

• Netahsilat: Online collection system for dealers, sub-dealers, and customers with virtual POS integration
• Netekstre
• NAP360
• Posrapor
• Finrota B2C
• E-DBS
• TÖS

Products and services

• Netahsilat Integrated online collection system enabling businesses to collect payments from dealers, sub-dealers, and customers with unlimited POS integration, 3D Secure-compliant e-collection infrastructure, multi-currency support (TRY, USD, EUR, GBP, SAR), and mobile payment link delivery via SMS, email, or mobile app for on-site credit card collection without physical POS. It is for finance and collection teams of enterprises and SMBs with dealer or customer networks.
• Finrota B2C Payment gateway for end-consumer collections, enabling businesses to accept digital payments through multi-POS management and smart routing across multiple payment providers. It is for merchants and digital sales channels requiring unified consumer payment acceptance.
• Netekstre Open banking platform enabling businesses to track all bank accounts and company credit card transactions from a single dashboard, with API-based bank integrations and 26+ ERP system connections for automated reconciliation. It is for finance teams needing consolidated multi-bank visibility and automated accounting.
• NAP360 Cash flow management platform that processes financial data, generates forecasts, reminders, and recommendations for future-oriented cash flow planning, consolidating all cash flow operations in one panel. It is for finance leaders requiring forward-looking visibility into cash position.
• Posrapor POS reporting system managing physical and virtual POS transactions from a single screen, providing detailed reporting including commission changes, maturity dates, card programs, installment tracking, and blocked amount management. It is for finance teams managing multiple POS relationships across banks and payment institutions.
• E-DBS Electronic Direct Debit System for managing DBS operations across different banks, enabling automatic invoice collection from dealers and customers with B2B collection risk management, limit tracking, and multi-bank transaction management. It is for companies with wide customer networks or dealer structures.
• TÖS (Toplu Ödeme Sistemi) Bulk payment system enabling collective money transfers, EFT, wire transfers, SWIFT, and import payments in a single transaction, with ERP integration for automatic debt withdrawal and payment record processing. It is for finance and treasury teams executing high-volume outbound payments.

Quantifiable outcome

• 380,000 hours of resources saved in Q1 2024 for Netekstre users in financial tracking and accounting operations
• +4 more outcomes

Named customers28 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature8 records

Partnerships

Three partnerships are on record, tiered important and core.

• 90+ Sales PartnersimportantChannel Partner/ Reseller/ Distributor · 1 September 2020Sales partnership program launched in September 2020 with over 90 business partners including software companies, IT professionals, financial consultants, integrators, digital marketing agencies, and financial advisors who refer Finrota products to potential customers in their geography, earning recurring income from transactions.
• 25+ ERP System PartnerscoreTechnology or IntegrationIntegration partnerships with 25+ ERP systems including popular accounting and enterprise resource planning software used by Turkish businesses, enabling seamless data flow between Finrota financial operations and customer business systems. Netekstre supports 26 ERP systems as of Q1 2024.
• Multiple Bank PartnerscoreTechnology or IntegrationIntegration with multiple banks and payment systems including Garanti BBVA, Ziraat Bankası, Yapı Kredi, Vakıfbank, Türkiye İş Bankası, QNB Finansbank, Denizbank, and Akbank, enabling account aggregation, POS transaction reporting, and payment processing through Netekstre and other products.

Scale indicators13 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• iyzico: Turkish fintech offering online payment gateway, marketplace solutions, and POS systems for businesses. Most direct Turkish competitor to Finrota's Netahsilat and Finrota B2C products, serving overlapping SMB and enterprise segments with a similar transaction-fee revenue model.
• PayU Turkey: PayU's Turkish unit (formerly payu TR) provides online payment processing, virtual POS, and merchant acquiring services. Directly competes with Finrota's payment gateway and collection products for enterprise and SMB customers in Turkey.
• Param (Esnek Ödeme): Turkish fintech offering online payment infrastructure, virtual POS, and e-commerce checkout solutions. Comparable to Finrota's collection and payment gateway offerings, particularly in the SMB tier.
• Plaid: Global open banking/account aggregation platform providing bank account connectivity, transaction data, and verification APIs. Directly comparable to Finrota's Netekstre open banking product, though scaled globally and at different stage.
• Tink (Visa): European open banking platform owned by Visa offering account aggregation, payment initiation, and financial data APIs. Comparable to Netekstre's account aggregation and reconciliation capabilities, with broader European bank coverage.

Broad incumbents

• Adyen: Global payment platform offering unified payment processing, POS, and e-commerce acquiring. Broader scope than Finrota but overlaps in physical/virtual POS management and merchant payment processing for enterprise customers.
• Stripe: Global payment infrastructure provider serving SMBs and enterprises with checkout, virtual POS, and treasury products. Comparable to Finrota's B2C payment gateway and TÖS bulk payment capabilities, though with global rather than Turkish banking focus.
• Block (Square): Global fintech offering POS systems, payment processing, cash flow tools, and banking-as-a-service. Overlaps with Finrota's Posrapor POS reporting, NAP360 cash flow management, and SMB-focused offerings.

Emerging players

• Mambu: Cloud-native banking platform providing core banking and lending infrastructure for fintechs. Adjacent to Finrota's open banking stack, particularly relevant as Finrota potentially expands into embedded deposit accounts (FSAGALAE territory).

Others

• Akbank / Turkish Bank In-house Treasury: Major Turkish banks (Akbank, Garanti BBVA, Yapı Kredi) are simultaneously integration partners and potential competitors through their in-house corporate banking and cash management platforms. They represent both distribution and competitive threat to Finrota's enterprise platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/finrotacom
• Facebookfacebook.com/finrota
• LinkedInlinkedin.com/company/ecozum

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Finrota