Paratika Ödeme Hizmetleri

What Paratika Ödeme Hizmetleri does

Paratika Ödeme Hizmetleri A.Ş. is a TCMB-licensed payment institution headquartered in Maslak, Istanbul, operating under Payten Teknoloji A.Ş. (itself a subsidiary of Asseco South Eastern Europe). It was established in 2016 under Turkey's Law No. 6493 to provide bank-independent payment acceptance infrastructure, and it markets itself as the developer of Turkey's first bank-independent virtual POS solution. Its core product, Sanal POS, is a cloud-native payment gateway that aggregates 27+ acquiring banks (including Bonus, Axess, Worldcard, QNB, Paraf, Maximum, Bankkart, Advantage, and Kuveyt Türk Sağlam Kart) into a single API integration, exposing one-click payments, recurring billing, card tokenization, 3D Secure 2.2 authentication (Paratika was the first Turkish acquirer to be certified), and built-in fraud control. The product portfolio is rounded out by Fiziki POS for in-store card acceptance, Paratiklink for social commerce/Instagram payment links, Pazaryeri for marketplace sub-merchant settlement, Alışveriş Kredisi (BNPL), and the Tarım Gateway, a 2025-launched aggregator for six agricultural card programs with a "buy now, pay at harvest" model.

Paratika makes money almost entirely on a transaction-based take-rate model, charging merchants a per-transaction commission that varies by category, card type, and volume; published SME promotions cite 1.98% on Fiziki POS and as low as 0.08% on Sanal POS for women-led businesses. Ancillary revenue lines include Physical POS device sale/rental, value-added managed services (tokenization, fraud protection, reconciliation), and bundled installment management. The distribution model is hybrid: direct enterprise sales for large merchants, banks, insurance companies, and government projects; a digital self-service "Hemen Başvur" funnel for SMEs; and an integrator/ISV channel under the Paratika Partner Connect program.

Operationally, Paratika serves 50,000+ merchant outlets in Turkey and claims up to 99.9% transaction success; collectively Paratika and Payten process ~3 billion transactions annually. Reference customers include Aras Kargo, Teknosa, Mango, Sahibinden.com, İş Bankası, Boyner Grup, Kitapyurdu.com, Kuşadası Belediyesi (the "Adalı Kart" municipal project), and 20 insurance companies. The platform is certified to PCI-DSS Level 1, ISO/IEC 27001:2022, and ISO 22301:2019, and in April 2025 Paratika applied to TCMB for open-banking license expansion under clauses 'f' and 'g'.

Name

Paratika Ödeme Hizmetleri

Legal name

Paratika Ödeme Hizmetleri Anonim Şirketi

Website

https://paratika.com.tr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Paratika Ödeme Hizmetleri is a TCMB-licensed Turkish payment institution offering a bank-independent virtual POS and physical POS gateway that aggregates 27+ acquiring banks into a single API, serving 50,000+ merchants across e-commerce, retail, marketplaces, insurance, and agriculture.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)

akta.pro primary industry

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Payment gateway services
• Virtual POS solutions
• Merchant acquiring services
• Online payment processing
• Card payment infrastructure

Headquarters

HQ city

Sariyer

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Komisyon Ücretleri (Transaction Commission): Paratika charges merchants a commission rate per transaction processed through its virtual and physical POS infrastructure. Commission rates vary by merchant category, volume, and card type. For Physical POS, a promotional rate of 1.98% is offered to SMEs. Virtual POS rates start from 0.08% for women-led businesses. Commission is charged per successful transaction as a percentage of the transaction value.
2. İşlem Ücretleri (Transaction Fees): Additional per-transaction fees may apply beyond the commission rate, as referenced in the member merchant agreement (Üye İşyeri Sözleşmesi) which references 'işlem ücreti' (transaction fee) in addition to commission.
3. Fiziki POS Cihaz Satış/Kiralama: Paratika provides Physical POS devices to merchants, which may involve device sales or rental as part of the revenue model.
4. Katma Değerli Hizmetler: Additional services such as card storage (tokenization), fraud protection, reconciliation tools, and installment management that may be bundled or charged separately.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

Paratika is a TCMB-licensed payment institution that operates a bank-independent, multi-acquiring payment gateway enabling Turkish merchants to accept online and in-store card payments through a single technical integration. It bundles virtual POS, physical POS terminals, marketplace payment orchestration, BNPL shopping credit, and agricultural card payments into a unified platform connecting 50,000+ merchants to 27+ acquiring banks with up to 99.9% successful transaction rates and next-day settlement.

Product overview

Paratika Ödeme Hizmetleri A.Ş. is a TCMB-licensed payment institution that provides a unified payment acceptance platform combining virtual POS, physical POS, social commerce (Paratiklink), marketplace payment orchestration (Pazaryeri), shopping credit (Alışveriş Kredisi), and agricultural card payments (Tarım Gateway). The product portfolio is anchored by the Sanal POS core offering, which bundles one-click payment, recurring billing, fraud control, and single-channel reconciliation in a single integration. Physical POS extends acceptance to in-store environments. The ecosystem is underpinned by the Payten Fintech Suite and Nestpay/Torus infrastructure platform developed by parent company Payten (an Asseco South Eastern Europe group company), enabling both Turkish domestic and cross-border payment operations across 35+ banks and 50,000+ merchant outlets.

Differentiator

Problem solved

Functional benefit

Products and services

• Sanal POS (Virtual POS)
• Fiziki POS (Physical POS)
• Paratiklink
• Pazaryeri (Marketplace Payments)
• Alışveriş Kredisi (BNPL)
• Tarım Gateway (Agricultural Payment Gateway)

Quantifiable outcome

• Up to 99.9% successful transaction rate
• +5 more outcomes

Named customers13 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature10 records

Partnerships

Six partnerships are on record, tiered core and minor.

• FinekracoreStrategic or Co-development Partner · 3 December 2025Finekra, a fintech company focused on financial and accounting process digitization, formed a strategic partnership with Paratika. The collaboration integrates Paratika's virtual POS infrastructure into Finekra's ecosystem, enabling firms to access secure and efficient payment solutions for online collection processes. This partnership aims to expand digital payment adoption among Finekra's existing customer base.
• Kuşadası Belediyesi (Adalı Kart)minorStrategic or Co-development Partner · 22 February 2024Payten provided the payment infrastructure for Kuşadası Municipality's 'Adalı Kart' project - a social responsibility initiative providing citizens with a benefits card that can be used at participating member businesses.
• İş Bankası (Maximum Mobil)coreTechnology or Integration · 7 September 2019İş Bankası opened its mobile payment method 'Maximum Mobil ile Öde' for integration with Paratika's Nestpay virtual POS infrastructure. This enables Paratika merchant outlets to accept İş Bankası's mobile payment solution.
• TakasbankcoreStrategic or Co-development PartnerParatika partnered with Takasbank (Turkey's Central Securities Depository) to provide payment infrastructure for the 'Pay Dayalı Kitle Fonlama' (Equity-Based Crowdfunding) platform. Paratika handles investment and payment transactions for crowdfunding campaigns under state supervision. This project won the MPE Award in Berlin in 2022.
• Payten (Parent Company)coreTechnology or IntegrationParatika is a payment institution brand under Payten Türkiye, which is itself a subsidiary of Asseco South Eastern Europe (ASEE). Paratika uses Payten's Nestpay technology infrastructure and Payten's global fintech ecosystem. Payten provides the broader technology platform (Fintech Suite) that Paratika operates on.
• Asseco South Eastern Europe (ASEE)coreTechnology or IntegrationASEE is the parent group of Payten and ultimately of Paratika. ASEE operates across 60 countries with 30+ years of experience. The group provides strategic technology investments and regional expansion support (India, Egypt, Portugal operations) that benefit Paratika's service capabilities.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Param: Param is a Turkish e-money and payment institution offering virtual POS, physical POS, and digital wallet solutions to merchants — overlapping Paratika's core acquiring and settlement product line.
• iyzico: iyzico is a leading Turkish payment processor and PayFac (owned by PayU/Lycamobile) offering virtual POS, marketplace payments, and installment/BNPL for online merchants — a direct competitor to Paratika in the same Turkish e-commerce acquiring market.
• PayTR: PayTR is a Turkish payment gateway and e-money institution providing virtual POS, marketplace acquiring, and installment support to SMEs — a near-direct functional competitor in the same geography.
• PayU Turkey: PayU Turkey is the parent of iyzico and competes globally and in Turkey with online payment gateway, marketplace, and BNPL offerings, overlapping Paratika's core virtual POS and Pazaryeri propositions.
• Sipay: Sipay is a Turkish digital payments platform offering virtual POS, physical POS, and payment orchestration for e-commerce and retail merchants — directly comparable in product mix and customer segment to Paratika.

Broad incumbents

• Stripe: Stripe is a global payment processor increasingly serving cross-border Turkish merchants; while not a direct domestic acquirer, it competes for the same online merchant wallet with developer-friendly APIs similar to Paratika's.
• BKM (Bankalararası Kart Merkezi): BKM is Turkey's interbank card center that operates the national card-switching infrastructure and tokenization services; Paratika's board includes former BKM chairmen, and BKM sits upstream of all Turkish acquiring.
• Visa Turkey: Visa's Turkish operations underpin the card rails Paratika's multi-acquirer gateway aggregates; Visa also enables direct bank acceptance and tokenization that can compete with Paratika's services.
• Mastercard Turkey: Mastercard operates the card network on which a significant share of Paratika's transactions ride and competes indirectly by enabling bank-side acquiring products that bypass payment institutions.

Emerging players

• Craftgate: Craftgate is a Turkish payment gateway targeting e-commerce and SMEs with virtual POS and installment support — an emerging direct competitor with comparable product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/paratikacomtr
• YouTubeyoutube.com/channel/UCtYSl_ckstG80xqoaRvt57A
• Facebookfacebook.com/paratikacomtr
• LinkedInlinkedin.com/company/10938453
• Instagraminstagram.com/paratikacomtr

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Paratika Ödeme Hizmetleri