MARTA
MARTA is a Tashkent-based SoftPOS provider that converts Android NFC smartphones into contactless payment terminals with built-in fiscal compliance for Uzbekistan's small businesses and self-employed individuals.
- Company typePrivate
- Founded2020
- HeadquartersTashkent, Uzbekistan
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What MARTA does
MARTA is a Tashkent, Uzbekistan-based private company that operates a SoftPOS (Software Point of Sale) solution branded as MARTA Terminal. Developed by MayaSoft JSC and founded in 2020, the company transforms any Android smartphone with NFC into a contactless payment terminal, eliminating the need for dedicated POS hardware. Its target customers are small and medium businesses, individual entrepreneurs, and self-employed persons in Uzbekistan who need low-cost, compliant payment acceptance.
The platform combines two integrated products in a single mobile application: contactless payment acceptance (supporting Visa, Mastercard, the national schemes Humo and Uzcard, the TezQR QR-payment system, and mobile wallets Google Pay, Apple Pay, and Samsung Pay) and a free online cash register that fiscalizes sales for Uzbekistan tax compliance. The solution is PCI DSS certified and supports offline transaction acceptance for subscribers of MobiUz and UCell. A personal account provides reporting and business analytics for merchants.
MARTA monetizes through transaction fees under two published tariffs: the "To Account" plan charges 0.35% on domestic Humo/Uzcard and 1.5% on international Visa/Mastercard, with funds settled to a bank account; the "To Card" plan charges 1.0% and 2.0% respectively, with funds settled directly to a Humo or Uzcard payment card. There are no subscription fees, minimum turnover requirements, or device/maintenance charges. Distribution combines self-serve digital onboarding via the website and Google Play Store with registration through 15+ partner banks across Uzbekistan. No funding rounds, institutional investors, or disclosed revenue figures are present in the available data.
MARTA firmographics
Firmographics- Name
- MARTA
- Legal name
- MARTA
- Website
- https://marta.uz
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- MARTA is a Tashkent-based SoftPOS provider that converts Android NFC smartphones into contactless payment terminals with built-in fiscal compliance for Uzbekistan's small businesses and self-employed individuals.
- Ownership category
- akta.pro rank
MARTA industry classification
Industry- Product category
- Mobile Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)
- akta.pro secondary industry
- Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG)
Keywords
Where MARTA is headquartered
LocationHeadquarters
- HQ city
- Tashkent
- HQ country
- Uzbekistan
- HQ region
- Asia
Offices1 record
Markets served
MARTA business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel
Revenue model
- Card Processing Fees (To Account): Transaction-based fees charged on card payments. Tariff 'To Account' offers 0.35% for domestic Humo/Uzcard cards and 1.5% for international Visa/Mastercard. Proceeds are withdrawn to a bank account. No minimum turnover or subscription fees.
- Card Processing Fees (To Card): Alternative tariff where funds are withdrawn directly to Humo or Uzcard payment cards. Higher rates of 1.0% for domestic cards and 2.0% for international cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Tariff 'To Account' - 0.35% for Humo/Uzcard, 1.5% for Visa/Mastercard, 0 sum for online cash register |
| Transaction based/ take rate | Pay-as-you-go | Tariff 'To Card' - 1.0% for Humo/Uzcard, 2.0% for Visa/Mastercard |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
MARTA product offering
Product offeringCore offering
MARTA provides a SoftPOS mobile application called MARTA Terminal that transforms any NFC-enabled Android smartphone into a contactless payment terminal. The service integrates online cash register functionality for fiscal compliance with Uzbekistan tax regulations, accepting Visa, Mastercard, Humo, Uzcard, TezQR, Google Pay, Apple Pay, and Samsung Pay transactions. Merchants pay transaction-based fees with no subscription or minimum turnover requirements under two tariffs: 'To Account' (0.35% domestic, 1.5% international) and 'To Card' (1.0% domestic, 2.0% international).
Product overview
MARTA offers a unified SoftPOS solution called MARTA Terminal that transforms Android smartphones with NFC into payment terminals. The product includes two integrated components: the core SoftPOS payment acceptance application and an embedded online cash register for fiscal compliance. The system supports multiple payment methods including contactless cards (Visa, Mastercard, Humo, Uzcard), mobile wallets (Google Pay, Apple Pay, Samsung Pay), and QR payments (TezQR). The solution is available through two tariff plans: 'To Account' for direct bank account withdrawals and 'To Card' for card-to-card transfers, targeting small and medium businesses, individual entrepreneurs, and self-employed persons in Uzbekistan.
Differentiator
Problem solved
Functional benefit
Products and services
- MARTA Terminal Software-based Point of Sale (SoftPOS) mobile application that transforms any Android smartphone with NFC into a payment terminal for accepting contactless card payments from Mastercard, Visa, Humo, Uzcard, TezQR, Google Pay, Apple Pay, and Samsung Pay. Includes integrated online cash register functionality for fiscal compliance with Uzbekistan tax regulations. Designed for small and medium businesses, individual entrepreneurs, and self-employed persons. Available under two tariff plans: 'To Account' (proceeds withdrawn to bank account) and 'To Card' (proceeds withdrawn to Humo or Uzcard payment card). PCI DSS compliant with offline payment capability for MobiUz and UCell subscribers.
Quantifiable outcome
- Zero cost for POS device and maintenance
- +1 more outcomes
Companies that use MARTA
Customer profileSegments4 records
Ideal customer profiles3 records
MARTA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature5 records
MARTA partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core.
- BRB (Bank)coreBRB bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- XB (Xb.uz)coreXB bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Davr BankcoreDavr Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Alliance Bank (AllCash)coreAlliance bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Asaka BankcoreAsaka Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Ipoteka BankcoreIpoteka Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Hamkor BankcoreHamkor Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Ipakyuli BankcoreIpakyuli Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Trast BankcoreTrast Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Garant BankcoreGarant Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Anor BankcoreAnor Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- MikroKreditBank (MKB)coreMikroKreditBank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- Universal BankcoreUniversal Bank serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- OFB (OFB.uz)coreOFB serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- SQB (SQB.uz)coreSQB serves as a registration partner for MARTA POS, allowing customers to sign up for the service through the bank.
- MayaSoft JSCcoreMayaSoft JSC is the developer of the MARTA POS solution. The company developed the SoftPOS technology and application.
Recent moves2 records
Expansion highlights4 records
MARTA competitors and assessment
Company assessmentBroad incumbents
- Mastercard: Global card network integrated into MARTA's acceptance suite; comparable as a broad payments incumbent whose network and standards (including PCI DSS) define the operating environment for SoftPOS providers.
- Visa: Global card network whose rails MARTA relies on for international acceptance; an incumbent whose acceptance infrastructure, branding, and merchant programs shape SoftPOS economics for players like MARTA.
Emerging players
- PhonePe: India-based mobile payments and merchant acceptance platform; comparable to MARTA on merchant-facing payments, QR acceptance, and SMB/self-employed digitization in an emerging market context.
Regional players
- Click (Uzbekistan): Leading Uzbekistan digital payments platform with QR and merchant acquiring services; comparable as a domestic payment acceptance competitor targeting Uzbek SMBs and consumers.
- TBC Bank: Georgia-based bank with payment and merchant acquiring operations across the Caucasus and Central Asia; comparable to MARTA via regional SMB merchant acquiring and digital payment expansion strategy.
- Payme (Uzbekistan): Uzbekistan-focused payments and merchant acquiring service; comparable on domestic payment acceptance for SMBs and self-employed, with similar Uzbek market dynamics to MARTA.
- Uzum: Uzbek fintech ecosystem offering payments, merchant services, and digital banking; comparable to MARTA as a domestic digital-payments platform serving Uzbek SMBs and consumers.
Direct peers
- SumUp: Global SoftPOS/mPOS provider offering card acceptance on smartphones; directly comparable to MARTA on technology, target market (micro and SMB merchants), and fee-based transaction revenue model.
- Block (Square): Provider of mobile POS and contactless acceptance products aimed at small businesses; comparable to MARTA via software-based payment acceptance and merchant analytics focus.
- PayPal Zettle (formerly iZettle): SoftPOS and mobile POS provider for SMBs accepting contactless payments; competes with MARTA on the same hardware-free acceptance model and SMB/self-employed customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
MARTA social profiles
Digital presenceMARTA compliance and trust
Trust signalCompliance1 record
MARTA financial estimates
Financial estimateRevenue estimate
Valuation estimate
MARTA leadership team
Management profileNumber of profiles
MARTA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MARTA 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 MARTA
What does MARTA do?
MARTA provides a SoftPOS mobile application called MARTA Terminal that transforms any NFC-enabled Android smartphone into a contactless payment terminal. The service integrates online cash register functionality for fiscal compliance with Uzbekistan tax regulations, accepting Visa, Mastercard, Humo, Uzcard, TezQR, Google Pay, Apple Pay, and Samsung Pay transactions. Merchants pay transaction-based fees with no subscription or minimum turnover requirements under two tariffs: 'To Account' (0.35% domestic, 1.5% international) and 'To Card' (1.0% domestic, 2.0% international).
Is MARTA a public or private company?
MARTA is a private company. It is classified as corporate owned and is currently operating.
When was MARTA founded?
MARTA was founded in 2020. It employs 1 to 10 people.
Where is MARTA based?
MARTA is headquartered in Tashkent, Uzbekistan, in the Asia region.
How does MARTA make money?
Two revenue lines are on record. Card Processing Fees (To Account) is the primary driver. The others are card Processing Fees (To Card).
Who are MARTA's main competitors?
Broad incumbents on record are Mastercard and Visa. PhonePe is listed as an emerging player. Regional players are Click (Uzbekistan), TBC Bank, Payme (Uzbekistan) and Uzum. Direct peers are SumUp, Block (Square) and PayPal Zettle (formerly iZettle).
Does MARTA have an API?
No public API is recorded for MARTA.
What industry is MARTA in?
MARTA's product category is Mobile Payment Processing. Its primary akta.pro industry code is FSAMACAE, Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods), with a secondary code of CRAFALAG, Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.). Its NAICS code is 522320 and its SIC code is 6199.