Pooya Company

What Pooya Company does

Pooya Company (شرکت پویا) is an Iranian banking-technology provider founded in 1982 (1361 Iranian calendar) by university professors and computer science graduates. The company designs, develops, and manufactures both software and hardware solutions for the Iranian banking sector, serving at least eight major state-owned and private banks including Bank Melli Iran, Bank Melat, Bank Saderat Iran, Bank Sepah, Bank Tejarat, Bank Refah Kargaran, Bank Ayandeh, and Bank Maskan, with several customer relationships spanning 13–37 years.

The product portfolio is organized into a software stack and a hardware stack. The software stack includes core banking systems — Arzesh (international banking affairs / FX), Parto (financial management with IFRS tax transparency), a banking accounts management system, and Kap (card payment platform with banking switch, forex cards, credit cards, and instant card issuance) — plus the Pooya AI Suite comprising five modules (Yekta for real-time fraud detection, Separ for security, and Kara, Tondar, and Chavosh for banking automation, intelligence, and analytics). The hardware stack, produced at the Qazvin manufacturing facility, includes the Self-Bank integrated unmanned branch, VTM, Taam cash deposit/exchange machines, Kartino instant card issuance, the Zarpardaz gold coin vending machine, and the Ganje and Dastan-e-Azad smart locker systems.

Pooya generates revenue primarily through subscription-based enterprise software licensing to Iranian banks, hardware sales of self-service banking equipment, and recurring consulting and technical-support services. The go-to-market is direct enterprise sales targeting a small, concentrated buyer base of major Iranian financial institutions, with pricing set via custom quotation on annual contracts. The company has ~200 full-time employees, allocated up to 25% of net profit to R&D, converted to a public joint-stock company in Dey 1403 (2024–2025), and completed its IPO on the Farabourse Noorafarin market in Tir 1404 (July 2025) under ticker رپویا. Management has articulated plans to expand B2C activities over the next three years and pursue international markets while maintaining the core B2B banking franchise.

Name

Pooya Company

Legal name

Pooya Company (شرکت پویا)

Website

https://pooya.ir

Company type

Public

Founded year

1982

Operating status

Ipo

Headcount range

11–50 employees

Short description

Iranian banking-technology company founded in 1982 providing integrated software and hardware — core banking systems, AI-powered fraud detection, and self-service banking terminals — to major Iranian banks via long-term enterprise contracts, recently listed on the Farabourse Noorafarin market.

Ownership category

akta.pro rank

Product category

Banking Software and Hardware Solutions

NAICS

Software Publishers (5132), Computer Systems Design and Related Services (54151)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)

akta.pro secondary industries

POS Terminal Hardware (Countertop, Mobile, PIN Pads) (FSAMADAA), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Core banking software
• Banking hardware systems
• Card payment processing
• Self-service banking terminals
• Banking fraud detection AI

Headquarters

HQ city

Tehran

HQ country

Iran

HQ region

Middle East

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Banking Software Systems: Core banking software systems including foreign exchange, financial management, and card payment platforms. Major revenue driver representing the bulk of operational revenues.
2. Banking Hardware Products: Self-service banking terminals, card issuance machines, gold coin dispensers, and smart lockers manufactured in-house.
3. Consulting and Support Services: Professional services including consulting and ongoing technical support for deployed systems.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Pooya Company designs, develops, and manufactures integrated banking software and hardware solutions for the Iranian banking sector. Its software portfolio covers core banking (foreign exchange via Arzesh, financial management via Parto, account management, and card payment via Kap), complemented by the Pooya AI Suite for fraud detection and analytics. Its hardware portfolio includes self-service banking terminals (Self-Bank/Taam), gold coin vending machines (Zarpardaz), instant card issuance (Kartino), VTM systems, and smart locker solutions, all produced at its manufacturing facility in Qazvin.

Product overview

Pooya Company is an Iranian banking technology company offering a comprehensive portfolio of software and hardware solutions for the banking sector. The software portfolio includes core banking systems (Arzesh for forex/international banking, Partov for financial management, banking accounts management, and Kap for card payments), complemented by the Pooya AI Suite featuring five AI-powered modules (Yekta for fraud detection, Separ for security, Kara, Tondar, and Chavosh). The hardware portfolio includes self-service banking solutions (VTM, self-banks, ATMs), the Zarpardaz gold coin vending machine, Kartino card issuance system, and smart locker solutions. All products are developed domestically in Iran with a focus on digital banking transformation.

Differentiator

Problem solved

Functional benefit

Brands

• ارزش (Arzesh): Comprehensive foreign exchange banking system (Core FX banking system)
• پرتو (Parto)
• کاپ (Kap)
• هوش افزار پویا (Pooya AI)
• خودبانک تام (Taam)
• زرپرداز (Zarpardaz)
• کارتینو (Kartino)
• دستان آزاد (Dastan-e-Azad)
• گنجه هوشمند پویا (Ganje Smart Locker)

Products and services

• Arzesh (ارزش) - Core System for International Banking Affairs Comprehensive core banking system for international banking affairs (forex), covering letters of credit, forex facilities, guarantees, transactions, SWIFT/SEPAM, and forex accounting, designed for Iranian commercial banks.
• Parto (Partov) (پرتو) - Core Financial Management System Comprehensive financial management system with tax transparency features supporting IFRS compliance for Iranian banks.
• Pooya Banking Accounts Management System Comprehensive system for managing all types of bank accounts including deposits, current accounts, and savings accounts, designed for Iranian banks.
• Kap (کاپ) - Core Card Payment System Comprehensive card payment system including banking switch, forex cards, credit cards, and instant card issuance capabilities for Iranian banks.
• Pooya AI Suite (هوش افزار پویا) AI-powered systems suite bundling Yekta (fraud detection), Separ (security), Kara, Tondar, and Chavosh for banking AI applications, marketed to Iranian banks for fraud, security, and analytics use cases.
• Yekta (یکتا) - Online Fraud Detection System Standalone AI-based online fraud detection system that identifies and prevents fraudulent banking transactions in real time using machine learning.
• Taam (تام) - Cash Deposit and Exchange Machine Self-service banking hardware machine for cash deposits, withdrawals, and currency exchange operations deployed at Iranian bank branches.
• Zarpardaz (زرپرداز) - Gold Coin Vending Machine Automated vending machine dispensing up to 4 types of gold coins at spot prices with real-time pricing capability, for Iranian banks and bullion sellers.
• Kartino (کارتینو) - Card Issuer Automated bank card issuance machine that can issue cards in a fraction of a minute, intended for branch and self-service deployment.
• VTM (Video Teller Machine) Video Teller Machine for semi-automated banking operations including check deposits, card issuance, and account opening 24/7 via remote video teller.
• Self-Bank (خودبانک جامع) Integrated self-service banking branch combining ATM, VTM, card issuance, and currency exchange in a single unmanned unit for staffless branch deployment.
• Ganje Smart Locker (گنجه هوشمند پویا) Smart locker system for secure storage solutions deployed in cultural, sports, and commercial centers.
• Dastan-e Azad (دستان آزاد) - Smart Locker Smart locker system for hands-free secure storage of personal belongings in public venues such as cultural and sports centers.

Quantifiable outcome

• Average 45% revenue growth over 5 years
• +1 more outcomes

Named customers8 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature9 records

Partnerships

One partnership is on record.

• Bank Saderat Iran (بانک صادرات ایران)coreTechnology or Integration · 13 October 1403Won a major tender to deploy the Arzesh Core Foreign Exchange system, joining one of Iran's five major banks to Pooya's customer base. This represents significant strategic expansion as Bank Saderat joins Pooya's portfolio of banking customers.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• Newgen Software: India-listed digital transformation platform provider with strong banking and financial services footprint. Comparable in offering core banking process automation, content management, and customer onboarding to banks.
• Thought Machine: UK cloud-native core banking platform vendor serving challenger and incumbent banks. Represents the modern architectural alternative that may eventually pressure on-premise legacy core banking stacks like Pooya's.

Broad incumbents

• Jack Henry & Associates: US-listed core banking, payments, and digital banking platform vendor serving community and mid-sized banks. Overlaps with Pooya's core banking software and card payment business for retail and commercial banks.
• FIS (Fidelity National Information Services): Large US-listed banking and payments technology vendor covering core processing, card issuing, merchant acquiring, and risk. Comparable to Pooya's full-stack banking software + card payment + AI positioning at much larger scale.

Others

• Glory Global Solutions: Global manufacturer of cash handling, counting, and recycling equipment used by banks and retailers. Comparable to Pooya's Taam cash deposit and exchange machine hardware line.

Direct peers

• Temenos: Swiss-headquartered core banking software vendor serving retail, corporate, and Islamic banks globally. Highly comparable to Pooya's Arzesh/Partov core banking stack, though Temenos operates at much larger scale across multiple geographies.
• NCR Atleos: ATM and self-service banking hardware manufacturer spun out of NCR. Directly comparable to Pooya's Self-Bank, VTM, Taam cash deposit machine, and Kartino card issuance hardware lines.
• Diebold Nixdorf: Global provider of banking self-service hardware and software (ATMs, cash recyclers, branch transformation). Comparable to Pooya's hardware-plus-software self-service banking bundle, including Self-Bank and Zarpardaz.
• ACI Worldwide: Real-time payment processing and banking switch software provider. Directly comparable to Pooya's Kap card payment system and banking switch, both serving as core payment infrastructure for banks.
• Intellect Design Arena: India-based banking software vendor offering core banking, lending, payments, and digital banking suites. Comparable product mix to Pooya, particularly for emerging-market and Islamic banking contexts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pooya-co-inc-
• Instagraminstagram.com/pooya.co

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 Pooya Company