EticSoft Bilgi Teknolojileri

What EticSoft Bilgi Teknolojileri does

EticSoft Bilgi Teknolojileri A.Ş. is a privately held Turkish fintech software vendor founded in the early 2000s by Mahmut GÜLERCE, headquartered within the Akdeniz University Teknokent R&D zone in Antalya. The company builds and licenses payment processing, fraud detection, and core banking-adjacent software to banks, payment institutions, and merchants primarily in Turkey, with a self-described leading position in the Turkish payment gateway software market by registered merchant count and transactions.

Its product portfolio centers on a platform-plus-modules architecture. BPCS (Bank Payment Processing Complete Solution) provides customizable banking architecture for banks; PFCS (Payment Institution Complete Solution) offers a turnkey stack for new payment institutions; and FP-007 delivers hybrid AI- and rule-based fraud prevention as Fintech-as-a-Service. Merchant-facing products include SanalPos PRO, a free open-source payment integration module for PrestaShop, OpenCart, and WooCommerce, plus Eticpos (POS), CepPOS (mobile payments developed with Emlak Katılım Bank), and an Online Payment System. The technology is built around open-source e-commerce integration and Turkish banking-rail interoperability.

Commercially, EticSoft monetizes via licensing of BPCS/PFCS, custom integration and consulting services, and partnership arrangements with banks and payment institutions that distribute SanalPos PRO modules to merchants. Pricing is quote-based and not publicly disclosed. Go-to-market relies on direct sales to financial institutions, bank-led distribution to merchants, and a content/blog-driven top-of-funnel marketing approach, supported by an ecosystem of dozens of bank and PI integrations including Garanti BBVA, Emlak Katılım Bank, Tami, PayTr, iPara, MOKA, Ozan, Payzee, Mypayz, and Masterpass Turkey. The company operates as an unlisted Anonim Şirketi (Turkish A.Ş.) with no disclosed external institutional funding.

Name

EticSoft Bilgi Teknolojileri

Legal name

Eticsoft Bilgi Teknolojileri Anonim Şirketi

Website

https://eticsoft.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Fintech Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Software Publishers (5132)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Payment gateway software
• Fintech compliance solutions
• Fraud prevention systems
• Core banking software
• E-commerce payment integration

Headquarters

HQ city

Antalya

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing and Integration Services: EticSoft generates revenue through licensing its fintech software products (BPCS, PFCS, payment gateways) to banks and payment institutions, along with custom integration and development services.
2. Open-Source E-Commerce Modules: Free integration plugins for e-commerce platforms (WooCommerce, PrestaShop, OpenCart) that are distributed to partner institutions' merchants. Revenue comes from partnership agreements with banks and payment institutions rather than direct merchant fees.
3. Fintech Consulting Services: Consulting services sharing 20 years of hands-on fintech experience to help institutions achieve efficient, sustainable, and secure operations.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

EticSoft develops and delivers fintech software for banks, payment institutions, and merchants in Turkey, including customizable banking and payment-institution platforms (BPCS, PFCS), AI-based fraud prevention (FP-007), and open-source payment integration modules for e-commerce platforms. The company provides end-to-end solutions covering payment processing, regulatory compliance, fraud/risk detection, mobile POS, virtual POS, and supporting consulting and integration services.

Product overview

EticSoft Bilgi Teknolojileri is a fintech company offering a comprehensive portfolio of financial technology products. The portfolio consists of core banking and payment solutions (BPCS, PFCS) for financial institutions, merchant-facing payment products (SanalPos PRO, Eticpos, Online Payment System, CepPOS), fraud prevention (FP-007), and professional services (Custom Mobile Apps Development, Fintech Consulting). The architecture follows a platform-plus-modules approach where BPCS and PFCS serve as comprehensive backend platforms for banks and payment institutions, while SanalPos PRO provides e-commerce payment integrations for merchants. The company also operates E-Shop (shop.eticsoft.com) as its product distribution platform.

Differentiator

Problem solved

Functional benefit

Brands

• Eticpos: POS payment solution brand for merchants
• Sanal Pos PRO
• Online Payment System
• E-Shop
• CepPOS
• BPCS
• PFCS
• FP-007
• PayTHOR

Products and services

• BPCS (Bank Payment Processing Complete Solution) A customizable banking software platform that provides banks with end-to-end payment processing, core banking capabilities, and compliance infrastructure. Targeted at licensed banks in Turkey.
• PFCS (Payment Institution Complete Solution) A complete software platform for licensed payment institutions and e-money issuers, supporting payment processing, regulatory compliance, and operational workflows. Targeted at non-bank payment service providers.
• FP-007 (AI Fraud Prevention & Risk Detection) An AI/algorithm-based fraud prevention and risk-detection system used to identify suspicious transactions and payment fraud in real time. Targeted at banks, payment institutions, and merchants running high-volume payment flows.
• SanalPos PRO A virtual POS (online card acceptance) product that allows merchants to accept online card payments through EticSoft's payment infrastructure. Targeted at online merchants and e-commerce businesses.
• CepPOS A mobile POS application that turns a mobile device into a card-acceptance terminal for merchants. Targeted at small merchants, field sales, and on-the-go payment acceptance.
• Eticpos A POS / payment-acceptance software product in EticSoft's lineup, supporting in-person or integrated card-present transactions for merchants. Targeted at merchants needing EticSoft's branded acceptance tooling.
• Online Payment System An online payment processing system that connects merchants to acquiring banks or payment institutions, routing transactions for authorization and settlement. Targeted at online merchants integrating card or alternative payment methods.
• Open-Source E-Commerce Payment Modules Freely distributed open-source modules/plugins (e.g., for popular e-commerce platforms) that enable merchants to plug EticSoft's payment processing into their online stores. Targeted at developers and merchants using open-source e-commerce platforms.
• Fintech Consulting Services Consulting and advisory services covering fintech, payment systems, regulatory compliance, and security for banks, payment institutions, and merchants. Targeted at institutions needing domain expertise around payments and compliance.
• Custom Mobile Payment Application Development Bespoke development of branded mobile payment applications for banks, payment institutions, and merchants. Targeted at institutions wanting a customized mobile payment app built on EticSoft's payment infrastructure.

Quantifiable outcome

• Leader in Turkey's payment gateway software market based on number of registered merchants and transactions

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability1 record

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Tami Multi-Bank POScoreStrategic or Co-development Partner · 22 May 2026EticSoft partners with Tami Multi-Bank POS, backed by Garanti BBVA, to offer faster and more secure Virtual POS PRO integration for PrestaShop, OpenCart, and WooCommerce platforms.
• Garanti BBVAcoreStrategic or Co-development Partner · 26 January 2026Special campaign partnership offering 0% commission, blocked payment options, and free first-year use for businesses using Garanti BBVA Virtual POS for the first time.
• PayTrcoreTechnology or IntegrationStrategic partnership integrating PayTr's payment gateway infrastructure with EticSoft's SanalPos PRO platform for enhanced digital payment solutions.
• Ozan Electronic MoneyminorStrategic or Co-development PartnerCollaboration agreement with Ozan Elektronik Para, one of Turkey's innovative electronic money and payment institutions.
• Unified Payment (Payzee)minorStrategic or Co-development PartnerPartnership agreement with Birleşik Ödeme (Payzee), a prominent electronic money and payment institution in Turkey, for SanalPosPRO integration.
• Masterpass TurkeycoreTechnology or IntegrationEticSoft's Sanal Pos Pro was chosen as the solution for open-source platform integrations in the Masterpass Turkey project.
• Emlak Katılım BankcoreStrategic or Co-development PartnerMajor fintech development project (CepPOS) for end-to-end e-payment processing infrastructure. Emlak Katılım Bank is one of Turkey's oldest banking institutions.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Mastercard Gateway Services (formerly DataCash): Global payment gateway and orchestration platform that EticSoft integrates with via its Masterpass Turkey partnership. Represents the broader incumbent tier for enterprise payment infrastructure.
• Turkcell Ödeme ve Elektronik Para Hizmetleri: Telecom-backed Turkish payment institution offering mobile payments, digital wallet, and gateway services. Broader incumbent with consumer wallet scale EticSoft does not have, but comparable in payment infrastructure for banks and merchants.
• Papara: Large Turkish fintech offering digital wallet, prepaid card, and merchant payment services. Broader scope than EticSoft but competes for bank/PI payment infrastructure relationships and merchant acceptance.
• Stripe: Global payment processing platform that, while not a direct competitor in Turkey's local banking infrastructure, provides a comparable merchant gateway and fraud tools architecture and represents the ceiling for scaling platform economics.

Direct peers

• Param: Turkish payment institution offering payment gateway, e-commerce, and POS solutions. Closely comparable to EticSoft's PFCS and SanalPos PRO, targeting the same banks, merchants, and e-commerce platforms in Turkey.
• PayTR: Turkish payment institution (and listed partner of EticSoft) that provides virtual POS, marketplace payment, and e-commerce integrations. Partial overlap on partner side but competes for merchant and bank relationships.
• Craftgate: Turkish payment gateway platform serving online merchants with card payments, fraud prevention, and installment options. Direct overlap with EticSoft's SanalPos PRO and Online Payment System offerings.
• iyzico: Turkish payment gateway serving merchants and marketplaces with online card payments, mobile payments, and fraud tools. Direct competitor to EticSoft's SanalPos PRO and payment gateway products in the Turkish SMB and enterprise segment.
• Sipay Electronic Money & Payment Services: Turkish payment institution providing payment gateway, virtual POS, and merchant acquiring services. Competes directly with EticSoft for bank and merchant integrations across WooCommerce, PrestaShop, and OpenCart.
• Token Financial Technologies: Turkish fintech providing payment gateway, POS, and integrated software for banks and merchants. Comparable to EticSoft's PFCS and Eticpos product lines in the Turkish market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/eticsoft

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 EticSoft Bilgi Teknolojileri