What Tami does

Tami (Garanti Ödeme ve Elektronik Para Hizmetleri A.Ş.) is a Turkish licensed Payment and Electronic Money Institution operating under Law No. 6493, established with 81% ownership by Garanti BBVA and 19% by Garanti Ödeme Sistemleri A.Ş. The company provides a digital payments ecosystem to Turkish SMB merchants and consumers through three core offerings: Tami Sanal POS (a virtual point-of-sale accepting all major Turkish bank card networks — Bonus, World, Maximum, Axess, Cardfinans, Paraf, Bankkart, Advantage — via a single API integration), Tami CepPOS (a mobile phone-based contactless payment acceptance product using NFC with VUK 507 e-invoice compliance), and Tami Kart (an instantly-issued prepaid card featuring QR-based peer-to-peer transfers, free inter-user transfers, cashback rewards, and an -18 variant with parental controls for users aged 12-18). The core stack is complemented by Linkli Ödeme (shareable payment links), Ortak Ödeme Sayfası (hosted checkout page handling PCI DSS and SSL on Tami's side), Masterpass one-click wallet integration, free open-source plugins for WooCommerce, OpenCart, PrestaShop, and MagentoCommerce, QR ile Transfer for P2P, and Fatura Ödeme for utility bill payments.

The business operates a transaction-fee model charging a flat 2.85% commission on successful Sanal POS and CepPOS transactions, with no setup, monthly, or installation fees. Tami Kart generates selective fees (50 TL physical card issuance, 3.90% credit card loading including BSMV) plus cashback revenue from merchant partnerships. Distribution is fully self-serve digital — onboarding through portal.tami.com.tr and the Tami mobile app in five steps — augmented by Garanti BBVA's physical branch network for CepPOS applications, a 24/7 customer contact center (444 0 777), a Developer Portal and sandbox at dev.tami.com.tr, and a 25+ partner ecosystem of e-commerce platforms, business SaaS, and consumer brands that bundle Tami POS with discounted packages. The platform runs on Garanti BBVA's banking infrastructure, holds PCI DSS certification, supports 3D Secure authentication, and serves users across all 81 provinces of Turkey via Garanti BBVA's ATM network.

Tami is headquartered in Istanbul (Beşiktaş), led by General Manager Melda Çetin (since 2022), and operates as a private subsidiary of Garanti BBVA. Its operating geography is exclusively Turkey, with no disclosed expansion outside the country. The company was formally relicensed as a standalone EMI in 2024, with its marketing positioning emphasizing transparent pricing, fast settlement, and broad card-network compatibility as the principal differentiation versus incumbent acquirers.

Name

Tami

Legal name

Garanti Ödeme ve Elektronik Para Hizmetleri A.Ş

Website

https://tami.com.tr

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Tami (Garanti Ödeme ve Elektronik Para Hizmetleri A.Ş.) is a Turkish licensed Payment and Electronic Money Institution majority-owned by Garanti BBVA, offering virtual POS (Sanal POS), mobile phone-based contactless POS (CepPOS), and a prepaid card with cashback (Tami Kart) to SMB merchants and consumers across Turkey.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Virtual POS services
• Mobile payment acceptance
• Prepaid card solutions
• Contactless payment processing
• Electronic money institution

Headquarters

HQ city

Istanbul

HQ country

Türkiye

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Commission - Sanal POS: Tami charges 2.85% commission per successful transaction on virtual POS payments. No setup fees, no monthly fees, no installation costs. This is the primary revenue stream.
2. Transaction Commission - CepPOS: Same 2.85% commission rate applies to mobile POS transactions. No device rental or maintenance fees. Includes 1,000 free credits for e-invoicing (VUK 507 compliant).
3. Tami Card Fees: Physical card issuance fee of 50 TL (one-time). Credit card loading fee of 3.90% (including BSMV). Inter-user transfers are free. Annual usage fee is free.
4. Cashback/Promotional Campaigns: Revenue generated through merchant partnerships and campaign collaborations where Tami drives customer spending to partner merchants in exchange for revenue share or promotional fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Tami (Garanti Ödeme ve Elektronik Para Hizmetleri A.Ş.) is a licensed Payment and Electronic Money Institution that provides a digital payments ecosystem including Tami Sanal POS for online merchant card acceptance, Tami CepPOS for mobile phone-based contactless payment acceptance, and Tami Kart as a prepaid consumer card with cashback rewards. Services are delivered through a self-serve mobile app and web platform, backed by Garanti BBVA's banking infrastructure and PCI DSS compliance, targeting both Turkish merchants (B2B) and individual consumers (B2C).

Product overview

Tami (Garanti Ödeme ve Elektronik Para Hizmetleri A.Ş.) is a licensed Payment and Electronic Money Institution offering a comprehensive digital payments ecosystem. The product portfolio centers on three core offerings: Tami Sanal POS for online merchant payments, Tami CepPOS for mobile phone-based contactless payments, and Tami Kart as a prepaid card solution with cashback rewards. These are complemented by payment solutions including Linkli Ödeme (payment links), Ortak Ödeme Sayfası (hosted checkout), Masterpass integration, and QR-based peer-to-peer transfers. The ecosystem also includes e-commerce platform plugins (WooCommerce, OpenCart, PrestaShop, MagentoCommerce) for merchant integrations, parental control features for teen accounts, and bill payment services. All offerings are backed by Garanti BBVA's secure infrastructure and regulatory licensing under Turkish Law 6493.

Differentiator

Problem solved

Functional benefit

Products and services

• Tami Sanal POS Virtual point-of-sale solution that lets merchants accept online card payments through a single API integration. Supports installment payments on all major Turkish bank cards (Bonus, World, Maximum, Axess, Cardfinans, Paraf, Bankkart, Advantage) and is built on PCI DSS certified infrastructure with 3D Secure authentication. Targeted at online merchants, e-commerce businesses, and SMEs in Turkey.
• Tami CepPOS Mobile phone-based contactless payment acceptance solution that transforms a merchant's smartphone into a POS device using NFC technology. Enables payment collection anywhere without physical POS hardware and is VUK 507 compliant for e-invoice (e-fatura) management. Targeted at mobile merchants, pop-up vendors, door-to-door sellers, and field sales operations in Turkey.
• Tami Kart Prepaid card solution for individual consumers offering instant virtual card creation, QR-based peer-to-peer transfers free of charge, cashback rewards at partner merchants, ATM cash deposit/withdrawal at Garanti BBVA ATMs across 81 Turkish provinces, and online 3D Secure transactions. Includes a -18 variant for users aged 12-18 with parental controls for sector-based spending restrictions and transaction monitoring.

Quantifiable outcome

• 2.85% transaction commission rate with no fixed fees
• +2 more outcomes

Named customers5 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

Integration9 records

Feature10 records

Partnerships

30 partnerships are on record, tiered flagship, core and minor.

• TicimaxflagshipGTM or Marketing PartnerLeading Turkish e-commerce platform. Tami-San POS users receive up to 60% discount on Ticimax e-commerce packages. Active campaign partner.
• T-SoftflagshipGTM or Marketing PartnerMajor Turkish e-commerce platform. Tami Sanal POS users receive up to 70% discount on T-Soft packages plus free Amazon integration for 1 year and 3 months free HeliRobo social commerce.
• ideasoftflagshipGTM or Marketing PartnerE-commerce platform. Tami Sanal POS users receive up to 60% discount on IdeaSoft Entegre and Platinum packages with AI tools, marketplace integrations, and free shipping.
• PlatinMarketcoreGTM or Marketing PartnerE-commerce platform. Tami Sanal POS users receive 50% discount plus free Parafut integration and 3 marketplace integrations.
• GustoFixminorGTM or Marketing PartnerService management system. Tami Sanal POS users receive 20% discount on GustoFix subscription packages.
• AvansTakipminorGTM or Marketing PartnerHR and personnel management system. Tami users receive 20% discount on AvansTakip subscriptions for payroll, leave management, and shift planning.
• Logo (e-Tahsilat)minorGTM or Marketing PartnerLogo software e-Tahsilat product. Tami Sanal POS users get 3 months free usage of Logo e-Tahsilat collection software.
• FinekraminorGTM or Marketing PartnerOnline collection and open banking solutions. Free Finekra Basic Online Tahsilat module for Tami Sanal POS users meeting annual transaction volume commitments.
• TahsilappminorGTM or Marketing PartnerOnline collection software. Free Tahsilapp for Tami Sanal POS users meeting annual transaction volume commitments (10M-60M TL tiers).
• BulutTahsilatminorGTM or Marketing PartnerCollection solutions provider. Tami Sanal POS users receive 20% discount plus first month free on BulutTahsilat solutions.
• Sigortam.netminorGTM or Marketing PartnerInsurance aggregator. Tami Sanal POS users receive up to 10% discount on travel insurance, 7% on health insurance, 5% on auto insurance, 3% on traffic insurance.
• English TimeminorGTM or Marketing PartnerLanguage school. Tami users receive 50% discount on general English courses and 40% on online one-on-one lessons.
• Yolcu360minorGTM or Marketing PartnerCar rental platform. Tami Sanal POS users receive 10% discount on domestic and 15% on international car rentals.
• Bilet.comminorGTM or Marketing PartnerTravel booking platform. Tami Sanal POS users receive up to 2,500 TL in discounts on hotel bookings, ferries, and entertainment tickets.
• Tap&SignminorGTM or Marketing PartnerDigital signature solutions. Tami Sanal POS users receive 50% discount for 12 months on e-signature, mobile signature, and biometric signature services.
• TÜRKKEPminorGTM or Marketing PartnerCertified electronic mail (KEP) service provider. Tami members receive discounted KEP services (Corporate package: 830 TL vs 1,420 TL regular).
• FiximinorGTM or Marketing PartnerBusiness management platform. Tami Sanal POS users receive 40% discount on Fixi membership subscriptions.
• Jet StokminorGTM or Marketing PartnerAmazon/e-commerce management tool. Tami Sanal POS users receive 30% discount on Jet Stok e-commerce packages with free Amazon account setup and e-invoice integration.
• RentGominorGTM or Marketing PartnerCar rental platform. Tami Sanal POS users receive 40% discount on RentGo car rentals.
• BürositminorGTM or Marketing PartnerOffice supplies retailer. Tami Sanal POS users receive 15% additional discount on online purchases.
• KingminorGTM or Marketing PartnerOnline retailer. Tami Sanal POS users receive 50% discount and free shipping on king.com.tr purchases.
• Brillant StoreminorGTM or Marketing PartnerOnline retailer. Tami Sanal POS users receive 40% discount and free shipping on brillantstore.com.tr purchases.
• Lindos NaturalsminorGTM or Marketing PartnerNatural products retailer. Tami Sanal POS users receive 20% discount on 1,500 TL+ purchases at lindosnaturals.com.
• Bag The JoyminorGTM or Marketing PartnerOnline retailer. Tami Sanal POS users receive 10% discount on 650 TL+ orders at keyifli-isler.com.
• TahsilsoftminorGTM or Marketing PartnerCollection software. Free Tahsilsoft dealer management software for Tami Sanal POS users.
• TaşımacımminorGTM or Marketing PartnerDelivery/logistics platform. Tami Sanal POS users receive 20% discount on Tasimacim mobile app orders.
• IdeaSoft, Ikas, KiviERP, Payten, MagicPay, Insha Ventures, Craftgate, Finrota, EticSoft, Faprika, Vendapp, AkinsoftcoreTechnology or IntegrationE-commerce solution partners providing integration with Tami Sanal POS. Includes platforms for ERP, payment gateway, and retail management solutions.
• Masterpass (by Garanti BBVA)coreTechnology or IntegrationDigital wallet enabling one-click payments using stored card details. Available through Tami Ortak Odeme Sayfasi without additional integration or transaction fees.
• VisacoreTechnology or IntegrationInternational card network enabling Tami to process Visa card transactions. Mentioned in context of chargeback and dispute resolution processes.
• MastercardcoreTechnology or IntegrationInternational card network enabling Tami to process Mastercard transactions. Mentioned in context of chargeback and dispute resolution processes.

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Param: Licensed Turkish electronic money and payment services institution offering prepaid cards, virtual POS, and merchant acquiring. Operates under the same Law 6493 regulatory regime as Tami with overlapping SMB and consumer segments.
• Sipay: Turkish payment institution offering virtual POS, mobile POS, and digital wallet services to merchants. Comparable business model and product set to Tami Sanal POS and CepPOS for SMB merchant acquiring.
• PayTR: Turkish virtual POS and payment gateway provider serving SMBs with installment, mobile, and marketplace payment solutions. Closely comparable to Tami's Sanal POS and CepPOS offerings for online and in-person merchants.
• iyzico: One of Turkey's leading online payment service providers, offering virtual POS, marketplace payments, and installment processing to SMBs and enterprises. Direct overlap with Tami Sanal POS on merchant card acceptance and installment support.
• Tosla (Yapı Kredi): Bank-affiliated prepaid card and digital wallet launched by Yapı Kredi, a major Turkish bank. Closely comparable to Tami Kart as a bank-backed prepaid card with consumer rewards and digital payments.
• BKM Express: Turkey's national digital wallet and payment platform operated under the Interbank Card Center. Comparable as a domestic digital payment and checkout solution competing with Tami's hosted payment page and Masterpass integrations.
• Papara: Turkish consumer fintech offering a prepaid card, P2P transfers, bill payments, and merchant acquiring. Directly competes with Tami Kart on prepaid card, QR P2P, and cashback rewards for individual consumers.
• MoneyPay: Turkish fintech offering prepaid card, P2P transfers, and merchant payment solutions. Overlaps with Tami Kart on consumer digital payments and with Tami Sanal POS on merchant acceptance.

Emerging players

• Ininal: Turkish prepaid card and payment app targeting consumers and unbanked segments. Comparable to Tami Kart on consumer prepaid cards with cashback and P2P functionality.

Regional players

• Masterpass (Garanti BBVA): Garanti BBVA-issued digital wallet enabling one-click online payments. While Tami integrates Masterpass on its hosted checkout, it competes indirectly as a digital wallet within the same Garanti BBVA ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/tamicomtr
• LinkedInlinkedin.com/company/gohas

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Tami