Empowering Digital Trust
We help banks and PSPs with onboarding, monitoring, compliance management and insights to mitigate risk and quickly respond to new opportunities for growth.
Our Core Purpose
Empowering the payment industry to operate with absolute confidence, zero friction, and transparent compliance.
OUR VISION
We envision a global payment ecosystem defined by absolute trust and zero friction. Our goal is to eradicate financial crime at the source, empowering acquiring banks and payment networks to scale legitimate commerce without the fear of hidden fraud or compliance failures.
OUR MISSION
To be the undisputed standard for merchant trust and payment security worldwide. We foresee a financial landscape where complex regulatory compliance is invisible, and every digital transaction is backed by definitive, real-time intelligence that permanently locks out bad actors.
Our Story
From a visionary idea to a global standard in merchant risk management. Discover the key milestones that shaped our journey to secure the digital payment ecosystem and empower financial institutions worldwide.
1
The Foundation
Onlayer was founded with a clear mission: to eradicate the manual bottlenecks and unacceptable risks plaguing merchant onboarding. We set out to build a smarter, automated defense for acquiring banks and payment facilitators.
The Foundation
Onlayer was founded with a clear mission: to eradicate the manual bottlenecks and unacceptable risks plaguing merchant onboarding. We set out to build a smarter, automated defense for acquiring banks and payment facilitators.
2
Shaping Security Standards
Onlayer was officially declared an Associate Participating Organization by the PCI Security Standards Council. This pivotal milestone reinforced our dedication to advancing global data security and building uncompromising, audit-ready compliance frameworks for our partners.
Shaping Security Standards
Onlayer was officially declared an Associate Participating Organization by the PCI Security Standards Council. This pivotal milestone reinforced our dedication to advancing global data security and building uncompromising, audit-ready compliance frameworks for our partners.
3
MMSP Certification
We proudly developed and launched our specialized Mastercard Merchant Monitoring Service Provider (MMSP) product. This advanced solution equips acquiring banks with the automated tools needed to detect hidden transaction laundering, prevent BRAM violations, and fiercely protect their scheme licenses.
MMSP Certification
We proudly developed and launched our specialized Mastercard Merchant Monitoring Service Provider (MMSP) product. This advanced solution equips acquiring banks with the automated tools needed to detect hidden transaction laundering, prevent BRAM violations, and fiercely protect their scheme licenses.
4
National-Scale Impact
We expanded our footprint globally, successfully partnering with central banks and national card schemes. Our centralized risk solutions became the blueprint for securing domestic payment ecosystems right at the source.
National-Scale Impact
We expanded our footprint globally, successfully partnering with central banks and national card schemes. Our centralized risk solutions became the blueprint for securing domestic payment ecosystems right at the source.
5
Mastercard Technology Provider
We deepened our strategic alignment with Mastercard, solidifying our Merchant Management Platform (MMP) as a powerful standard for acquirers. As an official technology provider, we empower acquiring banks to execute smarter, highly automated merchant management and maintain continuous compliance oversight.
Mastercard Technology Provider
We deepened our strategic alignment with Mastercard, solidifying our Merchant Management Platform (MMP) as a powerful standard for acquirers. As an official technology provider, we empower acquiring banks to execute smarter, highly automated merchant management and maintain continuous compliance oversight.
6
Serie A Investment Round
We successfully closed a significant 8.2 Million $ Serie A investment round to aggressively scale our global Go-To-Market operations. This strategic capital accelerates our AI-driven product roadmap and cements our position as the industry leader in payment compliance.
Serie A Investment Round
We successfully closed a significant 8.2 Million $ Serie A investment round to aggressively scale our global Go-To-Market operations. This strategic capital accelerates our AI-driven product roadmap and cements our position as the industry leader in payment compliance.
7
Dedicated AI Division & Expansion
We launched a dedicated Artificial Intelligence division to evolve Onlayer into a fully AI-native fintech platform. Backed by a planned $11 million investment over three years, we are aggressively expanding our predictive risk analytics, automated decision engines, and explainable AI (XAI) capabilities.
Dedicated AI Division & Expansion
We launched a dedicated Artificial Intelligence division to evolve Onlayer into a fully AI-native fintech platform. Backed by a planned $11 million investment over three years, we are aggressively expanding our predictive risk analytics, automated decision engines, and explainable AI (XAI) capabilities.
Get to know our core values
We are driven by innovation, agility, and a relentless commitment to solving the payment industry's most complex risk and compliance challenges.
AI-Driven Precision
We leverage advanced artificial intelligence to replace manual guesswork with definitive, data-driven decisions. Our models continuously adapt, ensuring maximum risk detection with minimal false positives.
Problem-Driven Innovation
We build solutions based on real-world challenges. By actively listening to our clients, we continuously evolve our platform to solve your specific regulatory and operational pain points.
Decisive & Fast Action
Speed is critical in the payment ecosystem. We empower financial institutions to act instantly, transforming days of manual compliance reviews into seconds of secure, audit-ready decision making.
Adaptive Automation
No two merchants are identical. We design intelligent, automated workflows tailored to specific merchant types and risk profiles, eliminating operational friction without ever compromising on security standards.
Who We Are?
Meet our executive team
Onlayer is built by a team of experts in fintech and compliance.
Kıvanç Harputlu
Co-founder & CEO
Emre Aydın
Co-founder & CTO
Tunç Yıldırım
Co-founder & COO