# Onlayer

> Onlayer is an Ankara-founded regtech and merchant-management platform that unifies the entire merchant lifecycle - discovery, onboarding, and continuous monitoring - for acquiring banks, payment service providers, and fintechs. Its AI-driven system automates merchant onboarding, detects fraud and transaction laundering, and manages PCI-DSS, AML, BRAM, and VIRP compliance in one modular workflow, helping institutions detect risk earlier, act faster, and grow their merchant portfolios with confidence.

- **Founded:** 2019
- **Headquarters:** Ankara, Türkiye (offices in London, Dubai, and Saudi Arabia)
- **Founders:** Kıvanç Harputlu (Co-Founder & CEO), Emre Aydın (Co-Founder & CTO), Tunç Yıldırım (Co-Founder & CISO / Chief AI Officer)
- **Team size:** ~31 employees
- **Products:** Lead Generation, Merchant Onboarding, Merchant Monitoring, BRAM & VIRP Checks, MMSP (Mastercard Merchant Monitoring Service Provider)
- **Notable:** Closed an $8.2M Series A in November 2025 led by Oleka Capital, Certified Mastercard Merchant Monitoring Service Provider (MMSP), Official Mastercard technology provider

## Products & services

- **Lead Generation** — Advanced web scanning and merchant profiling that captures payment-method signals (wallets, BNPL, alternative payment methods) and supports test transactions to surface prospects and hidden risk.
- **Merchant Onboarding** — AI-driven automated decisioning with channel-specific logic for e-commerce, POS, marketplaces, and social commerce, plus built-in compliance readiness for PCI-DSS, AML, BRAM, VIRP, and TLD.
- **Merchant Monitoring** — Continuous portfolio surveillance with policy and compliance risk detection, transaction-laundering and malware/e-skimming detection, and API integrations into internal systems.
- **BRAM & VIRP Checks** — Automated Mastercard BRAM and Visa VIRP scanning integrated into onboarding and monitoring to help acquirers avoid scheme penalties and protect their licenses.
- **MMSP (Mastercard Merchant Monitoring Service Provider)** — A certified product that equips acquiring banks to detect transaction laundering, prevent BRAM violations, and protect scheme licenses.
- **Third-Party Risk Management (TPRM)** — Vendor and reputation risk checks including social-media screening and dark/deep-web monitoring.

## Achievements

- Closed an $8.2M Series A in November 2025 led by Oleka Capital
- Certified Mastercard Merchant Monitoring Service Provider (MMSP)
- Official Mastercard technology provider
- Associate Participating Organization with the PCI Security Standards Council
- 5.0/5.0 on Gartner Peer Insights and 4.8/5.0 on G2
- Scanned 20M+ merchants across 150+ country-specific frameworks
- Expanded to 12 countries with offices in London, Dubai, and Saudi Arabia

## Latest updates

- **2025-11** — Raised $8.2M Series A led by Oleka Capital to expand into MENA and Asia-Pacific and deepen AI-powered risk, compliance, and analytics tools.
- **2025-11** — Announced plans for an AI division backed by a roughly $11M three-year investment.

## Links

- Website: https://onlayer.com
- LinkedIn: https://www.linkedin.com/company/onlayertech/
- YouTube: https://www.youtube.com/@onlayertech
- Instagram: https://www.instagram.com/onlayercom/

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Profile page: https://yespress.io/onlayer
Published by YesPress — https://yespress.io
Last updated: 2026-07-25