Onlayer
Get comprehensive cyber security risk assessment and insights of your merchants:.
| Date | Investors | Amount | Round |
|---|---|---|---|
| N/A | €0.0 Valuation: €0.0 | round | |
* | $1.0m Valuation: $6.9m | Seed | |
| Total Funding | 000k | ||
| USD | 2022 | 2023 |
|---|---|---|
| Revenues | 0000 | 0000 |
| EBITDA | 0000 | 0000 |
| Profit | 0000 | 0000 |
| EV | 0000 | 0000 |
| EV / revenue | 00.0x | 00.0x |
| EV / EBITDA | 00.0x | 00.0x |
| R&D budget | 0000 | 0000 |
Source: Dealroom estimates
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Onlayer, established in 2019, operates as a specialized provider of end-to-end risk and performance management solutions tailored for the financial sector. The company was co-founded by Kıvanç Harputlu (CEO), Emre Aydin (CTO), and Tunç Yıldırım (CISO), a team with a background in fintech and compliance. Initially known as PCI Checklist, the firm rebranded to Onlayer to reflect its expanded scope beyond cybersecurity to a holistic risk management platform.
The firm primarily serves acquiring banks, payment service providers (PSPs), and large enterprises, with a client roster that includes notable names like BNP Paribas, QNB, and Iyzico. Its core market is the EMEA and APAC regions. Onlayer's business model is centered on its comprehensive Software-as-a-Service (SaaS) platform, which addresses critical stages of the merchant lifecycle. Revenue is generated by providing clients with tools for automated merchant onboarding, real-time monitoring, compliance management, and actionable business insights.
The Onlayer platform is engineered to streamline and secure the entire merchant management process. Its automated onboarding solution utilizes an AI-driven engine to perform 360-degree checks on prospective merchants, assessing eligibility and reducing onboarding time from weeks to minutes. For ongoing risk management, the platform offers real-time monitoring that tracks merchant activities to predict and mitigate fraud, chargebacks, and cyber threats through vulnerability screening and MCC monitoring. A key feature is the simplified, centralized management of PCI-DSS compliance. The platform's business intelligence component provides advanced analytics and custom dashboards, enabling clients to manage their portfolios efficiently and identify growth opportunities. This integrated suite allows financial institutions to accelerate merchant acquisition while maintaining robust risk and compliance oversight.
Keywords: merchant risk management, payment service providers, acquiring banks, automated onboarding, real-time fraud monitoring, PCI-DSS compliance, fintech compliance, risk management platform, merchant lifecycle management, vendor risk, anti-fraud solutions, compliance automation, business intelligence for finance, payment ecosystem security, merchant portfolio management, cyber risk mitigation, SaaS for banks, end-to-end merchant management, EMEA fintech, APAC financial services