Moka United

Moka United: What Merchants Need To Know

Moka United is a payment service provider focused on card acceptance, hosted checkout, marketplace payments, and cross-border payout infrastructure. The company publicly positions itself as the combined entity of United Payment and Moka, serving enterprises, SMEs, and public institutions through a single integration.

Company Snapshot And Footprint

Moka United states that it operates across six countries: Türkiye, Germany, Azerbaijan, Uzbekistan, Georgia, and the United Kingdom. It also describes the merger of United Payment and Moka and highlights prior approvals from Visa, Mastercard, American Express, and Troy in Moka’s history. These details provide helpful context for merchants that need regional coverage and card network connectivity.

Core Payment Acceptance Options

Card Enrollment And Recurring Payments

Moka United supports storing cards and running recurring payments. The provider expressly links card storage to PCI DSS compliance and positions this as its “global security standard.” For subscription or repeat-purchase use cases, this enables faster checkouts without re-entering card details.

Payment By Link

Merchants can generate pay-by-link requests from the merchant panel and share them by SMS or email. This is useful for invoice-style or remote payments where a full checkout is unnecessary.

Hosted Checkout Page And Iframe Options

For web integrations, Moka United documents a hosted “Common Payment Page” and an embeddable Iframe flow. Both accept parameters for amount, currency, installments, and 3D Secure, and both support card tokenization if the merchant has card storage enabled. These options let merchants choose between a fully hosted page or an embedded experience.

Marketplace Payments

Moka United provides marketplace features such as sub-merchant registration, pooled funds, and controlled payout release after order fulfillment. This model is intended for platforms that need to onboard sellers and manage split funds programmatically.

Multi-Currency POS

The provider advertises online POS acceptance in multiple currencies, specifically noting EUR, USD, and GBP alongside the domestic default. This matters for exporters or cross-border ecommerce targeting customers outside Türkiye.

Risk, Security, And Compliance

PCI DSS, 3D Secure, And Fraud Controls

Moka United explicitly states that card storage services comply with PCI DSS, and it supports 3D Secure flows. For fraud prevention, it lists dynamic 3D Secure and the use of “Formica” fraud software, with 24×7 monitoring. These are foundational controls for reducing unauthorized transactions and chargebacks.

Regulatory Oversight And Licensing

The company’s public FAQ and product pages indicate regulation in Türkiye by the Central Bank of the Republic of Türkiye and MASAK, and state that it holds e-money and payment service licenses. Merchants should map this regulatory posture to their own compliance requirements, especially when operating in or into Türkiye.

Developer Experience And Integration

API Model And Environments

Moka United’s developer portal documents a JSON-over-POST API, with separate test and production endpoints and TLS 1.2+ enforcement. Sample code is available for PHP, .NET, and Java. The portal outlines standard commerce actions: auth, capture, void, refund, tokenization, installments, BIN lookup, and reporting queries.

3D Secure Payments

The 3D Secure flow includes parameters for pre-authorization versus direct capture, optional tokenized payments, and pool payments for marketplaces. The docs also provide redirect behavior specifics and hash validation. These details are important for engineering teams building secure, SCA-ready checkout flows.

Hosted Checkout And Iframe Parameters

For the hosted Common Payment Page and Iframe, the API supports currency selection, language, installments, and UI toggles. Merchants can also influence whether card storage is prompted, and can display or hide installment options. This flexibility helps adapt the checkout UX to local customer expectations.

Settlement, Currencies, And Payouts

Settlement Behavior

In its payment API documentation, Moka United notes that if a transaction is not a “pool” transaction, funds are credited to the merchant’s account the next day or later, according to the merchant’s agreement. Where pool payments are used, funds are released only after the merchant approves the order following fulfillment. Merchants should confirm exact settlement timelines in their contracts.

Supported Currencies And Installments

The API and product pages specify TL as the default currency, with support for USD, EUR, and GBP. Installments are documented for values between 2 and 12 when enabled, which is aligned with local consumer financing norms in Türkiye.

Cross-Border Payments And Global Payouts

For payout and money transfer use cases, Moka United advertises cross-border capabilities, including global payouts in 77 countries with 54+ local currencies. It also references 99.9 percent uptime and average delivery under 3 minutes for transfers, plus instant transfers through the FAST rails where applicable. These capabilities are distinct from card acquiring but relevant for platforms that combine acceptance with disbursements.

Operational Tools For Merchants

Moka United’s management panel allows merchants to view transactions, issue cancellations and refunds, generate reconciliation reports, and manage settlements. This console is relevant for finance and operations teams that need day-to-day visibility beyond API responses.

Pricing And Commercial Transparency

Moka United’s public pages and legal downloads do not provide a card acquiring fee schedule covering setup fees, monthly fees, or per-transaction pricing. The website routes pricing inquiries through a contact form and sales channels. Merchants should plan to request a formal quote and negotiate terms, especially for marketplace flows, multi-currency processing, and settlement timing.

Fit For Different Merchant Profiles

Ecommerce Starters

A hosted payment page can reduce PCI scope and time to market. Payment links are useful for quick, remote collection without a full storefront. Tokenization can be introduced later as repeat business grows.

Growing Stores And Cross-Border Sellers

Iframe checkout and currency options allow closer control of UX while accepting EUR, USD, and GBP. Installments can improve conversion in domestic Turkish traffic. 3D Secure and dynamic fraud settings help balance conversion and risk.

Marketplaces And Platforms

Marketplace APIs, pooled funds, and sub-merchant onboarding address typical platform requirements. Combined with global payout APIs, platforms can orchestrate seller settlements and international disbursements from one provider. Engineering teams should evaluate sub-merchant lifecycle, KYC data flows, and payout compliance.

Conclusion

Moka United offers a complete card acceptance stack for web and marketplace flows, plus a separate cross-border money movement capability. The official materials cover PCI-aligned card storage, 3D Secure, dynamic fraud controls, installments, multi-currency acceptance, and management console features. Pricing is not public, so merchants will need a formal quote and contract review. The developer portal is detailed enough for straightforward integrations using hosted or embedded checkout patterns. Overall, Moka United is positioned for merchants needing card acceptance in Türkiye with options to expand into payouts and platform use cases, provided commercial terms and compliance responsibilities are fully documented in contract and implementation.