Param, Embedded Finance Provider

Param, the pioneer of the financial technology sector, provides end-to-end solutions across the supply chain from producer to consumer.

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About Us

Param is the only full-stack embedded finance service provider in Turkiye, obtaining its electronic money license in 2014 as the first in the country.

Operating across five main business lines: acquiring, issuing, loyalty, processing, and lending, Param caters to B2C, B2B, and B2B2C markets with a variety of innovative products and end to end solutions including online and offline payments acceptance, personal and business accounts, wallets, prepaid cards, business and consumer lending, open banking, loyalty solutions, and industry specifics products and services.

Param's strength lies in its fully embedded solutions, which seamlessly connect all stakeholders across a trade chain and provide comprehensive financial products and services. With its integrated platform, coupled with a wide array of products, services, and capabilities, Param makes life easier for everyone and everywhere.

Param stands as the undisputed market leader in the Turkish fintech ecosystem, trusted and preferred by over 80,000 merchants and marketplaces, with 9.5 million prepaid cards issued and more than 150 card and loyalty programs in operation. B2B2C card solutions include cooperation with many entities including the Union of large corporates, Turkish Bar Associations, shopping malls, universities, schools and unions. The loyalty solutions enable Param and its business customers to provide benefits to their employees and customers.

In 2022, Param emerged as “the most valuable fintech in Turkiye” with a valuation of 217 million USD and successfully closed its investment round with the backing of prominent investors including the European Bank for Reconstruction and Development (EBRD), CEECAT Capital, Alpha Associates, and Revo Capital.

With the mission of creating value-added solutions by integrating finance with technology, Param is broadening its horizons beyond domestic borders, transitioning from a local player to an international full stack embedded finance service provider. To this end, Param has initiated operations in the United Kingdom under the banner of Param UK, formed Param Holdings International in the Netherlands, and acquired Twisto, a leading BNPL Provider in the Czech market with operations in Poland.

With over 1,600 employees, Param will continue to shape the fintech ecosystem with its end-to-end embedded financial services.


ParamKart, which offers cashback as you spend, is the leading prepaid card brand in the industry with more than 9.5 million users. It serves a broad range of customers, including lawyers, Ministry of Justice personnel, shopping malls, trade unions and universities, through over 150 co-branded card projects.


Providing secure payment infrastructure, next-day settlement options and favorable commission rates, ParamPOS delivers flawless collection solutions to over 80,000 individual and corporate customers, particularly for e-commerce sites, as well as for physical or remote payments.

16.5 Billion TL

2023 Year-End ParamKart Total Transaction Volume

60 Million

2023 Year-End ParamKart Total Number of Transactions


2023 Year-End Co-Branded Card Projects

150 Billion TL

2023 Year-End ParamPOS Total Transaction Volume

200 Million

2023 Year-End ParamPOS Total Number of Transactions

80,000 +

2023 Year-End Number of Customers Preferring ParamPOS

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