Hepsipay is a mobile financial platform that lets users trade precious metals—gold, silver, and platinum—24/7 at competitive prices, while also offering instant, low‑interest credit lines linked to partnered banks. The app consolidates all bank cards and a Hepsipay Card for QR‑code checkout in physical stores and one‑click payments online, rewarding users with Hepsipara points on purchases. It serves consumers looking for integrated investing, lending, and digital payment solutions.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers often need to manage multiple bank cards, obtain quick credit, and invest in precious metals, but existing services are fragmented, require separate apps, and lack unified, instant access. This creates inconvenience, delays, and missed investment opportunities.
Solution
Hepsipay is a licensed digital wallet that consolidates all of a user’s bank cards and a proprietary Hepsipay Card into a single app, enabling QR‑code payments in physical stores and one‑click checkout online. The platform offers 24/7 buying and selling of gold, silver, and platinum at competitive rates, allowing users to invest any amount at any time. Through partnerships with banks, Hepsipay provides instant, low‑interest “Hızlı Kredi” lines for both purchases and cash needs. All transactions generate Hepsipara cash‑back, which can be used for further spending. The service is regulated by the Central Bank of Turkey, ensuring secure storage of payment data and compliance with financial regulations.
Target Audience
Hepsipay targets individual consumers who shop online or in‑store, seek convenient card management, and want easy access to precious‑metal investments and short‑term credit.
Features
- Unified digital wallet that stores all bank cards and a Hepsipay Card for QR‑code payments in stores and one‑tap online checkout
- 24/7 precious‑metal marketplace for gold, silver, and platinum with real‑time pricing and flexible transaction sizes
- Instant, low‑interest credit lines (“Hızlı Kredi”) sourced from partner banks for purchases or cash withdrawals
- Cash‑back loyalty program (Hepsipara) that rewards payments across the ecosystem, including Hepsiburada purchases
- Secure, licensed payment processing under Central Bank supervision with encrypted data storage
- Integrated merchant network covering e‑commerce sites and millions of physical retail locations