Tink (part of Visa) is a strong player in European open banking. For a Türkiye- and MENA-focused product, Turkish bank coverage, local presence and payment acceptance (Virtual POS) differentiate in favour of Kobaküs.
| Feature | Kobaküs | Tink |
|---|---|---|
| Primary region | ✓ Türkiye, Europe, MENA | Europe |
| Turkish bank coverage | ✓ Yes | Limited / none |
| MENA coverage | ✓ Yes | Limited |
| Local Türkiye presence & support | ✓ Yes · Turkish | None |
| Virtual POS / card acceptance | ✓ Yes | No |
| TCMB framework & KVKK | ✓ Yes | Not applicable |
If you serve only the EU market, Tink is a mature option. If you need Türkiye/MENA coverage, Turkish banks, local support or card acceptance, Kobaküs is more comprehensive.
Tink is Europe-focused with limited Turkish bank coverage. For Türkiye, Kobaküs provides local bank access.
Kobaküs offers both open banking (AIS/PIS) and Virtual POS / card acceptance in one panel and one integration.
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