About us

Mobile Payments
Made Accessible

We believe in simplifying the complex processes that underpin cross-border mobile payment acceptance across MEA and Turkey

For local and global digital service providers, accepting cross-border digital payments across MEA and Turkey has been complex, involving multiple service providers – until now.

By acting as an acquirer and payment processor, TPAY MOBILE provides the only full service, end to end mobile payments platform in the region. Even better, this is achieved through a simple integration with a single API.

Put simply, TPAY MOBILE makes it easy for global digital service providers to leverage our local expertise, access customers and accept payments in emerging markets, enabling rapid business growth and improving financial inclusion.

Our Journey So Far


1st Direct Carrier Billing player launched in MENA led by A15 investment


Exceeded 500k users


40+ merchants
2B processed transactions


Acquired DCB Egypt
30+ employees


Helios Investment Partners become shareholders


Expansion into Wallets
across MEA


Acquired Payguru
50B processed transactions

Our leadership team

TPAY MOBILE was founded in 2014, and is led by a team of telecom and fintech experts

Sahar Salama

Founder and CEO

Sahar Salama founded TPAY MOBILE in 2014 with the aim of leveraging her extensive experience to transform cross-border mobile payments in the MEA region. Today, Sahar is responsible for TPAY MOBILE’s strategy, mission, vision and overall execution/performance.

Sahar has over 25 years’ managerial experience across the tech and telco sectors, specialising in business transformation and working on platform and product development for international companies including Link Development, LinkdotNet and Digitaltest.

Sahar holds an MBA from Imperial College London and has a BSc. in Computer Science from the American University in Cairo.

Raj Soni


Dheeraj (Raj) Soni joined TPAY Mobile in 2020 as Chief Operating Officer and is focussed on product and technology development in tandem with developing existing and prospective partnerships with global merchants and strategic technology players looking to expand into MEA and Turkey.

A key member of the leadership team driving TPAY MOBILE’s ambitious growth plans, Raj brings with him over 20 years of experience in leadership, transformation, and execution within growth focused organisations across the technology and telecoms industries. Prior to joining TPAY MOBILE Raj was President and Chief Commercial Officer at Docomo Digital Payments as well as a Senior Vice President at Swisscom. He has also held various senior global positions at TCS, Reliance Jio, Cable & Wireless.

Raj holds an MBA from INSEAD and has a Bachelor of Engineering from Delhi College of Engineering.

Mahmoud Eid


Mahmoud Eid joined TPAY MOBILE in 2016 as the organisations Chief Financial Officer having previously held senior accounting positions at Otv and ARPU+. With a deep understanding of the TPAY MOBILE business model Mahmoud provides strategic oversight for all financial functions of the organisation.

A forward-thinker with a broad understanding of the socio-economic, industry and regulatory environments within which TPAY MOBILE operates, Mahmoud holds an MBA from the ESLSCA Business School in Paris, France, as well as being a graduate of Cairo University

Noha Amin

Business Development Director

Noha Amin brings over twenty years’ experience to her role as Business Development Director at TPAY MOBILE where she is focused on building new partnerships across various industry sectors, pursuing innovative integrations across the payments ecosystem and identifying and building products and services to enrich the TPAY MOBILE portfolio.

A specialist in developing and managing software applications, systems and platforms using Microsoft technology for education, electronics, telecommunication, and enterprise entities, Noha has held senior positions with organisations including ITWORX Education, ITWORX and Pyramid Systems Development.

Noha holds a Bachelor of Science degree in Computer Science from the American University in Cairo.

Ahmed Ghayaty

Director of Sales and Strategic Partnerships

Ahmed has over 20 years’ managerial experience across the telco and VAS sectors. An early member of the TPAY MOBILE team, he has played a large part in creating many of the strategic alliances the organisation has established over the last six years. Today, Ahmed leads TPAY MOBILE’s sales teams alongside managing relations between the company and its operators and merchants across the MENA region.

Prior to joining TPAY MOBILE, Ahmed worked with organization including Orange Egypt, Arpuplus Levant and the GCC, where he was instrumental in strategically expanding the product’s community relations by managing the sales process.

Ahmed holds an MBA from Ecole Supérieure Libre Sciences Commerciales Appliquées, France and a BSc. in Accounting from the Suez Canal University, Egypt.

Işık Uman

Director of Global Partnerships

Formally Chairman of Payguru prior to its acquisition, Işık Uman joined TPAY MOBILE in 2020 as Director of Global Partnerships. A founding partner of Payguru, Işık led the buy-out of Neomobile’s Turkish mobile payment business, which, under the Payguru brand, became the first DCB company granted a payment license by the Turkish Financial Regulator in 2016. Under his Chairmanship, Payguru became the leading alternative payment provider in Turkey, processing 500million TL transaction volume a year through its DCB and Bank Transfer services.

In addition to his role at TPAY MOBILE, Işık holds Board positions at Perdigital, one of the leading e-pin distributors for global game/content providers and publishers in Turkey which he co-founded in 2015, and TÖDEB, the Payment and Electronic Money Institutions’ Association of Turkey.

Işık has over 20 years’ experience with senior roles at large Telecom and Value Added Service Companies like Superonline, Turkcell and UCT, a portfolio company of TURKVEN, the largest Private Equity Firm in Turkey. Following the acquisition of UCT by Neomobile in 2011, Işık became the Country Director of Neomobile and the Global Business Development Director of Neomobile’s mobile payments arm – Onebip.

Işık has a B.Sc. in Industrial Engineering from the Middle East Technical University where he also studied M.Sc. programs in Information Systems Management, Artificial Intelligence and Cognitive Science while he was working as a R&D specialist in TUBITAK , the Scientific and Technological Research Council of Turkey.

Onur Ergüney

Director of Global Partnerships - Gaming and e-Sports

Onur joined TPAY MOBILE in December 2020 as Director of Global Partnerships for Gaming and e-Sports following its acquisition of Payguru, where as a Board Member he was in charge of Business Development Strategies, International Merchant Relations and Compliance.

Onur brings with him over 10 years’ managerial experience across the gaming, digital entertainment and telco sectors, specialising in payment systems, monetization, distribution network establishment and product development. International companies he has worked for include Game Sultan, Paytogo and MOL Turkey.

Onur is also a co-founder of Perdigital, one of the leading e-pin distributors for global game/content providers and publishers in Turkey.

Born in Turkey, Onur majored in Industrial Engineering and completed his MBA at Yeditepe University in İstanbul.

Peter Shoukry

Director of Engineering

A true programming enthusiast, Peter joined TPAY MOBILE in 2019 as Director of Engineering. Today he is responsible for managing and scaling TPAY MOBILE’s engineering team, platform and the underlying infrastructure.

Peter’s experience includes working in development roles for organisations including Blinkist, Open Security Foundation, Irisoft Al Ahli Holding Group and eVision as well as providing project support through his own independent consultancies.

Peter graduated from Faculty of Communications and Electronic Engineering and holds a Nano degree in Machine Learning.

Yasmin Abdin

Head of HR

Yasmin Abdin joined TPAY MOBILE in 2017 with the aim of leveraging her experience to structure and build the organisation through the Human Resources function. Today, Yasmin is responsible for TPAY MOBILE’s organisational structure and HR Operations.

Prior to joining TPAY MOBILE Yasmin gained a broad range of experience over 15 years in the HR function, working with and for a number of diverse organisations including OTVentures, The British University in Egypt and sanofi-aventis. She holds a BSc. in Economics and Political Science from Cairo University.

Our team

At TPAY MOBILE we are united by our desire to make a difference and transform cross-border mobile payments in MEA and Turkey

Our Shareholders

the leading Africa-focused private investment firm

the Middle East’s leading tech-focused VC fund.


Each year, TPAY MOBILE attends, sponsors and speaks at conferences and tradeshows both in the MEA region and around the world.

Join us at these and other events to learn how TPAY MOBILE can help your business grow.


28th June – 1st July 2021 In Barcelona

Global Carrier Billing Summit

22nd September 2021 In London