Afghanistan's payments infrastructure is developing around APS, the national switch overseen by Da Afghanistan Bank, and the domestic AfPay card. Interoperability between banks and electronic-money providers is central to extending electronic payments beyond individual institutions.
Cash in Afghanistan
Cash anchors everyday payments in Afghanistan, where access to bank withdrawals and foreign-issued cards can be unreliable. AfPay and the national switch offer alternative electronic payment routes, but afghani notes remain essential.
Payment Methods
Estimated Monthly Usage, Aurato Research, October 2026
Schemes
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Systems
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