HesabPay combines Afghan digital payments with transfers, bills and merchant checkout through a wallet. Its payment tools also support aid distribution, bringing recipients into an electronic spending network, while issued card services extend how eligible users access funds.
Estimated Monthly Usage, Aurato Research, November 2026
Capabilities
Payments can be initiated using QR codes, USSD and manually entered transfer details; payment approval can use a PIN or passcode. A formal non-chargeback dispute process is available. Customers need an account with the app or wallet.



