m10 — Digital Wallet

PashaPay

About this app

Payments, transfers, QR payments, and bonuses — all in m10.
Pay bills, send money, earn bonuses, get VAT refunds, and apply for online loans — all in one app.

💸 PAYMENTS
Pay for 400+ services in one app.
• Transport: BakıKart, metro, and buses
• Mobile operators: Azercell, Bakcell, Nar, Naxtel
• Utilities: Azəriqaz, Azərişıq, Azərsu
• Internet & TV: AiləNet, Aztelecom, BİRLink, Azeronline, and more
• Parking & fines: DYP, AzParking
• Games & entertainment: Steam, PUBG Mobile, War Thunder
• Online services & marketplaces: Tap.az, Turbo.az, Bina.az, Lalafo, Tezbazar
• Banking, insurance, education, and other services
Create templates and make payments in just one tap.

💳 MONEY TRANSFERS
Send money quickly and easily.
• Commission-free transfers between m10 users
• Transfer money to any bank card
Up to 5,000 ₼ in commission-free transfers per month
• Request money directly through the app

🛍️ QR PAYMENTS & VAT REFUNDS
Pay with QR at more than 20,000 locations.
Scan receipts in the app and get VAT refunds on your purchases.

Partners include:
• Bravo, Araz, Rahat, and other supermarkets
• McDonald’s and hundreds of cafes and restaurants
• Kontakt, İrşad, Music Gallery
• Pharmacies, cinemas, gas stations, and fashion stores

🎁 BONUSES & BENEFITS
• Bir Bonus — earn bonuses for QR and bill payments, spend them on purchases, or transfer them to your m10 balance
• Lemons — collect and exchange them for real money

⚙️ USEFUL FEATURES
• Garage — add your car, pay parking fees and fines
• Auto-payments & reminders — stay on top of important payments
• Azəriqaz cabinet — manage gas services directly in the app

💵 TOP UP & CASH OUT
• Top up your balance with 0% commission via Milliön terminals and bank cards
• Supports Birbank, ABB, Unibank, Leobank, Pasha Bank, Rabitabank, Ubank, Expressbank, Dost bank, Yelo bank, xalq bank, AFB, ATB, and other bank cards
• Withdraw cash at Kapital Bank ATMs

💰 ONLINE LOANS
Apply for a loan directly in the app without visiting a bank.
• Amount: 300–25,000 AZN
• Term: 12–59 months
• Interest rate: from 10.9% to 43.8% annually

Minimum loan term — 365 days
Maximum loan term — 1770 days

Requirements:
• Age: 18–70
• Citizenship of the Republic of Azerbaijan

Example calculation:
A 25,000 ₼ loan for 59 months at 43.8% annual interest: monthly payment — 1,038.34 ₼, commission — 750 ₼, total repayment amount — 62,012.06 ₼.

📲 QUICK SIGN-UP
Register with your phone number or sign in instantly with Bir ID.

Questions?
• Website: m10.az
• Hotline: *8810
• E-mail: [e-mail]

Join our community on social media:
Instagram: instagram.com/m10.az
Telegram: t.me/limonqazani
Facebook: fb.com/m10.az
YouTube: youtube.com/@m10byPashaPay
TikTok: tiktok.com/@m10bypashapay
WhatsApp: wa.me/994774008810

Ratings and reviews

Cashback offers are attractive but there are some major drawbacks: 1 The number of service providers is very very limited. Even if I want to make all my payments through m10 I can't 2 There's no template option, which is a basic feature in all other apps 3 It would be better if cashback is collected separately and transferred to the balance when user wants to use collected cashback amount. I hope they fix these problems soon, otherwise I will have no choice but delete this app and use other app

App doesn't work. can't add money to my account, too many notifications to use the app. And from the support I was told to reinstall the app :) (no, it did not fix the issue). EDIT: Also there is no option to delete my profile which is unacceptable.

The promise (0% transfers, 2% cashback) is good, but too few service providers available in the app (in fact, just a handful). Also a virtual card (Visa/MC/Maestro), with some attractive cashback offers, linked to the wallet for NFC and online payments is a must.