m10 — Digital Wallet

PashaPay

About this app

m10: Manage your payments, transfers, and purchases in one simple app. Plus — great loan offers and cashback for purchases!
Now with handy widgets for fast payments!

m10 features:
• m10card: Get your digital debit card instantly
• Auto top-up: Keep your wallet balance positive at all times
• Payment reminders: Create and manage reminders so you never miss important dates
• Personal “Garage”: Add your cars, pay for parking and fines directly from your phone
• Convenient Azəriqaz cabinet: Manage your gas services easily in the app

💸 Instant payments from your phone:
• Pay utility bills (gas, electricity, water, and more)
• Contactless payments in shops, cafes, and restaurants
• Top up mobile balance in just a few taps
• Pay for metro and bus rides via BakıKart
• m10 & Binance: Deposit and withdraw funds
• A wide range of other services

💳 Money transfers:
• Instant commission-free transfers to other m10 users
• Transfer money to any Azerbaijani bank card without commission (up to 5,000 ₼ per month)
• Request money from your contacts directly in the app

💸 Convenient bill payments like in milliön:
• Mobile operators: Azercell, Bakcell, Nar, Naxtel, and others
• Utility services: AzəriQaz (including gas card top-up via NFC), Azərİşıq, AzərSu, Naxçıvan Qaz, Naxçıvan Elektrik, and others
• Internet: AiləNet, Avirtel, AzerOnline, Aztelecom, BIRLink, and others
• Television: AiləTV, ATV Plus, and others
• Landline phone: AzEurotel, Baktelecom, and others
• Fines : Dövlət Yol Polisi / DYP
• Parking: AzParking, BCR Parking, and others
• Banking services, Insurance, Education
• Social platforms: Odnoklassniki, Vkontakte, Мой мир
• Games: Steam, Warface, PUBG Mobile, Perfect World, War Thunder, and others
• Others:Lalafo,Wolt, Bolt Taxi, and others

🛍️Pay at thousands of locations:
Over 20,000 points of sale across Azerbaijan accept m10
• Cafes and restaurants: McDonald's, and others
• Electronics: İrşad, Kontakt, Music Gallery, and others
• Clothing: ZARA, Bershka, and others
• Supermarkets: Bravo, Bolmart, Rahat, Grandmart, OBA Market, Araz market, NAR, and others
• Clinics and pharmacies: VITA, Focus, Aloe, Buta, and others
• Gas stations: Socar, Tosoil, and others
• Other: PARK CINEMA, LIBRAFF, and others

🎁 Benefits and bonuses:
• VAT Refund: Scan receipt QR codes and get back part of what you spent.
• Bir Bonus: Earn from 2% at 20,000+ locations and when paying bills
Use your bonuses for future purchases or transfer them to your m10 balance
• Lim10: Collect bonuses that can be converted into real money

💵 Free top-up for m10 balance:
• Cash top-up via milliön terminals
• Any bank card: (Birbank, Leobank, ABB Bank, Kapital Bank, Unibank, Pasha Bank, Rabitabank, Ubank, Expressbank, ATB, and others)

💵 Easy cash withdrawal:
Withdraw money at Kapital Bank ATMs

💰 Get a cash loan of up to 20,000 ₼:
The minimum loan repayment period is 365 days;
The maximum loan repayment period is 1770 days;
Loan amount from 300 AZN to 20 000 AZN;
Minimum annual interest rate: 10.9%
Maximum annual interest rate: 39.7%

Borrower requirements:
• 18-70 age range;
• Document confirming the citizenship of the Republic of Azerbaijan.

Example calculation: 20,000 ₼ for 59 months at 39.7% — monthly payment 775.29 ₼, total amount 45,742.3 ₼.

Start using m10 right now!
Fast registration: Sign up with your phone number or log in instantly with Bir ID (if you have a Birbank account).
Join millions of users who already enjoy the convenience and benefits of m10!

Need help? We’re always happy to assist:
• Website: https://m10.az
• Phone: *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

Address: AZ1010, Azerbaijan, Baku, Nasimi district, Neftchilar Avenue, building 153

Ratings and reviews

except transfer problems from any card to digital wallet, it is excellent app.

Hello, I like this app, but I wish there was an option to spend my money on MLBB (Mobile Legends Bang Bang) in the games section. I hope you consider adding it.

Add top up and pay with Google Pay (Wallet) option. It's much easier to pay with NFC than scanning/generating QR code everytime. Also, this will give us the opportunity to pay with M10 everywhere. Also, there are some issues and a lot of bugs. For example, I couldn't top up my account balance from Leobank. It gives a general error with no context everytime. I also can't withdraw money to unibank card because of commissions. Without these, the app is not much different from bank card apps.

What’s new

We’ve added something big!
Now you can instantly issue your own m10 debit card — no waiting, no hassle — and add it directly to Google Wallet for quick, secure payments anywhere Google Pay is accepted.

Use your m10 digital card to:
• Pay in stores, online, and in apps
• Enjoy the full Google Pay experience
• Manage and control your card directly from the app
Update now and experience a faster, simpler way to pay with m10.