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

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.

It used to be so much better. With each update, they manage to make it worse. Lim10 was easier to collect, but the high requirement for rewards balanced it. Now you can only get it from qr payments, so achieving any rewards is nigh impossible. Before, you just needed 16 numbers of a card to transfer money. Now you need the expiration date and ccv to transfer money. With the most recent update, unableing for minors to use the app. Just get a debit card instead of using M10 at this point.

Very often when I try to open the app , it asks for my phone number , and when I enter it , I have to wait for code which they send to my phone and which comes with significant delay. And because of that, I cannot use the app when I need to make utility payments or payments for shop credits. Why it asks for my phone number each time, If I have already registered my number and even my live photo has been taken too.

What’s new

• Fixed bugs and improved application stability
• Optimized processes for smoother and faster operation