naqdpay.com

Empowering
Financial Inclusion
in Afghanistan

Naqd Pay expands access to secure digital wallets and electronic money services, enabling faster payments, broader reach, and everyday financial access through modern digital channels.

A secure electronic money platform enabling cash-in, cash-out, payments, transfers, and everyday digital services through mobile and digital channels.

Naqd Pay – Your
Digital Wallet
in Afghanistan

Payment Cards
Linked to Your
Digital Wallet

Access your funds and make payments securely through cards connected to your Naqd Pay wallet, usable across ATMs and POS terminals.

What's NaqdPay?

Naqd Pay is a licensed Electronic Money Institution (EMI) providing secure and accessible digital financial services across Afghanistan. Users access services by using payment instruments—cash, wallet, or card—through approved channels, including mobile applications, POS devices, and USSD, within a unified and regulated electronic money ecosystem.

Choose the instrument that works best for you

CASH

Access Naqd Pay services using physical cash through approved channels.

WALLET

Your digital instrument for holding electronic money and using services.

CARD

Access your wallet and use services through ATMs and POS terminals.

Our Channels

Mobile Application

Primary digital channel for wallet access, transfers, payments, and account management.

ATM

Extends access to cash and e-money services, including cash-in and cash-out.

Web Portal

Onboarding, transactions, reporting, and oversight for admins and partners.

KIOSK

Self-service option for payments and e-money services in high-traffic and underserved areas.

POS

Merchant payments and agent services for card and wallet users.

USSD

Provides core services on basic phones without smartphones or internet.

NaqdPay Services

Let’s check this application's services.

The Mother Company

ARYO Holding

Aryo Holding delivers secure, compliant fintech infrastructure across payments, electronic money, banking connectivity, and financial hardware for regulated institutions and emerging markets.

Partners:

Ready? Grow with NaqdPay

Send, receive, and pay online — secure and easy for everyone.

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