Sources: central bank and provider disclosures, 2024–2025.
How Azerbaijan pays
Azerbaijan pays increasingly by card. Visa and Mastercard cards from local banks are widely held, especially in Baku, and bank super-apps such as Birbank from Kapital Bank have made card payments, transfers and QR payments part of daily life. Cash is still common outside the capital.
Cross-border spend matters too: travel, trade with neighboring markets and buyers abroad paying with foreign-issued cards. For a merchant, the value is a clear starting point: cards and express wallets behind one integration, 3DS on card-not-present payments and retries across acquirers to protect approvals, with manat pricing and FX handled for you.
Why merchants run on us here
Cards and wallets live today
Card acquiring and the express wallets behind one integration, available now.
Bank apps lead
Birbank and other bank apps are how many Azerbaijanis pay and move money.
Approvals across acquirers
3DS on card-not-present and retries across acquirers to protect approvals.
Manat pricing and FX
Price in AZN and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Azerbaijan
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Azerbaijan like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Azerbaijan through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Azerbaijani manat (AZN) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Azerbaijan?
Talk to our payments team about going live in Azerbaijan — coverage, local acquiring, settlement and timelines for your business.