Sunzala Blog

How HesabPay could change payments in Afghanistan

HesabPay brings transfers, merchant payments, bills, and mobile top-ups into a digital wallet. Here is what that could mean for everyday payments and how to get started.

Published: September 26, 2026

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What is HesabPay?

HesabPay is an Afghan digital payment service for individuals and businesses. Its wallet supports sending and receiving money, paying participating merchants, buying mobile credit, and paying supported bills. The service describes app, web, and feature-phone access, although the options available to each user may differ.

A practical alternative to cash

When a buyer and seller can complete a payment by phone or QR code, they may need to handle less cash or find exact change. Digital records can also make it easier for a small business to check whether an order was paid. HesabPay's merchant gateway could help online stores offer a local payment option alongside other methods.

Potential beyond the shop counter

Transfers, electricity bills, and mobile top-ups in one wallet could save trips and time for people who can access the service. For businesses, digital receipts and payment records may simplify reconciliation. Wider use could help more customers and merchants participate in online commerce, but that depends on reliable access and trust.

What to check before relying on it

Availability, supported payment methods, verification requirements, fees, and transaction limits can change. Check the current details in HesabPay's official app or help pages before paying. Keep your PIN and one-time codes private, and confirm the recipient and amount before sending money.

How to create a HesabPay account

  1. Open HesabPay's official app or website and choose the account signup option.
  2. Enter a mobile number you control and verify it with the one-time code sent to you.
  3. If the app asks for a referral number, enter one or choose Skip.
  4. Complete any profile or identity details requested for the services you want to use, then set up the available account security options.
  5. Review the wallet and use an officially supported way to add funds before making your first payment.
Create a HesabPay account

How digital payments could help

  • Customers can pay participating sellers without carrying the full amount in cash.
  • Small businesses can keep a clearer record of incoming payments.
  • Supported bills, airtime, and transfers can be managed from one service.
  • Online merchants could offer a payment method built for Afghan customers.

HesabPay could make everyday payments more convenient for many Afghans, especially when merchants and customers both have access. Its real impact will depend on coverage, clear costs, dependable support, and confidence that transactions work as expected.

Official HesabPay information

  • Frequently asked questions
  • Terms and conditions
  • Payment gateway overview
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