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eManat

Expanding Access to Convenient Self-Service Payments Across Azerbaijan
eManat is a network of self-service ATM terminals operating throughout Azerbaijan. Since 2012, it has established over 3,000 payment points nationwide, offering users an easy way to pay utility bills, government fees, TV and internet charges, banking services, and e-wallet top-ups—making everyday payments fast and accessible.
Country:
Azerbaijan
Population (Azerbaijan)
10.4 million (estimated)
Number of Internet users
9.2 million (estimated)
Popular payment methods
Digital Wallets, Credit Cards, Debit Cards, Cash Payments, Bank Transfers
Credit Card
0%
Debit Card
0%
E-Wallets
0%
Cash Payments
0%
Bank Transfers
0%
Other
0%

Type:
Digital Wallet, Payment Terminals

Total Customers:
3 million users (estimated)

Currency:
Azerbaijani Manat (AZN)

Money transfer volume:
USD 1 billion annually (estimated)

Coverage:
50% of Azerbaijan’s payment market (estimated)

Refunds:
Yes (limited)

Chargebacks:
No

Type:
Digital Wallet, Payment Terminals

Total Customers:
3 million users (estimated)

Currency:
Azerbaijani Manat (AZN)

Money transfer volume:
USD 1 billion annually (estimated)

Coverage:
50% of Azerbaijan’s payment market (estimated)

Refunds:
Yes (limited)

Chargebacks:
No

About payment system

eManat is a leading payment service provider in Azerbaijan, offering secure, fast, and reliable financial transactions through a nationwide network of over 3,000 payment terminals. Designed for both private users and businesses, eManat focuses on delivering instant payments, user-friendly solutions, and outstanding customer support to meet evolving financial needs.

For individual users, eManat offers a variety of features that make everyday transactions simple and efficient:

  • Instant Processing: Payments are reflected in real time, ensuring no waiting periods or delays.
  • 24/7 Availability: Terminals operate around the clock, allowing users to make last-minute or urgent payments at any time.
  • Service Innovation: eManat continuously improves its service offerings to exceed customer expectations.
  • Convenient Access: With a wide network of terminals, users can make payments quickly without unnecessary travel or costs.
  • User-Friendly Interface: The terminals feature a simple design that makes payment transactions easy for everyone.
  • Wide Service Range: Supporting over 1,000 services, users can pay for mobile, utilities, banking, internet, TV, government services, and more.

For businesses, eManat delivers key advantages that optimize operations and customer engagement:

  • Real-Time Notifications: Immediate payment updates allow for better cash flow and financial management.
  • Customer Reach: The widespread terminal network ensures that businesses are easily accessible to customers across the country.
  • Cost Reduction: eManat terminals eliminate the need for businesses to develop their own payment infrastructure.
  • Responsive Support: A solution-driven service team ensures all business-related issues are resolved quickly and efficiently.
  • Revenue Growth: The ability to accept diverse payments increases customer convenience and expands sales potential.
  • CSR Alignment: Collaborating with eManat supports youth programs and sustainable development in Azerbaijan, aligning with corporate social responsibility values.

As a pioneer in the region’s FinTech space, eManat continues to lead the way in modernizing payment experiences for individuals and businesses alike.

Always at your service

For issues or questions, check out our FAQ page or contact us via phone, email or contact form.

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Always at your service