Hesab.af is Afghanistan’s first e-taxation and online payment platform that lets you transfer funds within seconds using your smartphone. Hesab.af provides services such as e-taxation, payroll, bill payment, mobile top-up recharge (airTime), and more for both individuals and businesses through its website and smartphone application.

M-Paisa lets you access a range of financial services such as person to person money transfer, disbursement and repayment of microfinance loans, airtime purchase, bill payments and receipt of salaries.

For opening an M-Paisa account, you have to contact Roshan to open an M-Paisa account for you and also you are able to create an M-Paisa account via Hesab.af as well

Hesab.af has services for both individuals and businesses:

• Individuals: Fund transfers (send money), buy airtime, bill payments, and locating M-paisa agents.

• Businesses: e-taxation, payroll (using M-Paisa enterprise account), and fund transfers.

Hesab.af’s payroll services is an excellent tool for you to pay your employees’ wages.

Hesab.af’s financial services help you do your taxes online by recording your income statement, balance sheet, taxes and annual income tax return.

Through Hesab.af’s bill payment service you can pay your Da Afghanistan Brishna Sherkat (DABS)  (electricity) bill.

Currently, only DABS (electricity) bill can be paid through Hesab.af

Through hesab.af’s airTime service you can buy Roshan mobile credit for yourself or send it to another Roshan number. You will soon be able to buy AWCC and Etisalat credit cards.

Hesab.af’s airtime can only be sent to a Roshan subscriber. You will soon be able to send airtime to AWCC and Etisalat subscribers.

Master PIN is a four-digit PIN which makes your Hesab.af account more secure.  After successfully logging into your account through your application, you have to set your master PIN.

If you forget your Master PIN, you have to logout from the application by clicking on Forgot Master PIN, then re-login to the application using your Hesab.af username and password and set a new master PIN.

Through Hesab.af you can transfer money to any number in Afghanistan.

Money transfer through Hesab.af is only in Afghani, you cannot transfer in dollars.

Visit an M-Paisa agent and buy electronic money from the agents. You can buy 50 Afghani to 100,000 Afghani to deposit to your M-Paisa account without any transaction fee.

You can withdraw cash from your M-Paisa account by visiting any M-Paisa agent.

Because Hesab.af is connected with Roshan telecom’s M-Paisa, your money is held with M-Paisa. It will soon be connected with other telecom operators.

1. Go to Play or App  Store
2. Type Hesab.af and press install

Smartphone:

1. Open the mobile application or visit www.hesab.af and press Sign Up.
2. Enter your phone number then press Verify.
3. Enter the 6-digit code you receive on your phone before 60 seconds run out and press Continue to go ahead.
4. Choose a security question, answer it, give it a password, retype password and  then press Sign Up

Website:

1. Visit www.hesab.af and press Sign Up (on the upper right corner).
2. Enter your phone number.
3. Choose a security question, answer it, give it a password, retype password then press Sign Up.
4. You will receive a 6-digit code on your phone.
5. Enter the 6-digit code you receive and you will be redirected to enter your credentials and access your Hesab.af account.

Smartphone:

1. Press Sign In, enter your account’s phone number.
2. Enter your password, then it will show you a demo of the master PIN.
3. Create a 4-digit master PIN that you will enter every time it asks for a PIN until signed out.

Website:

1. Visit www.hesab.af  and press Sign In.
2. Enter your account’s phone number followed by your password
3. Press Sign In and you’ll discover all the benefits of Hesab.af

Smartphone:

1. At the bottom of the app, next to Services, press More tab.
2. Press Sign Out then press OK.

Website:

1. Press Sign Out on the upper right corner of the page.

Smartphone:

1. Press More tab, then navigate to Contacts section, then press Import All Contacts; or
2. Press More tab, then navigate to Contacts section, then press the plus sign (+) to add each contact at a time.

Website:

1. Go to contacts tab and press the (+) icon to add contacts

Smartphone:

1. Press Services tab then press M-paisa Locations. You will see a map of all the agents.

Website: M-paisa agents map is available only on the mobile application.

Smartphone:

1. Press More tab, navigate to the Support section, and then press Contact us button. Select the report type from the drop-down menu and type your report in the text field. Finally, submit your report by pressing the send button.
2. To get a reply from the app developers, go to Messages section in the More tab.

            Website:

1. Press Customer Support bar on the right corner of Hesab.af.
2. Chose the Contact US tab, then select the of report type you want to send to developers.
3. Write your feedback in the Comments section or upload a file.
4. Press Save and your report will be sent to the app developers.
5. You will be updated with a response to Notifications (upper right corner).

To add an M-Paisa account, first you have to have a M-Paisa account then go through the following steps:

1. Login to Hesab.af mobile App/Website.

2. On the website, click the add (plus sign [+]) button.

3. On mobile go to More and select Bank Account Settings and press add (plus sign  [+]) button.

4. Choose M-Paisa and select Enterprise/Individual.

5. If your M-Paisa is an individual account, enter your M-Paisa number and your M-Paisa PIN number

6. If your M-Paisa is an enterprise account, enter your M-Paisa number, login ID, and M-Paisa password.

Smartphone:

1. Open the mobile app and make sure you are logged in.
2. Choose your intended M-Paisa card, recipient and enter the amount you wish to transfer.
3. Click on the big blue round button to make the transfer happen.
4. Enter your PIN to authenticate the transfer.

Website:

1. and go to Fund Transfers.
2. Select the intended individual’s number or name from the menu.
3. Type their name or account number.
4. Enter the amount you would like to send to this individual.
5. Press Transfer.
6. You can view this or other past money transfers just below ‘Activity’.

Smartphone:

1. Press ‘Activity’ tab to check the history of your activity and money transfers

Website:

1. and go to Fund Transfers.
2. You can view the history of your activities or other past money transfers just below ‘Activity’.

Smartphone:

1. Press Services tab on your app to choose Bill Payment section.
2. Enter the information on the given form.
3. Click on the big blue round button to make the payment.

Website:

1. Once logged into Hesab.af, go to ‘Bill Payment’.
2. Select the account you would like the money to be taken from.
3. Enter your pin and other info required for the bill.
4. Press Pay.

You can send money to everyone who has M-Paisa account, who has Hesab.af, or just a phone number.

M-Paisa fund transfer via Hesab.af is free of cost.

Bill payment via Hesab.af is free of cost.

Buying airTime via Hesab.af is free of cost, but 10% government tax will be applied on the total amount of purchased credit.

Hesab.af does not impose any restriction on the amount of money you can transfer. However, the amount of money you can transfer is dependent on the bank or mobile money provider. Please refer to the bank or mobile money providers for more details on the amount of money you can transfer.

Hesab.af does not impose any restriction on the amount of money you can transfer. However, the amount of money you can transfer is dependent on the bank or mobile money provider. Please refer to the bank or mobile money providers for more details on the amount of money you can transfer.

Smartphone:

1. Press More tab then press the edit icon on the top right side,
2. Add your picture, full name, and gender,
3. Press Save to confirm your edits.

Website:

1. and press Settings icon located on the upper right corner of the page,
2. You can change your email address, password, and security questions from there.

Smartphone:

1. Go to More tab and press Settings,
2. Go to Language section and choose one of the three languages: Dari, Pashto or English

Website:

1. On Hesab.af’s website, press the flag icon and choose the language of your choice.

Smartphone:

1. Go to More tab and go to Settings,
2. Then go to Security section to change your email address.

Website:

1. and press Settings icon located on the upper right corner of the page.
2. You can change your email address, password, and security questions from there.

Smartphone:

1. Go to More tab then press Settings
2. Then go to Security section to change security question

Website:

1. and press Settings icon located on the upper right corner of the page,
2. You can change your security questions from there.

Smartphone:

1. Go to More tab and press Settings,
2. Then go to Security section to change PIN.

Smartphone:

1. Go to More tab and press Settings,
2. Then go to Security section to change the password.

Website:

1. and press Settings icon located on the upper right corner of the page,
2. You can change your password from there.

Smartphone:

1. Go to More tab and press Settings,
2. Then go to Security section to deactivate the account.

Website:

1. and press Settings icon located on the upper right corner of the page,
2. You can change your email, password and security questions from there.

1. you need a different phone number. With one phone number, you can only have one Hesab.af account.

1. First, add a company by pressing the “Add New Company” button.
2. Select enterprise type, business activity, activity sector, investment license type and other information from the given menu. Make sure the information you enter is accurate because your financial calculations will be done based on the information you give about the company.
3. Once a company(ies) is added, you can view its Details, add Financials or Deactivate the company through Icons under Operations column
4. Your companies can also be sorted based on their Active and De-active status.

1. To edit information about the company you added, go to Company List, click on the ‘i’ icon under Operations column to view details and edit your company information.

1. Press Financial Services tab to view Company List, under Operations column click on the Open Financials icon.
2. Select the fiscal year you would like to do the taxes for and press NEXT
3. Your financial details are added in the following four sections:  Income Statement, Balance Sheets, Taxes, and Annual Income Tax Return (AITR) for corporations. Fill in each of the services based on its applicability to your company.

1. items and expenses to calculate your net profit or loss.
2. The Income Statement section is sorted into three separate sections: (a) Incomes, (b) Cost of Goods Sold, (c) Expenses.

1. Balance Sheet of Hesab.af’s Financial Services gives you a snapshot of your business at a specific time that helps you organize and log your Current Assets, Fixed Assets, Current Liabilities, Long-term Liabilities, and Equity.

1. Taxes of Hesab.af’s Financial Services helps you view your monthly Wages tax withholding, Contractor tax withholding, Rental tax withholding, Special tax withholding, and your Business Receipt Tax (BRT).

1. Annual Income Tax Return for corporation of Hesab.af’s Financial Services helps record your income and expenses not recorded elsewhere ( i.e. in the income Statement or under Balance Sheet of Hesab.af). All your tax records will be calculated on your annual income tax return.

1. To utilize Hesab.af’s payroll services, log into www.hesab.af and press Financial Services.
2. After clicking on your company’s ‘Open Financials’, select the year.
3. Under the Income Statement, go down to Expenses section and select Wages to start your payroll.
4. First, create a Group to add the names of all your employees
5. Then press ‘Assign Payroll’ to enter the necessary information asked, upload the employees' list, and select your bank account.

Yes, through Hesab.af you will be able to get exchange rates.