HesabPay is the first Afghan e-payments solution available on Android, iOS, and Web in English, Pashto, and Dari. It is developed to make payments simpler and more efficient between individuals. It is an online payment platform that lets you transfer funds within seconds using your smartphone. HesabPay provides services such as Havala, Bill Payment, Mobile Top-up (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.

To make an M-Paisa account with the HesabPay app, you have to first,

• On the Services tab go to “Open mWallet”

• Enter all your profile details including, your Roshan Number, First & Last Name, and Tazkira Number

• Press Add account to create your M-Paisa account

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.

You can purchase mobile Top Up for yourself or anyone else with the tap of a button. HesabPay allows you to send Top Up to Roshan, Etisalat, AWCC, MTN and Salam numbers

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

To sign up with HesabPay,

• Open the HesabPay mobile app

• Enter your phone number then press Verify

• Enter the 6-digit code you receive on your phone before 60 seconds run out and press Continue to go ahead.

• Give it a password, retype the password and then press Sign Up

To sign in with HesabPay,    you have to first,

• Open the HesabPay mobile application
  

• Press the Sign In button and enter your account’s phone number

• Enter your password

• Press Login and you will be logged in successfully

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.

To send money with HesabPay, first,

• Open the HesabPay app and make sure you are logged in

• Press the “Havala” on the Service tab

• Choose your intended M-Paisa card, recipient and enter the amount you wish to transfer

• Press the big blue round button to make the transfer happen

• Enter your M-Paisa PIN and press Okay

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’.

To pay your Breshna Bill with HesabPay, 

• Press the Services tab on your app and go to Pay Bills section

• Choose Breshna among other payment options

• Enter the information on the given form

• Click on the big blue round button to make the payment

• You will be asked to enter your M-Paisa PIN

• Enter your M-Paisa PIN and press Okay

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.

HesabPay’s Pay Store feature is an excellent tool for you to pay online at our selected stores.

HesabPay’s Donate feature helps you donate to charities by scanning a QR code or making an instant transfer.