Advancing Afghanistan's Digital Payments
Establish and advocate for best practices, technical standards, and operational guidelines within the EMI sector.
Latest News & Updates
News & Updates
Stay informed with the latest developments in Afghanistan's digital payment ecosystem
AEMPIA PREAMBLE
Industry Advancement
Promoting the growth and development of Afghanistan's electronic money and payment sector through advocacy and innovation.
Common Interests
Representing and protecting the collective interests of our member institutions in regulatory and policy matters.
Collaboration
Fostering cooperation among members to share best practices and strengthen the digital payments ecosystem.
Collaboration and Public Awareness
Foster collaboration among all stakeholders including EMIs, PIs, regulators, consumers, merchants, and other financial institutions to build a unified and thriving digital financial ecosystem.
Spearhead impactful public awareness campaigns that educate the population on the benefits, security, and responsible use of EMI and PI, thereby building trust and driving adoption.
What is EMI/PI?
An Electronic Money Institution (EMI) and Payment Institution (PI) are institutions that help people use money in digital form instead of cash.
When you add money to a mobile wallet or online account, that balance is called electronic money.
You can use it to pay bills, buy goods, send money to others, or receive payments without visiting a bank.
EMIs work through mobile apps or online platforms, making it easy for people to manage their money anytime and anywhere.
Example:
If someone doesn't have a bank account, they can still send or receive money using an EMI service on their phone. This helps more people become part of the financial system and makes daily payments faster and safer.
Security:
EMI/PI's main job is to keep customers' digital money safe and ensure every transaction is smooth and controlled by the Da Afghanistan Bank and the Afghanistan Payment System (APS). Money stored in an EMI wallet is backed by real money kept in a trusted bank, so it can always be withdrawn or used when needed.
Each EMI/PI has its own App/E-Wallet, accessible by creating an account on a smartphone.
Facilitate Collaboration and Knowledge Sharing
Create a platform for open communication, cooperation, and the exchange of expertise among member EMIs.
Foster Innovation and Sustainable Growth
Encourage the development of innovative solutions and promote the long-term, responsible growth of the electronic money and payment industry in Afghanistan.
Objective of the Association
Represent and champion the collective interests of member EMIs and PIs with all relevant stakeholders.
Create a vibrant ecosystem for communication, cooperation, and sharing of knowledge, expertise, and insights among members.
Enhance public trust and understanding of electronic money services through education, transparency, and promotion of user benefits.
The Association and Its Preamble
The Afghanistan Electronic Money & Payment Institutions Association (AEMPIA) is established through the mutual agreement of licensed EMIs and PIs under the regulations of the Da Afghanistan Bank.
AEMPIA Goals:
Promote Industry Advancement
Establish and advocate for best practices, technical standards, and operational guidelines within the EMI sector.
Champion Common Interests
Provide a unified voice to represent the collective views and concerns of members to the Da Afghanistan Bank, government agencies, and other relevant stakeholders.
Our Members
AtomaPay
AurumPay
HesabPay
M Hawala
MyMoney
Paysey
Refah
LasPay
StarPay
Understanding EMI & PI
Electronic Money Institution (EMI) & Payment Institution (PI)
Electronic Money Institutions and Payment Institutions are regulated entities that provide digital financial services in Afghanistan. These institutions play a crucial role in promoting financial inclusion and modernizing the country's payment infrastructure.
User
Individuals and businesses access digital financial services
Digital Wallet
Secure electronic storage for funds and payment instruments
Transaction
Seamless digital payments and money transfers
Central Bank / APS
Regulated oversight and payment system infrastructure
Security
Advanced encryption and fraud protection
Trust
Regulated and monitored financial services
Collaboration
Working together for ecosystem growth
Innovation
Driving digital transformation in finance
Which Services EMI/PI Provides in Afghanistan
Electronic Money Institutions and Payment Institutions in Afghanistan provide comprehensive digital financial services that cater to the diverse needs of individuals, businesses, and government entities. These services are designed to promote financial inclusion, enhance convenience, and drive digital transformation across the country.
Financial Services
Cash in / Cash out
Deposit and withdraw cash from digital wallets through authorized agents
E-Top-up/Data bundles
Mobile phone recharges and data bundle purchases instantly
Brishna Bill Payment
Pay electricity bills conveniently through digital platforms
Purchases
Make secure digital payments for goods and services
Money Transfer Services
Money Transfer
Send money instantly to anyone within Afghanistan
Salary Disbursement
Digital salary payments for employees and organizations
Western Union Remittances
Receive international money transfers through Western Union
MoneyGram Remittance
Access international remittance services via MoneyGram
Digital Wallet Services
E-wallet creation
Create and manage digital wallets for secure transactions
Card to Wallet
Transfer funds from bank cards to digital wallets
Wallet to Bank
Transfer money from digital wallets to bank accounts
Bank to Wallet
Move funds from bank accounts to digital wallets
Lifestyle Services
Appointment scheduling
Book appointments with doctors and medical labs
Government tariff payments
Pay government fees and tariffs digitally
Bus booking
Book bus tickets for inter-city travel
Flight booking
Reserve domestic and international flights
Additional Services
Hotel booking
Reserve accommodation at hotels nationwide
Taxi booking
Book taxi services for convenient transportation
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