Payment methods in Tajikistan

The flagship payment product of Alif Bank, one of Tajikistan's leading fintech companies. Alif Pay (part of the Alif super-app) supports payments, money transfers, bill payments for over 2,000 services, travel services, and investments. The app also supports transfers to HUMO and UZCARD cards in Uzbekistan and SEPA transfers to 33 European countries.

Smartpay provides online payment gateway services for Tajik merchants, supporting multiple local e-wallet integrations for e-commerce businesses.

Tajikistan's national domestic card system, widely issued by Tajik banks. HUMO cards are used for ATM withdrawals and domestic POS transactions. The scheme provides a local alternative to international card networks, particularly for consumers who may not qualify for Visa or Mastercard.

One of several digital wallet platforms operating in Tajikistan's e-commerce space. Vasl Pay is among the local wallets accepted on Tajik e-commerce platforms alongside DC Next, Eskhata Online, Favri, ICB Pay, My Babilon, and others.

International cards are available through major Tajik banks and are increasingly used for online purchases and cross-border transactions. Alif Bank has received recognition as a Visa Business Issuer, reflecting growing integration with the international card network.

Alif Bank's e-commerce marketplace integrated with buy now pay later functionality. Alif Shop provides an end-to-end digital commerce experience unique to Tajikistan, combining marketplace and fintech in a single platform.