m10 — Digital Wallet 앱 분석 (9월 23일)

Payments, transfers, QR payments, and bonuses — all in m10. Pay bills, send money, earn bonuses, get VAT refunds, and apply for online loans — all in one app. 💸 PAYMENTS Pay for 400+ services in one app. • Transport: BakıKart, metro, and buses • Mobile operators: Azercell, Bakcell, Nar, Naxtel • Utilities: Azəriqaz, Azərişıq, Azərsu • Internet & TV: AiləNet, Aztelecom, BİRLink, Azeronline, and more • Parking & fines: DYP, AzParking • Games & entertainment: Steam, PUBG Mobile, War Thunder • Online services & marketplaces: Tap.az, Turbo.az, Bina.az, Lalafo, Tezbazar • Banking, insurance, education, and other services Create templates and make payments in just one tap. 💳 MONEY TRANSFERS Send money quickly and easily. • Commission-free transfers between m10 users • Transfer money to any bank card Up to 5,000 ₼ in commission-free transfers per month • Request money directly through the app 🛍️ QR PAYMENTS & VAT REFUNDS Pay with QR at more than 20,000 locations. Scan receipts in the app and get VAT refunds on your purchases. Partners include: • Bravo, Araz, Rahat, and other supermarkets • McDonald’s and hundreds of cafes and restaurants • Kontakt, İrşad, Music Gallery • Pharmacies, cinemas, gas stations, and fashion stores 🎁 BONUSES & BENEFITS • Bir Bonus — earn bonuses for QR and bill payments, spend them on purchases, or transfer them to your m10 balance • Lemons — collect and exchange them for real money ⚙️ USEFUL FEATURES • Garage — add your car, pay parking fees and fines • Auto-payments & reminders — stay on top of important payments • Azəriqaz cabinet — manage gas services directly in the app 💵 TOP UP & CASH OUT • Top up your balance with 0% commission via Milliön terminals and bank cards • Supports Birbank, ABB, Unibank, Leobank, Pasha Bank, Rabitabank, Ubank, Expressbank, Dost bank, Yelo bank, xalq bank, AFB, ATB, and other bank cards • Withdraw cash at Kapital Bank ATMs 💰 ONLINE LOANS Apply for a loan directly in the app without visiting a bank. • Amount: 300–25,000 AZN • Term: 12–59 months • Interest rate: from 10.9% to 43.8% annually Minimum loan term — 365 days Maximum loan term — 1770 days Requirements: • Age: 18–70 • Citizenship of the Republic of Azerbaijan Example calculation: A 25,000 ₼ loan for 59 months at 43.8% annual interest: monthly payment — 1,038.34 ₼, commission — 750 ₼, total repayment amount — 62,012.06 ₼. 📲 QUICK SIGN-UP Register with your phone number or sign in instantly with Bir ID. Questions? • Website: m10.az • Hotline: *8810 • E-mail: info@m10.az Join our community on social media: Instagram: instagram.com/m10.az Telegram: t.me/limonqazani Facebook: fb.com/m10.az YouTube: youtube.com/@m10byPashaPay TikTok: tiktok.com/@m10bypashapay WhatsApp: wa.me/994774008810