Digipay
Entity IDIR-CO-038
SectorFintech
Founded2018
HQTehran
VerificationReported
Last reviewed2026-07-11
Decision snapshot
Parent group
Digikala E-Commerce Group — the group's financial arm
DurableCompany disclosed
Digipay FY1401 annual report; group site ↗ · retrieved 2026-07-11
Regulatory status
Payment Facilitator license — NOT a CBI-licensed PSP
CurrentCompany disclosed
IranTalent company profile ↗ · retrieved 2026-07-11
Customers
15M total customers; 9M credit customers
FY1404 (2025–26)Company disclosed
Saeid Mohammadi (co-founder & Group CEO), on-record video interview ↗ · retrieved 2026-07-11
Monthly credit run-rate
~20 hemmat/month issued; ~7 hemmat/month used
FY1404 (2025–26)Company disclosed
Saeid Mohammadi (Group CEO), on-record video interview ↗ · retrieved 2026-07-11
Scale (company size)
100–499 employees
2026Company disclosed
IranTalent company profile ↗ · retrieved 2026-07-11
Every field carries an explicit evidence state and its source. Self-reported figures are labelled as such; nothing is presented with more certainty than its source supports.
Operating metrics — period-stamped
BNPL creditsFY1401 (2022–23)Company disclosed
2M+ BNPL credits to 610K unique users; 10,000B IRR facility paid (report also states ~$25M — conversion is the report's)
Micro-credit loansFY1401 (2022–23)Company disclosed
2.3M+ loans; 22,000B IRR paid (report states ~$55M); 12–24 month terms
E-wallet volumeFY1401 (2022–23)Company disclosed
15,000B IRR across 10.6M transactions (report states ~$37.5M)
Gateway throughputFY1401 (2022–23)Company disclosed
4.3M avg monthly transactions (unified gateway); 1.3M avg monthly (super-app)
ReachFY1401 (2022–23)Company disclosed
2M active installations; 60M site+app visits
Business model & group
Product linesFY1401 → currentCompany disclosed
Smart IPG · unified payment gateway · BNPL/credit · micro-loans · personal & business wallet · payout · DigiCard (physical card) · insurance (no metrics disclosed)
DigiCard launch2026-05Company disclosed
Physical card launched with Bank Tejarat — the group's move into consumer banking rails
Leadership
CEOCurrentCompany disclosed
Omid Torabi
Founder & first CEO2018 – announced successionCompany disclosed
Houman Amini
Board chairmanFY1401; registry-confirmed since 2018Official record
Hamid Mohammadi (Digikala Group co-founder)
Corporate family
Tracked entities in the same corporate family. Ownership percentages appear in Ownership & capital only when disclosed.
Ownership & capital
Legal entity (registry)Registry, snippet capture 2026-07-11Conflicting evidence
Noavaran Pardakht-e Majazi-e Iranian (private joint stock, active) · registered capital 3,500B rial · 5 registered "Digipay" trademarks
Competitive set
Competitive setCurrentTI derived
Snapp Pay (BNPL/credit on Snapp distribution) · Tara — Tapsi credit partnership (2026) · ZarinPal credit products
Evidence timeline — how this record was built
2026-07-11Registry documentCorporate registry records — Digipay, Alibaba, Divar/Hezardastan, Snapp7 records
2026-05-30Company statementMarket coverage — Digipay / DigiCard launch (Digikala Group e-banking) ↗2 records
Primary sources catalogued in the Evidence Library; extracted claims appear above as period-stamped facts, never as current news.
Signals & timeline — Digipay mentions
2026-07-02Snappay removes anti-competitive contract clauses after Digipay complaint2026-06-30Digipay reopens Snapp's monopoly case with Competition Council2026-06-27Digikala launches 'Buy with Digikala' service via Digipay platform2026-05-30Digipay launches DigiCard with Bank Tejarat, moving Digikala Group into physical payments2026-05-30Digipay reports 15 million online customers and 9 million credit customers
From the published signal feed; each record links to its source. All signals →
What we don't know
Loan book qualityNot disclosed
Revenue / profitabilityNot disclosed
FY1402–FY1404 annual reportsNot disclosed
Bank Tejarat partnership termsNot disclosed
Stated gaps are part of the record: in an opaque market, knowing what is NOT publicly established is as decision-relevant as what is.
Source ledger — every field, its evidence
| Field | Value | Period | Evidence | Source | Retrieved |
|---|---|---|---|---|---|
| Founded | 2018 | 2018 | Company disclosed | Digipay FY1401 annual report ↗ | 2026-07-11 |
| Parent group | Digikala E-Commerce Group — the group's financial arm | Durable | Company disclosed | Digipay FY1401 annual report; group site ↗ | 2026-07-11 |
| Regulatory status | Payment Facilitator license — NOT a CBI-licensed PSP | Current | Company disclosed | IranTalent company profile ↗ | 2026-07-11 |
| Customers | 15M total customers; 9M credit customers | FY1404 (2025–26) | Company disclosed | Saeid Mohammadi (co-founder & Group CEO), on-record video interview ↗ | 2026-07-11 |
| Monthly credit run-rate | ~20 hemmat/month issued; ~7 hemmat/month used | FY1404 (2025–26) | Company disclosed | Saeid Mohammadi (Group CEO), on-record video interview ↗ | 2026-07-11 |
| Scale (company size) | 100–499 employees | 2026 | Company disclosed | IranTalent company profile ↗ | 2026-07-11 |
| CEO | Omid Torabi | Current | Company disclosed | Digikala Group LinkedIn announcement ↗ | 2026-07-11 |
| Founder & first CEO | Houman Amini | 2018 – announced succession | Company disclosed | Digipay FY1401 annual report ↗ | 2026-07-11 |
| Board chairman | Hamid Mohammadi (Digikala Group co-founder) | FY1401; registry-confirmed since 2018 | Official record | Digipay FY1401 report; official corporate registry records ↗ | 2026-07-11 |
| Product lines | Smart IPG · unified payment gateway · BNPL/credit · micro-loans · personal & business wallet · payout · DigiCard (physical card) · insurance (no metrics disclosed) | FY1401 → current | Company disclosed | Digipay FY1401 report; IranTalent; Peivast coverage ↗ | 2026-07-11 |
| DigiCard launch | Physical card launched with Bank Tejarat — the group's move into consumer banking rails | 2026-05 | Company disclosed | Peivast industry coverage (source published 2026-05-30) ↗ | 2026-07-11 |
| BNPL credits | 2M+ BNPL credits to 610K unique users; 10,000B IRR facility paid (report also states ~$25M — conversion is the report's) | FY1401 (2022–23) | Company disclosed | Digipay FY1401 annual report ↗ | 2026-07-11 |
| Micro-credit loans | 2.3M+ loans; 22,000B IRR paid (report states ~$55M); 12–24 month terms | FY1401 (2022–23) | Company disclosed | Digipay FY1401 annual report ↗ | 2026-07-11 |
| E-wallet volume | 15,000B IRR across 10.6M transactions (report states ~$37.5M) | FY1401 (2022–23) | Company disclosed | Digipay FY1401 annual report ↗ | 2026-07-11 |
| Gateway throughput | 4.3M avg monthly transactions (unified gateway); 1.3M avg monthly (super-app) | FY1401 (2022–23) | Company disclosed | Digipay FY1401 annual report ↗ | 2026-07-11 |
| Reach | 2M active installations; 60M site+app visits | FY1401 (2022–23) | Company disclosed | Digipay FY1401 annual report ↗ | 2026-07-11 |
| Competitive set | Snapp Pay (BNPL/credit on Snapp distribution) · Tara — Tapsi credit partnership (2026) · ZarinPal credit products | Current | TI derived | Tehran Index mapping; snapp.ir; Tapsi blog ↗ | 2026-07-11 |
| Legal entity (registry) | Noavaran Pardakht-e Majazi-e Iranian (private joint stock, active) · registered capital 3,500B rial · 5 registered "Digipay" trademarks | Registry, snippet capture 2026-07-11 | Conflicting evidence | Official corporate registry records (indexed capture) | 2026-07-11 |
Last full review: 2026-07-11 · Tehran Index research desk · corrections: desk@tehranindex.com
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Registered entity
Legal entityNoavaran Pardakht Majazi Iranian
Entity typeoperating
StatusActive
Registered1397/04/05 (2018-06-26)
Registered capital7 trillion IRR
Board & shareholdersCEO: Omid Torabi; Chairman: Hamid Mohammadi (rep. Digikala E-commerce Group); Vice Chair: Mohammad Mehdi Abbaskhani; Members: Mehdiyar Aghansir, Yaser Rezaei, Farhad Khan Mirzaei
OwnershipDigikala Group
Official contact
Registered addressTehran, Timuri, Azadeh St., Shahid Hamid Salehi Blvd, No. 28, Sharif Technology Tower, Floor 6, Unit 604
Postal code1459965173
Phone021-53924000
Evidence & verification
Verification tierReported — single public source
Primary evidencedigipay.ir
Registry identifiersWithheld for compliance
Fields on this profile derive from linked public sources or the official company registry; unknown values stay blank rather than guessed, and estimates are always labelled. How we verify →
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