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Companies›Digipay

Digipay

Verified
FintechDigikala Group ›In the registry
Entity IDIR-CO-038
SectorFintech
Founded2018
HQTehran
VerificationVerified
Last reviewed2026-07-18

Digital payments and BNPL provider in the Digikala ecosystem. Tehran Index record: founded 2018, headquartered in Tehran, part of Digikala Group.

Doing business with Digipay? Check who legally owns and runs it: registry identity, capital and current board from the Official Gazette, in English with the Persian source, in three working days for USD 750. Full dossier with audited figures and competitors, USD 3,000. Order a Digipay registry check · download the Digipay dossier (PDF, free)

SnapshotMetricsBusinessLeadershipGroupOwnershipCompetitorsEvidenceTimelineGapsSources
Decision snapshot
Founded
Digipay's FY2022-23 annual report, in the chairman's message, states that Digipay joined the Digikala group as its financial technology arm in 2018-19 with Digikala's investment. The message is signed by Hamid Mohammadi as chairman of Digipay's board.
2018-19Company disclosed
Digipay FY1401 annual report, chairman's message ↗ · retrieved 2026-09-15
Parent group
Digikala's own group page lists Digipay among the companies under Digikala E-Commerce Group, describing it as the group's financial technology solutions company, alongside Digikala, Fidibo, Komoda, Smartech, Diginext, Digify and Digiexpress. The page states that the group company began operating in the month from 22 June to 22 July 2021 with strategic direction, supervision and financial control over the group, and that ownership of all operating companies was transferred to it.
Group page read 15 September 2026Company disclosed
Digikala E-Commerce Group, about page ↗ · retrieved 2026-09-15
Legal entity (Official Gazette notice)
The Official Gazette notice published in gazette 23697 on 6 August 2026 names the company as Noavaran Pardakht Majazi Iranian, a private joint stock company, and prints the national identifier and registration number shown in this profile. It corroborates, from a primary source, the operator the company's own site footer names.
Notice published 6 August 2026Official record
Official Gazette of the Islamic Republic of Iran, legal-notices portal, notice detail ↗ · retrieved 2026-09-15

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
Visits to the Digipay website and appYear to 20 March 2023Company disclosed
60 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Visits across the website and the app combined, not distinct users.
Value of card-to-card transfersYear to 20 March 2023Company disclosed
More than 4.1 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06
Urban and rural locations where instalment credit was allocatedYear to 20 March 2023Company disclosed
More than 300
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06
Instalment-purchase credit allocated in a single month20 February to 20 March 2023Company disclosed
297 billion toman
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06The company calls this a record month. It says the figure was only 33 billion toman short of all instalment credit it granted in the year to 20 March 2021.
Buy-now-pay-later credits grantedYear to 20 March 2023Company disclosed
More than 2 million, to 610 thousand unique users
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Two million credits went to 610 thousand distinct people, an average of more than three each.
Value of buy-now-pay-later credit grantedYear to 20 March 2023Company disclosed
1 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06A hemmat is one thousand billion toman. Part of the 2.2 hemmat of all micro-credit.
Inbound support callsYear to 20 March 2023Company disclosed
More than 500 thousand
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Telephone calls only; the report counts more than 400 thousand online chats separately.
Value of micro-credits grantedYear to 20 March 2023Company disclosed
2.2 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Covers buy-now-pay-later credit, 12 to 24 month instalment loans and credit cards together. A hemmat is one thousand billion toman.
Value of successful wallet transactionsYear to 20 March 2023Company disclosed
1.5 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06
Successful wallet transactionsYear to 20 March 2023Company disclosed
10.6 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Successful transactions only. The report says close to a fifth of all its transactions in the year ran on the wallet.
Value of transactions processed in the super-appYear to 20 March 2023Company disclosed
6.2 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06
Supply-chain finance credit grantedYear to 20 March 2023Company disclosed
110 billion toman
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06
Stake in Digipay bought by Bank Tejarat23 September to 22 October 2022Company disclosed
20 per cent
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Made through Technotejarat, according to the report. The report does not print the price.
Micro-credits grantedYear to 20 March 2023Company disclosed
More than 2.3 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Counts credits, not borrowers. The report's footnote says these cover buy-now-pay-later credit, 12 to 24 month instalment loans and credit cards.
Active app installsYear to 20 March 2023Company disclosed
2 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Active installs summed across reputable app stores, as reported for the year; not the same as active users.
Suppliers who received supply-chain financeYear to 20 March 2023Company disclosed
More than 3,000
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06The report says the service focused on Digikala's sellers and suppliers, helping them reach the proceeds of their marketplace sales sooner.
Successful transactions on the unified payment gatewayYear to 20 March 2023Company disclosed
More than 52 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06A yearly count of successful payments through the gateway.
Share of instalment-purchase users who are menYear to 20 March 2023Company disclosed
83 per cent
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Instalment-purchase users only; women were 17 per cent.
Insurance policies issuedYear to 20 March 2023Company disclosed
123,069
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06Digipay's first year in insurance. The report names device cover for Digikala buyers and cover on its instalment loans as the year's two projects.
Monthly active users of the super-appYear to 20 March 2026Company disclosed
10 million
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Peak daily users of the super-appYear to 20 March 2026Company disclosed
1,200,000
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06The highest number of users on a single day in the year, not a daily average.
Total credit made available to users, year-on-year changeYear to 20 March 2026Company disclosed
Up 195 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06Combines credit allocated by Digipay itself and bank loans arranged through it. The report does not print the underlying amount.
Credit allocated by Digipay, year-on-year changeYear to 20 March 2026Company disclosed
Up 171 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06Growth in credit allocated by Digipay itself. The same page prints 48 per cent growth in bank loans and 195 per cent growth in total credit made available.
Share of users who are menYear to 20 March 2026Company disclosed
61.5 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Share of users who are womenYear to 20 March 2026Company disclosed
38.5 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
In-person loan registration branchesCalendar year 2023Company disclosed
3 in Tehran and 1 in Alborz province
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Customers whose problem was solved at first contact with supportYear to 20 March 2026Company disclosed
50 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Total credit purchases (BNPL), year-on-year changeYear to 20 March 2026Company disclosed
Up 221 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06Growth in the total of credit purchases, as distinct from the 171 per cent growth in credit allocated that the report prints on its records page.
Supply-chain finance credit granted to sellersCalendar year 2023Company disclosed
More than 550 billion toman
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Corporate credit, total, year-on-year changeYear to 20 March 2026Company disclosed
Up 141 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06Credit extended to companies for their own purchases.
Largest credit line held by one userYear to 20 March 2026Company disclosed
500 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Smallest credit line held by one userYear to 20 March 2026Company disclosed
2 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Successful wallet withdrawals to bank accountsCalendar year 2023Company disclosed
More than 1 million
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Bank loans arranged through Digipay, total, year-on-year changeYear to 20 March 2026Company disclosed
Up 48 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Average bank-loan amount requestedYear to 20 March 2026Company disclosed
60 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06The average amount people asked for, not the average loan granted.
Largest bank loan paid to one personYear to 20 March 2026Company disclosed
200 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Smallest bank loan paid to one personYear to 20 March 2026Company disclosed
20 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Refunds processed21 December 2020 to 21 December 2021Company disclosed
7,200,000
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Credit purchases at contracted stores and other super-app transactions, against the equivalent span before the warDuring the twelve-day war of June 2025, against the equivalent span before itCompany disclosed
Down 66 per cent
Digipay summary of its performance in the twelve-day war, June 2025 · retrieved 2026-10-06The report does not say whether this is a fall in the number or the value of transactions, and prints no dates for either span and no absolute figure.
Brands and stores accepting Digipay credit nationwideYear to 20 March 2026Company disclosed
5,351
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06A count of brands and stores, in the section on in-person acceptance; their branches are counted separately, at about 15 thousand points of sale.
Provinces where Digipay acceptors are activeYear to 20 March 2026Company disclosed
31
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06All of Iran's 31 provinces.
Service categories offered with Digipay creditYear to 20 March 2026Company disclosed
19
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06
Points of sale of in-person acceptor brandsYear to 20 March 2026Company disclosed
15 thousand
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06Branches of the brands that accept Digipay credit in person, across the country.
In-person acceptors in household consumer goodsYear to 20 March 2026Company disclosed
2,256
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06The largest of the business types the report lists.
Stores accepting Digipay loans, online and in personAt the end of 2023Company disclosed
More than 50
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Inbound support calls per dayCalendar year 2023Company disclosed
More than 2,400
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Wallet top-ups21 December 2020 to 21 December 2021Company disclosed
1,533,764
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Wallet transactions, against the same period a year earlier21 December 2020 to 21 December 2021Company disclosed
4 times the same period a year earlier
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Goods-purchase loan credit allocatedCalendar year 2023Company disclosed
4.2 hemmat (thousand billion toman)
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Smart payment gateway success rate21 December 2020 to 21 December 2021Company disclosed
More than 91 per cent
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Active app installs21 December 2020 to 21 December 2021Company disclosed
1 million
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Users registered for credit21 December 2020 to 21 December 2021Company disclosed
446,522
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Banks funding Digipay loan creditAt the end of 2023Company disclosed
Bank Mellat and Bank Tejarat
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Visits to website and super-app21 December 2020 to 21 December 2021Company disclosed
150 million
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Visitors to the instalment-purchase page21 December 2020 to 21 December 2021Company disclosed
5,716,541
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Average monthly transactions on the super-app21 December 2020 to 21 December 2021Company disclosed
1,200,000
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Average monthly transactions on the unified payment gateway (UPG)21 December 2020 to 21 December 2021Company disclosed
4,300,000
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Total BNPL credit allocated to users21 December 2020 to 21 December 2021Company disclosed
154 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Value of refunds processed21 December 2020 to 21 December 2021Company disclosed
35,000 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Wallet transactions in the year21 December 2020 to 21 December 2021Company disclosed
More than 16 million
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Wallet top-up value21 December 2020 to 21 December 2021Company disclosed
1,827 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Wallet transaction value in the year21 December 2020 to 21 December 2021Company disclosed
More than 7,000 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Micro-credits granted21 December 2020 to 21 December 2021Company disclosed
88,692
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Total credit allocated to users21 December 2020 to 21 December 2021Company disclosed
9,200 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Value of transactions processed in the super-app21 December 2020 to 21 December 2021Company disclosed
More than 39,000 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Share of all Digipay transactions made on the wallet21 December 2020 to 21 December 2021Company disclosed
27 per cent
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06
Successful transactions on the unified payment gatewayCalendar year 2023Company disclosed
More than 50 million
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Value of successful wallet transactionsCalendar year 2023Company disclosed
More than 6 hemmat (thousand billion toman)
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06
Average monthly transactions on the super-appYear to 20 March 2023Company disclosed
1.3 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06A monthly average across the year, not a yearly total.
Average monthly transactions on the unified payment gatewayYear to 20 March 2023Company disclosed
4.3 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06A monthly average across the year. Page 59 gives more than 52 million successful gateway transactions for the year.
Micro-credit loansFinancial year 2022-23, as printed in the company reportCompany disclosed
The same page prints micro-credit facilities granted as more than 2 million 300 thousand credits, with a total amount of 2.2 hemmat, that is 2,200 billion toman. A footnote on the same page states these credits took the form of BNPL facilities, 12 to 24 month facilities and credit cards, and the glossary defines micro-credit as covering short-term one-month facilities, long-term 12 to 24 month facilities and credit cards.
Digipay FY1401 annual report ↗ · retrieved 2026-09-15
Credit users & growthFY2024-25, as reported April 2025Company disclosed
Digiato, reporting a Digipay release of 6 April 2025, states that use of Digipay's BNPL services rose more than 290 percent against the previous year and that 11,000 billion toman of credit was allocated to users through Digipay.
Digiato, reporting a Digipay release ↗ · retrieved 2026-09-15Company PR figures carried by Digiato; they fill the reporting gap between the FY2022-23 annual report (last published) and the Jul 2026 Group-CEO statements. This source does not state how many users received credit services.
Autumn-quarter volumesOct-Dec 2024Company disclosed
11,000B toman credit allocated (~$157M) and 55,000B toman of transactions processed (~$786M) in the quarter alone, across credit, business services, credit cards, insurance and wealth products (conversions ours, at the FY2024-25 average of ~70,000 toman/$)
DigiPay PR release, as carried by Digiato (published 2025-04-06) ↗ · retrieved 2026-09-15Same PR release; Digiato dated 6 April 2025. Conversions are by Tehran Index at the FY1403 average of ~70,000 toman/$.
Business model & group
Product linesFY2022-23Company disclosed
Digipay's FY2022-23 annual report describes the unified payment gateway as combining a smart payment gateway, a credit payment gateway, an instalment payment gateway and an electronic wallet in one product, formally introduced in 2022-23, and lists the wallet's new multi-wallet, refund and instalment features.
Digipay FY1401 annual report ↗ · retrieved 2026-09-15
Leadership
CEOAppointment reported 30 June 2025Third-party reported
Digiato reported on 30 June 2025 that Omid Torabi became the new chief executive of Digipay, that the post was previously held by Hooman Amini, Digipay's founder, and that Digipay's public relations said Amini would continue at the company as a board member. Digiato also lists Torabi's prior management roles at Tosan, Faraboom, GSS, Upsun and Etemad Houshmand.
Digiato, reporting Digipay's announcement ↗ · retrieved 2026-09-15Succeeded founder-CEO Houman Amini (CEO through the FY2022-23 report). Background: senior banking/payments advisor.
Founder & first CEOFY2022-23 report, published 2023Company disclosed
Digipay's FY2022-23 annual report carries the founder's message signed by Houman Amini as founder and chief executive of Digipay, written more than four years after the company began.
Digipay FY1401 annual report, chief executive's message ↗ · retrieved 2026-09-15"Houman Amini, Founder & CEO" per the report's CEO editorial. The office is as the report prints it for FY1401 and is not asserted as current.
Board chairman2018-19Company disclosed
Digipay's FY2022-23 annual report, in the chairman's message, states that Digipay joined the Digikala group as its financial technology arm in 2018-19 with Digikala's investment. The message is signed by Hamid Mohammadi as chairman of Digipay's board.
Digipay FY1401 annual report, chairman's message ↗ · retrieved 2026-09-15Registry: Hamid Mohammadi chairs the MyDigipay board since Jul 2018. The full board composition has not been retrieved from the registry. Cited by document and page.
Corporate family
Digikala Group
DigiExpressLogisticsDigifySaaSDigikalaE-commerceDigikala JetE-commerceDiginextAcceleratorsDigistyleE-commerceFidiboMediaGanjehLogisticsMiareMobilityOptimeAIPindoE-commerceSmartechSaaS

Tracked entities in the same corporate family. Ownership percentages appear in Ownership & capital only when disclosed.

Ownership & capital
Registered capital (Official Gazette notice)Capital increase resolved 10 May 2026, notice published 30 May 2026Official record
The Official Gazette notice published in gazette 23642 on 30 May 2026 records that the board, acting under authority delegated by the extraordinary general meeting of 13 January 2026, raised the company's capital by a resolution of 10 May 2026 from 3,500,000,000,000 rial to 7,000,000,000,000 rial, divided into 7,000,000,000 registered shares of 1,000 rial, by cash contribution from shareholders. Registered capital is a nominal legal figure and is not a valuation. This restores, from the primary notice, the figure withdrawn on 15 September 2026 when its only evidence was a registry intermediary.
Official Gazette of the Islamic Republic of Iran, legal-notices portal, notice detail ↗ · retrieved 2026-10-05Read directly on the Official Gazette legal-notices portal on 5 October 2026. The two notices published after it for this company (9 July and 6 August 2026) are a delegation of board powers and an annual general meeting; neither changes capital.
Legal operator (company site footer)Site footer read 15 September 2026Company disclosed
The company's own site footer states that all rights to the site belong to the company Noavaran Pardakht Majazi Iranian, with Digipay in brackets as its brand. Digipay is the brand; that company is the legal operator. This claim replaces an earlier one sourced through a registry intermediary, which was withheld from the delivery on 15 September 2026.
Digipay site footer (mydigipay.com) ↗ · retrieved 2026-09-15 | establishes_brand_link set true 2026-09-16: the cited source ties the brand to this legal person in its own words.
Statutory auditors and accounts approved (Official Gazette notice)Annual general meeting 12 May 2026, notice published 6 August 2026Official record
The same notice records the ordinary annual general meeting of 12 May 2026 appointing Bayat Rayan Auditing Institute as principal auditor and Tadvin and Partners Certified Accountants as alternate auditor to the end of the financial year, designating Donya-ye Eqtesad as the newspaper for the company's notices, and approving the balance sheet and profit and loss account for the financial year ended 20 March 2026.
Official Gazette of the Islamic Republic of Iran, legal-notices portal, notice detail ↗ · retrieved 2026-09-15
Competitive set
Competitive setCurrentTI derived
Snapp Pay (BNPL/credit on Snapp distribution) · Tara, Tapsi credit partnership (2026) · ZarinPal credit products
Tehran Index mapping; snapp.ir; Tapsi blog ↗ · retrieved 2026-07-11Embedded-finance-on-distribution is the common pattern.
Evidence timeline, how this record was built
2026-07-11Company statementDigikala Group corporate structure page ↗3 records
2026-07-11Registry documentCorporate registry records, Digipay, Alibaba, Divar/Hezardastan, Snapp7 records
2026-07-01Exchange filingDigipay FY1402-FY1404 financials on Codal, reported by Digiato ↗7 records
2026-05-30Company statementMarket coverage, Digipay / DigiCard launch (Digikala Group e-banking) ↗2 records
2025-05-29Exchange filingDigikala Group FY1403 audited financial statements (as reported) ↗6 records
2023-07-01Annual reportDigipay annual report FY1401 (third edition) ↗9 records

Primary sources catalogued in the Evidence Library; extracted claims appear above as period-stamped facts, never as current news.

Signals & timeline, Digipay mentions
2026-09-27Digipay launches 400 million toman loan with digital gold collateral2026-09-22Digipay BNPL users cut purchases but kept repaying in 2025/262026-09-21Digipay credit grows 195% amid rising purchase costs2026-09-14Jabama joins Digipay network enabling credit payments for stays2026-08-23Tapsifood launches in-store BNPL with Tara, Digipay, Bluebank, AzkiVam2026-07-23Digipay CEO: 10x growth in tough year for Iran's e-commerce and LendTech2026-07-02Snappay removes anti-competitive contract clauses after Digipay complaint2026-06-30Digipay reopens Snapp's monopoly case with Competition Council

From the published signal feed; each record links to its source. All signals →

What we don't know
Loan book qualityNot disclosed
No public NPL ratios, default rates, or portfolio quality data.
Revenue / profitabilityNot disclosed
FY2022-23 report discloses volumes, never P&L.
FY2023-24 to FY2025-26 annual reportsNot disclosed
Third report (FY2022-23) published July 2023; no later editions located.
Bank Tejarat partnership termsNot disclosed
Launch covered; structure/revenue share not published.

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
Visits to the Digipay website and appCompany disclosedYear to 20 March 2023
60 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Value of card-to-card transfersCompany disclosedYear to 20 March 2023
More than 4.1 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Urban and rural locations where instalment credit was allocatedCompany disclosedYear to 20 March 2023
More than 300
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Instalment-purchase credit allocated in a single monthCompany disclosed20 February to 20 March 2023
297 billion toman
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Buy-now-pay-later credits grantedCompany disclosedYear to 20 March 2023
More than 2 million, to 610 thousand unique users
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Value of buy-now-pay-later credit grantedCompany disclosedYear to 20 March 2023
1 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Inbound support callsCompany disclosedYear to 20 March 2023
More than 500 thousand
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Value of micro-credits grantedCompany disclosedYear to 20 March 2023
2.2 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Value of successful wallet transactionsCompany disclosedYear to 20 March 2023
1.5 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Successful wallet transactionsCompany disclosedYear to 20 March 2023
10.6 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Value of transactions processed in the super-appCompany disclosedYear to 20 March 2023
6.2 hemmat (thousand billion toman)
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Supply-chain finance credit grantedCompany disclosedYear to 20 March 2023
110 billion toman
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Stake in Digipay bought by Bank TejaratCompany disclosed23 September to 22 October 2022
20 per cent
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Micro-credits grantedCompany disclosedYear to 20 March 2023
More than 2.3 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Active app installsCompany disclosedYear to 20 March 2023
2 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Suppliers who received supply-chain financeCompany disclosedYear to 20 March 2023
More than 3,000
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Successful transactions on the unified payment gatewayCompany disclosedYear to 20 March 2023
More than 52 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Share of instalment-purchase users who are menCompany disclosedYear to 20 March 2023
83 per cent
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Insurance policies issuedCompany disclosedYear to 20 March 2023
123,069
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Monthly active users of the super-appCompany disclosedYear to 20 March 2026
10 million
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Peak daily users of the super-appCompany disclosedYear to 20 March 2026
1,200,000
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Total credit made available to users, year-on-year changeCompany disclosedYear to 20 March 2026
Up 195 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Credit allocated by Digipay, year-on-year changeCompany disclosedYear to 20 March 2026
Up 171 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Share of users who are menCompany disclosedYear to 20 March 2026
61.5 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Share of users who are womenCompany disclosedYear to 20 March 2026
38.5 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
In-person loan registration branchesCompany disclosedCalendar year 2023
3 in Tehran and 1 in Alborz province
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Customers whose problem was solved at first contact with supportCompany disclosedYear to 20 March 2026
50 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Total credit purchases (BNPL), year-on-year changeCompany disclosedYear to 20 March 2026
Up 221 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Supply-chain finance credit granted to sellersCompany disclosedCalendar year 2023
More than 550 billion toman
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Corporate credit, total, year-on-year changeCompany disclosedYear to 20 March 2026
Up 141 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Largest credit line held by one userCompany disclosedYear to 20 March 2026
500 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Smallest credit line held by one userCompany disclosedYear to 20 March 2026
2 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Successful wallet withdrawals to bank accountsCompany disclosedCalendar year 2023
More than 1 million
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Bank loans arranged through Digipay, total, year-on-year changeCompany disclosedYear to 20 March 2026
Up 48 per cent
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Average bank-loan amount requestedCompany disclosedYear to 20 March 2026
60 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Largest bank loan paid to one personCompany disclosedYear to 20 March 2026
200 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Smallest bank loan paid to one personCompany disclosedYear to 20 March 2026
20 million toman
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Refunds processedCompany disclosed21 December 2020 to 21 December 2021
7,200,000
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Credit purchases at contracted stores and other super-app transactions, against the equivalent span before the warCompany disclosedDuring the twelve-day war of June 2025, against the equivalent span before it
Down 66 per cent
Digipay summary of its performance in the twelve-day war, June 2025 · retrieved 2026-10-06retrieved 2026-10-06
Brands and stores accepting Digipay credit nationwideCompany disclosedYear to 20 March 2026
5,351
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Provinces where Digipay acceptors are activeCompany disclosedYear to 20 March 2026
31
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Service categories offered with Digipay creditCompany disclosedYear to 20 March 2026
19
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Points of sale of in-person acceptor brandsCompany disclosedYear to 20 March 2026
15 thousand
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
In-person acceptors in household consumer goodsCompany disclosedYear to 20 March 2026
2,256
Digikala annual report, Digipay chapter, year to 20 March 2026 · retrieved 2026-10-06retrieved 2026-10-06
Stores accepting Digipay loans, online and in personCompany disclosedAt the end of 2023
More than 50
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Inbound support calls per dayCompany disclosedCalendar year 2023
More than 2,400
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Wallet top-upsCompany disclosed21 December 2020 to 21 December 2021
1,533,764
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Wallet transactions, against the same period a year earlierCompany disclosed21 December 2020 to 21 December 2021
4 times the same period a year earlier
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Goods-purchase loan credit allocatedCompany disclosedCalendar year 2023
4.2 hemmat (thousand billion toman)
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Smart payment gateway success rateCompany disclosed21 December 2020 to 21 December 2021
More than 91 per cent
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Active app installsCompany disclosed21 December 2020 to 21 December 2021
1 million
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Users registered for creditCompany disclosed21 December 2020 to 21 December 2021
446,522
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Banks funding Digipay loan creditCompany disclosedAt the end of 2023
Bank Mellat and Bank Tejarat
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Visits to website and super-appCompany disclosed21 December 2020 to 21 December 2021
150 million
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Visitors to the instalment-purchase pageCompany disclosed21 December 2020 to 21 December 2021
5,716,541
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Average monthly transactions on the super-appCompany disclosed21 December 2020 to 21 December 2021
1,200,000
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Average monthly transactions on the unified payment gateway (UPG)Company disclosed21 December 2020 to 21 December 2021
4,300,000
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Total BNPL credit allocated to usersCompany disclosed21 December 2020 to 21 December 2021
154 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Value of refunds processedCompany disclosed21 December 2020 to 21 December 2021
35,000 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Wallet transactions in the yearCompany disclosed21 December 2020 to 21 December 2021
More than 16 million
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Wallet top-up valueCompany disclosed21 December 2020 to 21 December 2021
1,827 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Wallet transaction value in the yearCompany disclosed21 December 2020 to 21 December 2021
More than 7,000 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Micro-credits grantedCompany disclosed21 December 2020 to 21 December 2021
88,692
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Total credit allocated to usersCompany disclosed21 December 2020 to 21 December 2021
9,200 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Value of transactions processed in the super-appCompany disclosed21 December 2020 to 21 December 2021
More than 39,000 billion rial
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Share of all Digipay transactions made on the walletCompany disclosed21 December 2020 to 21 December 2021
27 per cent
Digipay annual report, 21 December 2020 to 21 December 2021 · retrieved 2026-10-06retrieved 2026-10-06
Successful transactions on the unified payment gatewayCompany disclosedCalendar year 2023
More than 50 million
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Value of successful wallet transactionsCompany disclosedCalendar year 2023
More than 6 hemmat (thousand billion toman)
Digipay annual report 2023, late December 2022 to December 2023 · retrieved 2026-10-06retrieved 2026-10-06
Average monthly transactions on the super-appCompany disclosedYear to 20 March 2023
1.3 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
Average monthly transactions on the unified payment gatewayCompany disclosedYear to 20 March 2023
4.3 million
Digipay annual report for the year to 20 March 2023 · retrieved 2026-10-06retrieved 2026-10-06
FoundedCompany disclosed2018-19
Digipay's FY2022-23 annual report, in the chairman's message, states that Digipay joined the Digikala group as its financial technology arm in 2018-19 with Digikala's investment. The message is signed by Hamid Mohammadi as chairman of Digipay's board.
Digipay FY1401 annual report, chairman's message ↗ · retrieved 2026-09-15retrieved 2026-09-15
Registered capital (Official Gazette notice)Official recordCapital increase resolved 10 May 2026, notice published 30 May 2026
The Official Gazette notice published in gazette 23642 on 30 May 2026 records that the board, acting under authority delegated by the extraordinary general meeting of 13 January 2026, raised the company's capital by a resolution of 10 May 2026 from 3,500,000,000,000 rial to 7,000,000,000,000 rial, divided into 7,000,000,000 registered shares of 1,000 rial, by cash contribution from shareholders. Registered capital is a nominal legal figure and is not a valuation. This restores, from the primary notice, the figure withdrawn on 15 September 2026 when its only evidence was a registry intermediary.
Official Gazette of the Islamic Republic of Iran, legal-notices portal, notice detail ↗ · retrieved 2026-10-05retrieved 2026-10-05
Parent groupCompany disclosedGroup page read 15 September 2026
Digikala's own group page lists Digipay among the companies under Digikala E-Commerce Group, describing it as the group's financial technology solutions company, alongside Digikala, Fidibo, Komoda, Smartech, Diginext, Digify and Digiexpress. The page states that the group company began operating in the month from 22 June to 22 July 2021 with strategic direction, supervision and financial control over the group, and that ownership of all operating companies was transferred to it.
Digikala E-Commerce Group, about page ↗ · retrieved 2026-09-15retrieved 2026-09-15
CEOThird-party reportedAppointment reported 30 June 2025
Digiato reported on 30 June 2025 that Omid Torabi became the new chief executive of Digipay, that the post was previously held by Hooman Amini, Digipay's founder, and that Digipay's public relations said Amini would continue at the company as a board member. Digiato also lists Torabi's prior management roles at Tosan, Faraboom, GSS, Upsun and Etemad Houshmand.
Digiato, reporting Digipay's announcement ↗ · retrieved 2026-09-15retrieved 2026-09-15
Founder & first CEOCompany disclosedFY2022-23 report, published 2023
Digipay's FY2022-23 annual report carries the founder's message signed by Houman Amini as founder and chief executive of Digipay, written more than four years after the company began.
Digipay FY1401 annual report, chief executive's message ↗ · retrieved 2026-09-15retrieved 2026-09-15
Board chairmanCompany disclosed2018-19
Digipay's FY2022-23 annual report, in the chairman's message, states that Digipay joined the Digikala group as its financial technology arm in 2018-19 with Digikala's investment. The message is signed by Hamid Mohammadi as chairman of Digipay's board.
Digipay FY1401 annual report, chairman's message ↗ · retrieved 2026-09-15retrieved 2026-09-15
Product linesCompany disclosedFY2022-23
Digipay's FY2022-23 annual report describes the unified payment gateway as combining a smart payment gateway, a credit payment gateway, an instalment payment gateway and an electronic wallet in one product, formally introduced in 2022-23, and lists the wallet's new multi-wallet, refund and instalment features.
Digipay FY1401 annual report ↗ · retrieved 2026-09-15retrieved 2026-09-15
Legal operator (company site footer)Company disclosedSite footer read 15 September 2026
The company's own site footer states that all rights to the site belong to the company Noavaran Pardakht Majazi Iranian, with Digipay in brackets as its brand. Digipay is the brand; that company is the legal operator. This claim replaces an earlier one sourced through a registry intermediary, which was withheld from the delivery on 15 September 2026.
Digipay site footer (mydigipay.com) ↗ · retrieved 2026-09-15retrieved 2026-09-15
Micro-credit loansCompany disclosedFinancial year 2022-23, as printed in the company report
The same page prints micro-credit facilities granted as more than 2 million 300 thousand credits, with a total amount of 2.2 hemmat, that is 2,200 billion toman. A footnote on the same page states these credits took the form of BNPL facilities, 12 to 24 month facilities and credit cards, and the glossary defines micro-credit as covering short-term one-month facilities, long-term 12 to 24 month facilities and credit cards.
Digipay FY1401 annual report ↗ · retrieved 2026-09-15retrieved 2026-09-15
Legal entity (Official Gazette notice)Official recordNotice published 6 August 2026
The Official Gazette notice published in gazette 23697 on 6 August 2026 names the company as Noavaran Pardakht Majazi Iranian, a private joint stock company, and prints the national identifier and registration number shown in this profile. It corroborates, from a primary source, the operator the company's own site footer names.
Official Gazette of the Islamic Republic of Iran, legal-notices portal, notice detail ↗ · retrieved 2026-09-15retrieved 2026-09-15
Statutory auditors and accounts approved (Official Gazette notice)Official recordAnnual general meeting 12 May 2026, notice published 6 August 2026
The same notice records the ordinary annual general meeting of 12 May 2026 appointing Bayat Rayan Auditing Institute as principal auditor and Tadvin and Partners Certified Accountants as alternate auditor to the end of the financial year, designating Donya-ye Eqtesad as the newspaper for the company's notices, and approving the balance sheet and profit and loss account for the financial year ended 20 March 2026.
Official Gazette of the Islamic Republic of Iran, legal-notices portal, notice detail ↗ · retrieved 2026-09-15retrieved 2026-09-15
Credit users & growthCompany disclosedFY2024-25, as reported April 2025
Digiato, reporting a Digipay release of 6 April 2025, states that use of Digipay's BNPL services rose more than 290 percent against the previous year and that 11,000 billion toman of credit was allocated to users through Digipay.
Digiato, reporting a Digipay release ↗ · retrieved 2026-09-15retrieved 2026-09-15
Autumn-quarter volumesCompany disclosedOct-Dec 2024
11,000B toman credit allocated (~$157M) and 55,000B toman of transactions processed (~$786M) in the quarter alone, across credit, business services, credit cards, insurance and wealth products (conversions ours, at the FY2024-25 average of ~70,000 toman/$)
DigiPay PR release, as carried by Digiato (published 2025-04-06) ↗ · retrieved 2026-09-15retrieved 2026-09-15
Competitive setTI derivedCurrent
Snapp Pay (BNPL/credit on Snapp distribution) · Tara, Tapsi credit partnership (2026) · ZarinPal credit products
Tehran Index mapping; snapp.ir; Tapsi blog ↗ · retrieved 2026-07-11retrieved 2026-07-11

Last full review: 2026-07-18 · Tehran Index research desk · corrections: desk@tehranindex.com

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Registered entity
Legal entityNoavaran Pardakht Majazi Iranian
Entity typeoperating
StatusActive
Registered26 June 2018
Registered capital7 trillion IRR
Board & shareholders
Omid TorabiCEO
Hamid MohammadiChairman · rep. Digikala E-commerce Group
Mohammad Mehdi AbbaskhaniVice Chair
Mehdiyar AghansirMember
Yaser RezaeiMember
Farhad Khan MirzaeiMember
OwnershipDigikala Group

Registered capital is the share capital recorded in the official gazette. Increases are real corporate events, but they are commonly funded from retained earnings or converted receivables and are also driven by inflation and regulatory minimums. It is not a valuation, and Tehran Index does not present it as one.

Official contact
Registered addressTehran, Timuri, Azadeh St., Shahid Hamid Salehi Blvd, No. 28, Sharif Technology Tower, Floor 6, Unit 604
Postal code1459965173
Phone021-53924000
Emailsupport@mydigipay.com
Evidence & verification
Verification tierVerified, registry / official 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 →

Quick facts
Tehran, Iran
Founded 2018
www.mydigipay.com/LinkedIn
Company dossier

Registry check on Digipay: legal entity, capital, board and managing director from the Official Gazette. USD 750, three working days. Full dossier with audited figures, competitors and risks: USD 3,000, five working days.

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