Ghesta is an Iranian installment credit platform that enables consumers to purchase goods on credit. Launched in 2018, it operates in the BNPL space, allowing customers to spread the cost of purchases across multiple payments.
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Business model & group
Credit mechanism and funding bank2026Company disclosed
Ghesta issues credit as Ghesta Card, a credit card on the Shetab network that can be used at any online or in person merchant and repaid to Ghesta in instalments. The company states that no guarantor is required, that a cheque or promissory note is taken depending on the applicant credit rating, and that the underlying loan is funded through Bank Ayandeh.
Ghesta website ↗ · retrieved 2026-08-21The same page dates the start of operations to July 2018 and names the operating entity as Pishgaman Etebar Afarin Sharif.
Source ledger, every field, its evidence
Credit mechanism and funding bankCompany disclosed2026
Ghesta issues credit as Ghesta Card, a credit card on the Shetab network that can be used at any online or in person merchant and repaid to Ghesta in instalments. The company states that no guarantor is required, that a cheque or promissory note is taken depending on the applicant credit rating, and that the underlying loan is funded through Bank Ayandeh.
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Registered entity
Legal entityPishgaman Etebar Afarin Sharif
Entity notesDiscovered via TechRasa Insight Iran FinTech 2025 (FY2024-25). Pending TI entity verification: operating entity, national ID, active status. Operating company identified 2026-08-13 from the copyright line printed in the ghesta.ir footer across multiple pages. PARTIAL: no registry page was found for this name, so the national ID, registration number and capital remain open. The name is the company's own published disclosure, which is a sound source for identity but not a registry anchor.
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 →
Registry check on Ghesta: 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.
