B2B organizational credit BNPL; zero-fee employee purchase program
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Decision snapshot
Founded
Formed in 2018-19 (2018/19) to provide credit and instalment purchase services, subsequently broadening into additional categories.
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
Platform scaleAs at 27 September 2026Company disclosed
More than 4 million users, more than 11 million completed purchases, and more than 5,100 merchant points of sale.
Keepa, company website ↗ · retrieved 2026-09-02The points-of-sale counter read 4,900 when first retrieved and now reads 5,100. Counters on the company homepage; no as-at date is given, so dated to retrieval.
Business model & group
ProductCompany disclosed
Buy-now-pay-later credit and instalment purchase at partner merchants, which the company states requires no guarantor and carries no interest.
Keepa, company website ↗ · retrieved 2026-09-02The no-interest characterisation is the company's. The revenue model, merchant discount or fee structure is not disclosed on the site.
Ownership & capital
Brand to operator, stated by the company itselfCompany disclosed
The company's own page names توسعه تبادلات پایا as the operator behind the brand. The passage is quoted verbatim in the source passage.
keepa.ir (company website) ↗ · retrieved 2026-09-17Corroborated: two independent reads of this page returned the same sentence.
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Registered entity
Legal entityTose'e Tabadolat Paya
Entity typeoperating
StatusActive
Registered16 April 2018
Registered capital1.5 trillion IRR
Board & shareholders
Seyed Alireza ShafieiCEO
Abbas RiaziChairman
Hamidreza GhaffariVice Chair
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.
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 Keepa: 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.
