MiniPay is an Iranian consumer buy-now-pay-later platform operating in Iran's instalment credit market. The company offers point-of-sale financing to consumers at partner merchants, competing with other BNPL providers in Iran's emerging consumer credit sector. No website was available for verification.
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Operating metrics, period-stamped
Android distribution, as the store reports itStore listing read 1 October 2026Third-party reported
MiniPay's Cafe Bazaar listing reports 230,000 installs and an average rating of 2.9 from 728 ratings, on version 2.1.11, last updated 21 September 2026, which is 21 September 2026. The app is listed in the finance category and is 13 megabytes.
Cafe Bazaar app listing for MiniPay, store-reported counters ↗ · retrieved 2026-10-01A store install counter is the store's number, not the company's, and Cafe Bazaar rounds it. It is one Android store of several in Iran and it does not count Myket, where the app is also published, nor any direct download, so it is a floor on Android reach rather than a user count. The 2.9 rating from 728 votes is carried because the complaints on this listing are specifically about instalment amounts and payroll deductions, which bears directly on the employer-collection model described in the business row.
Business model & group
Instalment credit sold through employers, not direct to consumerRead 1 October 2026Company disclosed
MiniPay's Cafe Bazaar listing describes it as a credit purchase and instalment payment service offered as a customer club to the members of contracted organisations: members of those organisations register through the app, receive an instalment credit line according to the contracting organisation's own rules, and can see their instalments, their repayment capacity and the list of accepting merchants and branches. MiniPay's own site states that users activate a credit wallet and buy in instalments at more than 8,000 accredited stores. The site presents MiniPay as one app in a family it calls the Minis.
Cafe Bazaar app listing for MiniPay, developer description ↗ · retrieved 2026-10-01The profile's general description calls MiniPay a consumer buy-now-pay-later platform offering point-of-sale financing at partner merchants. That is not quite what either source describes. Distribution runs through contracting employers and repayment runs through the organisation's rules, with user reviews on the listing complaining about deductions from payroll, so the credit decision and the collection both sit with the employer rather than with a consumer underwriting model. That is a materially different business from direct-to-consumer instalment credit, and a different risk. One caution on the licences page: most of its body text is about buying and selling melted gold, which belongs to another app in the same family, so that page is shared boilerplate. Nothing about gold is reported in this profile.
Ownership & capital
Brand owner and fintech association membership, self-reportedMembership dated 4 May 2026; page read 1 October 2026Company disclosed
MiniPay's own licences page states that the company Ideh Bonyan Mobtaker Pars owns the MiniPay trademark and that it became a member of the Iranian Fintech Association on 4 May 2026. The page also claims an official permit from the Computer Trade Organisation, a chamber of commerce membership certificate and a tier-three knowledge-based creative company certificate. The publisher shown on MiniPay's Cafe Bazaar listing is Mobtaker Pars Group.
MiniPay company website, licences page ↗ · retrieved 2026-10-01Brand-to-operator evidence, and it corroborates the Persian legal name in this profile, which previously rested on no linked source. Self-published licence claims are labelled company disclosed: none of the permit numbers were read from the issuing registers. The Cafe Bazaar publisher name, Mobtaker Pars Group, is a different string from the company named on the licences page; both are Mobtaker Pars and they are treated here as the same house rather than as a conflict, but the exact relationship between the group and the company is not established.
Source ledger, every field, its evidence
Brand owner and fintech association membership, self-reportedCompany disclosedMembership dated 4 May 2026; page read 1 October 2026
MiniPay's own licences page states that the company Ideh Bonyan Mobtaker Pars owns the MiniPay trademark and that it became a member of the Iranian Fintech Association on 4 May 2026. The page also claims an official permit from the Computer Trade Organisation, a chamber of commerce membership certificate and a tier-three knowledge-based creative company certificate. The publisher shown on MiniPay's Cafe Bazaar listing is Mobtaker Pars Group.
Instalment credit sold through employers, not direct to consumerCompany disclosedRead 1 October 2026
MiniPay's Cafe Bazaar listing describes it as a credit purchase and instalment payment service offered as a customer club to the members of contracted organisations: members of those organisations register through the app, receive an instalment credit line according to the contracting organisation's own rules, and can see their instalments, their repayment capacity and the list of accepting merchants and branches. MiniPay's own site states that users activate a credit wallet and buy in instalments at more than 8,000 accredited stores. The site presents MiniPay as one app in a family it calls the Minis.
Android distribution, as the store reports itThird-party reportedStore listing read 1 October 2026
MiniPay's Cafe Bazaar listing reports 230,000 installs and an average rating of 2.9 from 728 ratings, on version 2.1.11, last updated 21 September 2026, which is 21 September 2026. The app is listed in the finance category and is 13 megabytes.
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Registered entity
Legal entityIdeh Bonyan Mobtaker Pars
Entity typePrivate joint-stock (سهامی خاص)
Registered2018-10-20
Board & shareholders
Majid Pourshaker ArdakaniBoard chair
Entity notesDiscovered via TechRasa Insight Iran FinTech 2025 (FY2024-25). Pending TI entity verification: operating entity, national ID, active status. MiniPay is a brand of Ideh Bonyan Mobtaker Pars, which also runs MiniKala. BNPL / credit wallet.
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 MiniPay: 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.
