How do you add online payments to a website? Payment systems in Azerbaijan (2026)

Three things are needed to add online payments to a website: a business with a VÖEN (tax ID), whether a sole proprietor or a legal entity; a bank account; and a contract with a bank or a licensed payment institution. In Azerbaijan this service is offered both by banks (Kapital Bank, PAŞA Bank, ABB and others) and by payment providers such as Epoint, Payriff and Yığım. In the tariffs published as of October 2026, the commission on a card payment is roughly 1.5% to 3.8%.

Key takeaways:

• Accepting online payments requires a VÖEN and a bank account: no provider openly confirms connecting a business without a VÖEN.
• There are two main routes: a bank's e-commerce service or a payment provider. In the published tariffs, banks' commissions are lower, while connecting through a provider is simpler.
• If you do not have a website yet, or it is not ready, you can start with a payment link.
• Accepting payments with instalment cards is considerably more expensive than an ordinary card payment: depending on the term, the commission is from 3% to 26%.
• Card details are not stored on your website: the buyer enters them on the bank's or the provider's protected page.

How does online payment work?

In an online payment, the money does not go straight from the buyer's card to your account: an intermediary sits in between, checking the payment and passing it on. What the buyer sees takes a few seconds, while five steps happen behind the scenes:

1. The buyer clicks the "Pay" button on the website.
2. The website redirects them to the protected payment page of the bank or payment provider.
3. The buyer enters their card details and confirms the payment with a one-time code sent by their bank.
4. The bank that issued the card checks the amount and approves or declines the payment.
5. The website receives the result and marks the order as "paid"; the money is paid out to your account within the period stated in the contract.

The terms you will come across in this field:

The official descriptions of 3-D Secure and PCI DSS are on the EMVCo and PCI Security Standards Council websites. The practical upshot for you: card details do not pass through your website and are not stored by you; the bank or provider is responsible for their security.

Who can accept online payments?

Online payments can be accepted by a business registered as a taxpayer: a sole proprietor or a legal entity. Across all the providers we checked, two requirements do not change: a VÖEN and a bank account.

Is it possible to connect as a private individual, without a VÖEN? We found no provider in public sources that confirms this. For example, GoldenPay asks for a VÖEN certificate and a bank account tied to the VÖEN even for a "private individual", and in Payriff's onboarding documents the VÖEN is listed as mandatory for all types of seller (Payriff). So the first step is tax registration.

Check the provider itself as well. Payment services in Azerbaijan are regulated by the Law "On Payment Services and Payment Systems" of 14 July 2023, and this activity requires a licence from the Central Bank of Azerbaijan. The Central Bank publishes an open registry of licensed payment institutions and e-money institutions. Searching for the company's name there before signing a contract takes a minute.

Bank or payment provider: which should you choose?

There are three options: a bank's e-commerce service, a payment provider and a payment link. They differ in price, in how complicated the connection is and in the ready-made tools.

A simple rule: if your turnover is large and you have a developer, compare the banks' offers; if you want to start quickly and use a ready-made module, look at the providers; if you do not have a website yet, start with a payment link. We explain the other parts of an online store — the platform, delivery and costs — in the guide how to create an online store.

What payment systems are there in Azerbaijan?

The table below shows the banks and providers that we verified offer online card payments for websites on their own official websites. The list is not exhaustive and is not a ranking; the information is as of October 2026.

Note: MilliÖN and eManat are mainly payment-terminal networks, and we found no service on their websites that connects card payments to a website. When choosing a provider, check that the company actually offers an e-commerce (internet acquiring) service.

How much is the commission on online payments?

The commission is the percentage charged on each successful payment, and it depends on the provider, on which bank the card belongs to and on the payment method. These are the figures from providers that publish their tariffs openly, as of October 2026:

Sources: PAŞA Bank, Kapital Bank, Epoint, Payriff. ABB, Unibank, Yığım and GoldenPay do not publish the card payment percentage openly: the tariff is communicated after you apply.

Tariffs can change, so take these figures not as final prices but as a starting point for comparison, and get written confirmation before signing the contract.

Payments with instalment cards are calculated separately and cost considerably more, because the cost of the interest-free split is paid by the seller. In the tariff published by Epoint, the commission is 3% for a 2-month split with Tamkart, 4% for a 2-month and 20% for an 18-month split with Birbank instalments, and 26% for a 24-month split with Tamkart and Bolkart. At Payriff, the instalment commission is 4% for 2 months and 20% for 18 months. Before offering instalments, weigh this percentage against the product's margin.

Besides the commission, ask about four more things:

• When does the money reach your account? This varies greatly from provider to provider: with some, funds are paid out the same day, with others only at your request.
• Is there a monthly or annual service fee?
• How do refunds work, and is the commission on a refunded payment returned?
• Are foreign cards accepted, and is their commission different?

How do you add online payments to a website?

Connecting takes seven steps, and most of the time goes on documents and the contract, not on code. So start this work in parallel with building the website.

1. Choose two or three providers and compare the terms in writing. The commission, payout time, refund rules, instalment availability and whether there is a ready-made module for your website's platform.
2. Prepare the documents. VÖEN, bank details, the director's identity details; for legal entities, an extract from the state registry and the charter may also be requested.
3. Get the website ready for review. The SSL certificate, contact details, products and prices, and delivery terms must be visible on the website.
4. Sign the contract. With many providers the contract is concluded with an electronic signature, through ASAN İmza or SİMA.
5. Set up the integration in the test environment. The developer connects the payment flow to the website with the test keys supplied by the provider, or installs the ready-made module.
6. Make test payments. Check all three scenarios: a successful payment, a declined payment and a refund; check that the order status changes correctly on the website.
7. Go live and watch the first payout. Make a payment of a small amount with a real card and check that the money reaches your account.

The timeframe depends on the provider. For example, Yığım says integration usually takes 1–2 weeks (Yığım). In practice, the process is most often prolonged by incomplete documents and a website that is not ready for review.

What documents and website requirements are there?

Requirements vary by provider, but the core set is similar: business registration, a bank account and a working, secure website. Examples as shown on the providers' own websites:

Sources: Epoint, Payriff, GoldenPay, AccessBank, ABB.

AccessBank's list shows that technical readiness matters as much as paperwork: you have to prove the domain is yours, and the website must open over HTTPS. We explain these two topics separately in what is a domain and how do you get one and what is hosting.

Also prepare the pages for the terms of sale, the refund policy and the privacy policy in advance. Not every provider lists them as an explicit requirement, but they may be asked about during the review and are needed anyway for buyers' trust; get the exact list from the provider you choose.

How is payment connected on each platform?

The connection method depends on the platform the website is built on. Before choosing, ask the provider whether there is a ready-made solution for your platform.

Sources: Payriff, Epoint, Yığım.

This table also affects the choice of platform: easy connection of local payment is one of the main requirements for an online store. We show the remaining differences between platforms in the comparison Tilda, WordPress or a custom website.

Can you accept payments with Apple Pay, Google Pay and instalment cards?

Yes. Apple Pay and Google Pay work in Azerbaijan (Apple, Google), and Epoint, Payriff and Yığım list them as online payment methods in their services. For the buyer this means paying with one touch without typing the card number, and it reduces the chance of an order being abandoned on the phone.

Instalment cards (Birbank instalments, Tamkart, Bolkart and others) are one of the main sales tools for stores that sell expensive products. Instalments are connected to the website not as a separate programme but through a payment provider. The buyer chooses the number of months on the payment page, and the seller pays the cost of the interest-free split as a commission. We show in detail how this model works in an electronics store in online store for electronics and home appliances.

Do not drop cash on delivery either: some buyers still prefer to pay after seeing the goods. The best model is to offer card payment and cash on delivery together.

Do Stripe and PayPal work in Azerbaijan?

Stripe is not available to businesses registered in Azerbaijan: Azerbaijan is not on the official list of countries it supports (Stripe). PayPal does not openly confirm accepting payments for Azerbaijani accounts: the company's terms state that this feature is offered only "where available" (PayPal).

The practical upshot: for a business registered in Azerbaijan, the realistic route is a local bank or a licensed payment provider. Most local providers also accept Visa and Mastercard cards from foreign banks, so this route works for selling to foreign customers too; clarify the terms and the commission in advance.

What are the most common mistakes when adding online payments?

Most mistakes are organisational, not technical. Six typical cases:

1. Looking only at the commission. A late payout can matter more to your turnover than a low percentage.
2. Opening the payment account in the contractor's name. The account and the contract must be in the company's name; the developer is given technical access only.
3. Not testing the refund scenario. When the first refund request arrives, nobody knows how the process works.
4. Leaving the instalment commission out of the price. With long-term instalments, the commission can eat the whole margin.
5. Not tracking failed payments. Calling or messaging a buyer whose payment did not go through wins back part of the lost orders.
6. Not connecting payment to analytics. If the successful order event is not passed to the advertising systems, advertising cannot optimise for sales. We explain how to set this up in Meta ads for an online store.

How does Advertol connect online payments?

On Advertol's website and app projects, the contract with the payment provider is concluded in the name of the client company, while the team takes on the integration, the test scenarios and making sure order statuses work correctly. The provider is chosen at the start of the project, because the choice of platform and the structure of the payment page depend on it.

Payment alone does not bring sales: the website, advertising and communication with the customer complete it. Advertol is an agency based in Baku: website and mobile app development, Meta and Google advertising, SMM, CRM and AI automation are handled by one team. For an example of the CRM side of an online sales system, see the Momento Travel project; our way of working is described on the website and app development page.

Frequently asked questions

Can you accept online payments without a VÖEN?

None of the providers we checked openly confirms connecting without a VÖEN: tax registration as a sole proprietor or a legal entity and a bank account are required. Although some providers use the words "private individual", their lists of documents still show a VÖEN. So complete your tax registration before you start selling online.

How much is the commission on online payments?

In the tariffs published as of October 2026, the commission on a standard card payment is roughly 1.5% to 3.8%: card payments start at 1.5% in Kapital Bank's "Linklə ödə" service, PAŞA Bank shows 2% for local cards, Epoint 3%, Payriff 3.5–3.8%. A number of banks and providers set the tariff individually. For payments with instalment cards, the commission can be from 3% to 26% depending on the term.

How long does it take to add online payments to a website?

If the documents are ready and the website meets the requirements, the process is measured in days or one to two weeks. Yığım says integration usually takes 1–2 weeks. What most often prolongs it is late submission of documents and the website lacking basic elements such as contact details, prices and SSL.

I don't have a website; can I accept online payments?

Yes, with a payment link. Banks such as Kapital Bank, PAŞA Bank and ABB, as well as providers such as Epoint, Payriff and Yığım, offer a payment link or QR code that is sent to the customer in a message. This suits businesses that sell on Instagram and WhatsApp as a first step.

When does the money I receive reach my account?

It depends on the provider's model. For example, Kapital Bank says that in its "Linklə ödə" service card payments are paid out during the day and QR payments immediately; Epoint says funds are paid out to a business card at the interval you choose, and Payriff says the payout is made at the seller's request. Ask for this timeframe in writing before signing the contract.

Is the buyer's card data stored on my website?

No. In a standard integration, the buyer enters their card details on the bank's or payment provider's protected page; your website only receives the result of the payment. The bank or provider that works to the PCI DSS standard is responsible for protecting card data.

Conclusion

Adding online payments to a website is more organisational than technical work: tax registration, a bank account, a well-chosen provider and a website ready for review. Compare two or three offers in writing on commission, payout time, refunds and ready-made modules, sign the contract in your own name, and test three scenarios before going live — a successful payment, a decline and a refund.

If you are planning an online store or a paid website and want to hand the process to one team, from choosing a provider to integration, book a free strategy call or write to the Advertol team.

Sources

• Central Bank of the Republic of Azerbaijan — Registry of payment institutions
• Central Bank of the Republic of Azerbaijan — Registry of e-money institutions
• Law of the Republic of Azerbaijan "On Payment Services and Payment Systems", 14.07.2023, No. 987-VIQ
• Kapital Bank (Birbank Biznes) — E-commerce
• Kapital Bank (Birbank Biznes) — Linklə ödə
• PAŞA Bank — E-commerce
• PAŞA Bank — Tariffs
• ABB — E-commerce (ePOS)
• ABB — ABB Link
• Unibank — Online trade (e-commerce)
• AccessBank — POS and e-commerce
• Epoint — Frequently asked questions
• Epoint — Contract terms and tariffs
• Payriff — Prices and terms
• Payriff — Documentation
• Yığım — Internet acquiring
• Yığım — Shopify payments, 22.09.2026
• GoldenPay
• Stripe — Global availability
• PayPal — User Agreement (Azerbaijan)
• Apple — Countries and regions that support Apple Pay, 30.09.2026
• Google Wallet Help — supported countries
• EMVCo — EMV 3-D Secure
• PCI Security Standards Council — PCI DSS