How does an m10 payment work?
The customer keeps a balance in the m10 app, usually topped up from a bank card, and pays from that balance. In shops, the customer scans a QR code at the till or the merchant’s terminal and confirms in the app. Online, the exact flow depends on the provider that carries m10: the customer chooses m10 at checkout and confirms in the m10 app, typically by scanning a QR code shown on desktop or by switching to the app on mobile. The result returns to the merchant once the customer confirms, and payments are in Azerbaijani manat only.
m10 has two levels of use. Customers who have not completed identity registration with their personal identification number (FIN) are limited to a balance of AZN 300 and AZN 300 of payments a month, and cannot withdraw cash or send money to cards. Once the customer completes FIN registration, those limits are lifted and transfers, cash withdrawals and loans become available. For a merchant, this means a first-time wallet user may hit the AZN 300 ceiling on a larger basket.
Why does m10 matter for merchants?
m10 is a large wallet in a market where people increasingly pay from their phones. Bir reports 4.5 million registered m10 users and 255 million m10 transactions in 2025, and says its wider ecosystem reaches more than 5 million people, close to half the population. The m10 website says 700,000 people use the app every day. The wallet keeps adding services: international transfers to more than 140 countries with Paysend in June 2026, and an AI bill payment assistant in August 2026. QR acceptance spread quickly: PASHA Bank reported 3.5 million m10 QR transactions worth more than AZN 81 million through its terminals by the end of 2023, and the wallet is now accepted at more than 20,000 points of sale, including cafés, shops and public transport.
The national infrastructure supports this. In 2025 the Central Bank of Azerbaijan set a national AZQR standard for QR payments, and QR payments through its 24/7 Instant Payments System grew 6.2 times in the second half of the year. Customers who already pay by QR in shops recognise the same step at an online checkout. For merchants selling digital goods, travel, retail or services into Azerbaijan, m10 is a local method worth offering next to cards.
What can go wrong?
Most failed m10 payments are flow problems rather than declines. A QR code shown on desktop can expire while the customer looks for their phone, and a mobile redirect can fail if the app is not installed. Customers without FIN registration hit the AZN 300 monthly limits, and a low balance causes a decline until the customer tops up from a card. Show m10 only to customers in Azerbaijan, and keep the card form one tap away as a fallback.
Refunds are handled through the provider rather than as a card reversal, and how quickly they reach the wallet depends on the provider agreement. Because a wallet payment is not a card transaction, there is no card-scheme chargeback on the m10 payment itself, but clear order records remain the main defence in a dispute. Payouts to m10 wallets are not part of the published merchant offering, so customer refunds go back through the provider, and any payout to a customer or seller usually goes to their card instead. A marketplace that pays sellers in Azerbaijan should plan those payouts on a separate rail from m10 pay-ins.
How would Omno handle m10?
Omno presents m10 in the hosted checkout with the right flow per device, QR on desktop and app redirect on mobile, and through Direct Links for merchants with their own checkout. Payment status is tracked from pending to final, and the final result arrives by webhook, which is the source of truth for releasing an order. Eligibility rules control which customer groups and merchant categories see m10, so a merchant can show it only to shoppers in Azerbaijan paying in manat. Routing rules set by the merchant choose the provider. In the hosted checkout, if a provider is unavailable or rejects the request, the payment moves to the next provider in the rule until one accepts, and the routing-decision log records which provider handled each payment and why.