# AniPay

> Source: https://docs.barcoder.ai/docs/standards/anipay
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [AniPay — Central Bank of Azerbaijan](https://anipay.az/)

## Overview

**AniPay** is **Azerbaijan's national Instant Payments System (IPS) mobile application**, established by the **Central Bank of the Republic of Azerbaijan** <sup>[1][1], [2][2], [Azerbaijan report](https://docs.barcoder.ai/docs/payments/AZ)</sup>. AniPay enables users to **complete payment transactions within seconds in 24/7/365 mode using alternative identifiers (FIN, TIN, mobile phone number, e-mail)** + supports **widespread use of innovative QR-code technologies**. Launched **October 1, 2020**, the Instant Payments System is **Azerbaijan's primary rail for real-time retail transactions** facilitating **24/7 payments between individuals, businesses, and government bodies** with **funds arriving in 5–10 seconds per CBAR's stated SLA** + operating **through bank applications + the central AniPay portal**.

The structural significance: AniPay represents **Azerbaijan's central-bank-operated instant-payment + QR-payment infrastructure** — joining the **post-2020 central-bank-operated instant-payment cohort** (Pix BR 2020, TIPS TZ, Transferencias 3.0 AR 2021, [KHQR](https://docs.barcoder.ai/docs/standards/khqr) KH 2020, [WAMD](https://docs.barcoder.ai/docs/standards/wamd) KW 2024). **Alternative identifiers (mobile + email + PIN + TAX)** provide flexibility beyond mobile-number-only systems. **5-20 second settlement speed** is competitive with modern instant-payment rails. **Operations between individuals, businesses, and government bodies** comprehensive multi-flow coverage. AniPay competes with **commercial bank wallets** (**KapitalPay** by Kapital Bank, others) in Azerbaijan's payment landscape — AniPay as **national-rail + payment-app**, KapitalPay as **commercial-bank-wallet built on top of AniPay rail**. Azerbaijan's payment-modernisation reflects **post-Soviet Caucasus payment-infrastructure-development** trajectory — building modern payment infrastructure from oil-export-driven economic base.

## History

**Background — Azerbaijani payment landscape** <sup>[Azerbaijan report](https://docs.barcoder.ai/docs/payments/AZ)</sup>:
- **Central Bank of the Republic of Azerbaijan (CBAR)** — central bank.
- Major Azerbaijani banks: Kapital Bank (largest), International Bank of Azerbaijan, Pasha Bank, Unibank.
- **Epoint** — Azerbaijani e-commerce platform.

**Instant Payments System (IPS) development by CBAR** <sup>[1][1]</sup>:
- Pre-launch development.

**October 1, 2020 — IPS + AniPay launch** <sup>[2][2]</sup>:
- 24/7/365 real-time.
- Alternative identifiers (mobile, email, PIN, TAX).
- QR-code technologies.

**Bank-application integration** <sup>[2][2]</sup>:
- AniPay accessible via bank apps.

**KapitalPay competition** [[ezeepayment]]:
- Kapital Bank's commercial wallet on AniPay rail.

## Technical specification

AniPay is **CBAR-operated Azerbaijani national IPS mobile app + QR-payment infrastructure** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **Central Bank of Republic of Azerbaijan (CBAR)** |
| **System name** | **Instant Payments System (IPS)** + **AniPay** app |
| **Currency** | AZN (Azerbaijani manat) |
| **Launch** | **October 1, 2020** |
| **Operation** | 24/7/365 real-time |
| **Settlement speed** | 5–10 seconds (CBAR-stated SLA) |
| **Identifiers** | Mobile number, email, PIN, TAX (alternative identifiers) |
| **QR-code support** | Yes |
| **Flows** | P2P, P2B, P2G |
| **Channels** | Bank applications + central AniPay portal |

## Use cases

**P2P transfers (individuals)** <sup>[2][2]</sup>: Cardinal — instant.

**P2B payments (businesses)** <sup>[1][1]</sup>: Merchant payments.

**P2G payments (government bodies)** <sup>[2][2]</sup>: Public-sector services.

**QR-code merchant payments** <sup>[1][1]</sup>: Scan-to-pay.

**Alternative-identifier addressing** <sup>[2][2]</sup>: Mobile + email + PIN + TAX flexibility.

**Cross-bank universal acceptance via IPS rail** <sup>[1][1]</sup>: National interoperability.

## Implementations & ecosystem

**Operator**: **Central Bank of Republic of Azerbaijan (CBAR)**.

**System**: **Instant Payments System (IPS)**.

**App**: **AniPay**.

**Major participating banks**: Kapital Bank, International Bank of Azerbaijan (IBA), Pasha Bank, Unibank, Bank Respublika, others.

**Major competitor wallet**: **KapitalPay** (Kapital Bank).

**E-commerce companion**: **Epoint**.

## Fun facts

- **October 1, 2020 launch**: Central-bank-operated instant-payment cohort with Pix BR + Bakong KH.
- **Alternative identifiers**: Mobile + email + PIN + TAX flexibility.
- **5-20 second settlement**: Fast modern instant-payment.
- **24/7/365 operation**: Always-available.
- **P2P + P2B + P2G coverage**: Comprehensive flows.
- **QR-code technologies**: Modern payment-acceptance.
- **CBAR central-bank-operated rail**: Sovereign payment-infrastructure.
- **Competition with KapitalPay**: Commercial-bank-wallet ecosystem.
- **Post-Soviet Caucasus modernisation**: Regional payment-infrastructure-development.

## Comparison

| Feature | AniPay (AZ) | [WAMD](https://docs.barcoder.ai/docs/standards/wamd) (KW) | Pix (BR) | [Transferencias 3.0](https://docs.barcoder.ai/docs/standards/transferencias-3-0) (AR) | [KHQR](https://docs.barcoder.ai/docs/standards/khqr) (KH) |
|---|---|---|---|---|---|
| Operator | CBAR | K-Net (CBK-supervised) | BCB | BCRA + COELSA | NBC |
| Type | **National IPS + QR + alternative identifiers** | National real-time payment | National instant payment | Instant interoperable QR | National payment + QR |
| Launch | **Oct 2020** | Jun 2024 | Nov 2020 | Nov 2021 | Oct 2020 |
| Identifiers | **Mobile + email + PIN + TAX** | Phone number | Various | Alias + IBAN | Multiple |
| Settlement speed | **5–10 seconds** | Real-time | Real-time | Real-time | Real-time |

## Status

**Active, foundational AZ instant-payment-rail** <sup>[1][1], [2][2]</sup>:
- **CBAR operator**.
- **October 1, 2020 launch**.
- **24/7/365 + 5-20 second settlement**.
- **Alternative identifiers (mobile + email + PIN + TAX)**.
- **P2P + P2B + P2G coverage**.

## Sources

[1]: https://appadvice.com/app/anipay/1546614615 "AniPay — AppAdvice"
[2]: https://www.lightspark.com/knowledge/azerbaijan-instant-payments "Azerbaijan Instant Payments — Lightspark"
[3]: https://play.google.com/store/apps/details?id=az.anipay.usermbanking "AniPay — Google Play"
[ezeepayment]: https://ezeepayment.com/mobile-payment-apps-in-azerbaijan/ "AZ mobile payment apps — Ezee Payment"
[chrome]: https://chrome-stats.com/d/az.anipay.usermbanking "AniPay — Chrome Stats"

- [1] [AniPay — AppAdvice][1]
- [2] [Azerbaijan Instant Payments — Lightspark][2]
- [3] [AniPay — Google Play][3]
- [ezeepayment] [AZ mobile payment apps — Ezee Payment][ezeepayment]
- <sup>[Azerbaijan report](https://docs.barcoder.ai/docs/payments/AZ)</sup> `reports/countries/AZ-azerbaijan.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **AZ** — [AZ-azerbaijan.md](https://docs.barcoder.ai/docs/payments/AZ)