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For Consumers

Do I get charged a commission when I pay with GoldenPay?
No. You are only charged the amount you chose to pay.

What is a CVC number?
The CVC number is a 3-digit code on the back of your Visa, Visa Electron, MasterCard, or Maestro card. It exists for security purposes. Even if your card number is stolen, fraudulent payments can not be processed without the CVC.

My card does not have a CVC code. What should I do?
Please contact your bank and request a new card that contains a CVC number.

What is 3D Security?
3D Security is an additional layer of security to help protect online payments (in absence of the PIN code you have to enter at offline POS terminals). If you have signed up for 3D Security, your bank will send you a one-time password every time you try to make an online payment.

This security system is developed by both Visa (Verified by Visa) and MasterCard (MasterCard SecureCode).

Does GoldenPay allow me to pay with a card issued by a foreign bank?
If you would like to make a payment with a card issued by a foreign bank, please send us the following information from your own email address:

  • First and last name
  • Phone number
  • Email address
  • Reason for unblocking the card
  • A photo of the card (only the first 6 digits and your name must be shown)
  • A document confirming your identity (passport or other government-issued photo ID)

Can I make payments using local and credit cards (Albali, Bolkart, ParPar, Gift Card, Muğanbank “VisaGift” Card)?
You can make payments with these cards only on

What is a Gift Card?
An electronic gift card that can be used to make payments on

What should I do if I received an error during the payment process?
Send an email to explaining exactly what happened. Try to be as descriptive as possible in your explanation.

Are my transactions secure?
Yes. GoldenPay uses GeoTrust TLS/SSL Encryption to encrypt transactions. GeoTrust is one of the world leaders in data encryption.

What if an unauthorized person uses my card to pay?
In the event that you notice a strange charge on your account statement, you will need to contact the bank that issued the card.

Can I print a receipt after I pay with GoldenPay?
Yes. A print option is available on all of our confirmation pages. You will see both a button that allows you to print and a one that allows you to send the receipt to an email address of your choice. If you would like to keep a record of all your payments and print a receipt at any time, you can sign up for an account at

I can't print or send a receipt on What should I do?
To receive receipts by email, please make sure you confirm your email address. To print receipts, please makes sure your browser allows Pop-ups.

I didn't receive the receipt email. What should I do?
Please send an email to and we will be happy to send you a new receipt.

Is the receipt legal?
Yes. The receipt you receive after paying online with GoldenPay is completely legal and can be used as proof of payment in disputes with merchants. Please contact us at if you have any contradictions with merchants.

Can I use GoldenPay for card-to-card transactions?
No. This service is not currently available. Only banks offer this service for now.

Do I get charged a commission when I pay loan payments with GoldenPay?
Commission is not charged for loan payments to these banks: Nikoil Bank, Unibank, VTB Bank, Accessbank and Bank of Baku

A fee of 1 AZN will be charged for loan payments to these banks, regardless of the amount paid: AGBank, TuranBank, Bank Respublika, Ata Bank, Embafinans, Rabitəbank, Expressbank, ASB, Amrahbank, Muganbank, TBC Kredit, Kapitalbank, AzərTürkBank, Yapı Kredi Bank, İrşad electronics, PSG finans, İdeal Kredit and Xalq Bank.

For Business

I would like to connect my company to GoldenPay. How do I do that?
Please view our Get Connected page for more details.

How does GoldenPay work?
Please check out our How it Works page for complete information.

I have a portal and would like to add GoldenPay's online payment page. How can I do that?
Please go to our PortalPay page for more information.

Is GoldenPay like WebMoney or Paypal?
The short answer is "No." GoldenPay processes online credit card payments, as opposed to providing online money transfer services.

I have a company registered outside Azerbaijan. Can I connect to GoldenPay?
No. Currently only companies registered in Azerbaijan can connect to GoldenPay.