- Accelerating Azerbaijan’s digital
transformation by launching the first Mastercard–fintech
collaboration through m10, merging global expertise with local
innovation. - Enhancing everyday payment convenience with one-tap
activation, compatibility with Apple Pay and Google Pay, NFC
transport payments, and upcoming tailored loyalty
programs.
Bir ecosystem’s fintech solution m10 and Mastercard, a global
leader in digital payment technology, today announced the launch of
the m10 digital card — a fully digital payment solution designed to
deliver secure, convenient, and inclusive financial services across
Azerbaijan.
As the first collaboration of its kind in Azerbaijan between a
fintech brand and Mastercard, this partnership integrates
Mastercard’s global expertise and m10’s local innovation to support
the country’s acceleration toward a modern, digitally driven
economy.
The Mastercard-powered digital card is issued instantly inside
the m10 app and offers users a smooth, mobile-first payment
experience both domestically and internationally. With seamless
integration, practical digital tools, and upcoming personalized
loyalty programs, the new solution is globally accepted yet
tailored to the needs of Azerbaijan’s rapidly expanding digital
user base.
The digital m10 card operates on the same balance as the m10
wallet, eliminating the need for a separate account. Users can add
the card immediately to Apple Wallet or Google Wallet and begin
paying online, offline, and worldwide within seconds. Verified
users activate the card with a single tap and gain access to
contactless payments, online checkout, NFC transport payments,
offline functionality, and an interactive card interface that
responds playfully to user actions.
The collaboration leverages Mastercard’s advanced security and
anti-fraud technologies to ensure safe, reliable transactions.
Together, m10 and Mastercard are contributing to long-term digital
adoption, financial literacy, and sustainable economic growth in
Azerbaijan.
Leyla Mammadova, Area Product Lead at m10, said:
“m10 has always focused on delivering a smooth, intuitive, and
human-centered financial experience. With the launch of our digital
card, we are taking that vision to an entirely new level. The card
introduces a unique customer experience, effortless activation, and
truly seamless everyday usage — all fully integrated into the m10
app. This is more than a new feature; it marks a significant
milestone in our evolution, taking m10 to a more advanced level of
digital financial services. Our goal is to ensure that users feel
confident, delighted, and fully empowered as they embrace modern
digital payment habits.”
The launch of the digital m10 card further strengthens the
ongoing transformation of the Bir ecosystem, enhancing
interoperability, simplicity, and digital convenience. It also
aligns with Azerbaijan’s broader vision for innovation-led,
cashless economic development. By combining global payment
infrastructure with local digital innovation, m10 and Mastercard
are enabling millions of users to access secure, globally accepted
payment capabilities directly from their mobile devices.
About m10
m10 is a digital wallet and fintech solution developed by the
Bir ecosystem, the first fully integrated digital ecosystem in
Azerbaijan and the Caucasus. Since its launch in 2022, m10 has
focused on delivering a fast, secure, and intuitive financial
experience, supporting the country’s digital transformation through
a connected suite of services.
More information:
m10.az/en
About Mastercard
Mastercard powers economies and empowers people in 200+
countries and territories worldwide. Together with our customers,
we’re building a sustainable economy where everyone can prosper. We
support a wide range of digital payments choices, making
transactions secure, simple, smart and accessible. Our technology
and innovation, partnerships and networks combine to deliver a
unique set of products and services that help people, businesses
and governments realize their greatest potential.
More information: www.mastercard.com
