SM Pay

SM Pay is the mobile banking service of Standard Moliya LLC. Payments, transfers, and invoices are handled in a single app: no lines, no tickets, and no branch visits.

PAYMENTS
• Mobile communications, internet, television, landline communications
• Utilities and services from the supplier catalog
• Payment by QR code, including the national "Ramzi Yagona"
• Autopayments - the app will pay on time automatically

TRANSFERS
• By phone number: within SM Pay and to other wallets in Tajikistan
• Payment orders to other banks in the country - with details and execution status
• Electronic receipt for each transaction, authenticity verified by QR code

CLIENT INVOICES
• Issue an invoice by TIN or phone number - the payer's name will be filled in automatically
• Send a link or QR code: the client will open the app and pay in a couple of taps
• Status is immediately visible - awaiting payment, paid, canceled
• Invoice can be downloaded as PDF

DEPOSITS AND LOANS
• Deposits: rates and terms in the app, opening and replenishing online
• Loans: Application and repayment without waiting in line, payment schedule at your fingertips
• Credit line: limit, outstanding balance, and transaction history in one section

CURRENCY
• Exchange at the bank's exchange rate: somoni, dollar, euro, ruble
• The exchange rate and final amount are visible before the transaction is confirmed

EXPENSE CONTROL
• Each payment has its own expense category, from "Family Expenses" to "Education"
• "Finances" section: monthly expenses and income, broken down by category
• Account statement - download as a file or send by email

SECURITY
• Login with fingerprint or access code
• Each transaction is signed with a key on your device, large transactions are additionally confirmed with a code sent via SMS
• Protection against phone fraud: the app is blocked during a call to prevent you from being forced to transfer money "under dictation"
• "Assistant" will guide you through transactions and help you complete the payment

OOO MDO "Standard Moliya" License No. 0000331 of the National Bank of Tajikistan.
Dushanbe, Shevchenko Street, 113.