Refah Payment System (RPS) is a pioneer in Afghanistan’s electronic payment sector, authorized by Da Afghanistan Bank (DAB) in 2021. RPS expands access to financial services in remote areas through agency banking and provides POS payment solutions to businesses nationwide. Its POS network supports balance inquiry, electronic purchases, bill payments, Cash-In, Cash-Out, and card-to-card transfers. Through integration with the Afghanistan Payment System (APS), RPS also accepts domestic AfPay cards issued by private and government commercial banks. RPS is committed to expanding financial inclusion and advancing electronic payments across Afghanistan.
Institutions
Ministries, employers, and programs that disburse at scale.
People
Holders who receive, spend, and cash out on the same network.
Partners
Banks, wallets, agents, and merchants already on the rails.
Mission
To make electronic payments and essential financial services more accessible across Afghanistan by connecting banks, institutions, businesses, and customers through reliable payment solutions, agency banking, and a nationwide POS network.
Vision
To become a leading electronic payment network in Afghanistan, expanding financial inclusion, connecting communities and businesses to formal financial services, and supporting the country’s transition toward a more accessible and efficient digital financial system.
Values
01
We believe every transaction should be recorded and traceable. Clear transaction records support accurate financial reporting, account reconciliation, and accountability.
02
We connect people and businesses to financial services through banks, payment cards, POS terminals, and agency banking, helping make electronic payments accessible across Afghanistan.
03
We strive to provide dependable payment services through appropriate verification, transaction monitoring, and clear payment status, helping institutions and customers track their transactions with confidence.
04
We value responsible account management, appropriate authorization, and clear operating controls to protect customers, support institutions, and promote the responsible handling of funds.
How we operate
“Every payment should be traceable—from initiation and delivery to its record in the financial accounts.”
We facilitate electronic payments, cash deposits, and cash withdrawals through our payment network, helping customers access financial services and enabling transactions to be recorded for tracking and reconciliation.
From electronic purchases and bill payments to card-to-card transfers, our POS network supports practical payment needs for individuals, businesses, and institutions.
We support transparent transaction tracking and financial reconciliation through transaction records that help institutions review payment activity and prepare financial reports.
RPS services are provided through established operational processes and institutional partnerships, supporting responsible access to payment services and the needs of our banking and business partners.
Get started
Request an RPS institutional account today. To ensure full compliance and security, every application is reviewed and approved by our staff before login access is granted — this is a controlled, verified setup, not an instant public signup.
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