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A new payment initiative by the Bir Ecosystem: unlimited payments begin with the m10 digital card
18.12.2025

The Bir ecosystem, consistently introducing advanced digital payment solutions to simplify everyday life for its customers, presents another innovation. The m10 application, an integral part of the ecosystem that has offered users a wide range of digital transaction capabilities since its launch, now enables international use of funds through the m10 in-app digital card. Launched in partnership with the Mastercard, a global technology company in paymets, the new digital card allows m10 users to make convenient payments anywhere in the world.

The key feature of the new m10 digital card is that its balance is fully integrated with the user’s existing m10 e-wallet. After registering in the app and successfully completing identity verification, users can activate the card within seconds. To start using it, simply tap the “Activate Card” button on the main screen of the application. This is one of the fastest digital card activation processes available on the market, enabling users to make payments immediately after activation.

With the m10 digital card, payments can be made at any POS terminal that supports contactless payments (NFC). By adding the card to Apple Wallet or Google Wallet, payments can even be made without an internet connection.

All functionalities, including online payments, saving card details on various websites, and shopping abroad while traveling, are accessible through the m10 digital card. In addition, all other existing features of the m10 wallet remain active, such as in-app payments, QR payments, transfers between m10 wallets, domestic and international money transfers, and payments via BakıKart. 

m10 recently participated in the Money 20/20 Europe forum in Amsterdam, where it announced the start of a strategic partnership with Mastercard, a global technology company in paymets. This partnership enables the smooth launch of international payment solutions, like the m10 digital card, and represents an important step in promoting Azerbaijan’s digital financial solutions on the global stage.

For more information, please visit: www.b-b.az/bmdc 

Bir ecosystem unites the country’s leading brands, Birbank, Birmarket, m10 and MilliÖn, under one umbrella. At the same time, the ecosystem strengthens its impact and enriches customer experience by collaborating with strategic allies such as Trendyol Azerbaijan and BakıKart. Thanks to this integration, customers benefit from QR payments in partner networks and public transport, credit shopping on Birmarket via Birbank, installment payments on Trendyol Azerbaijan using Birbank cards, a unified bonus program and many other solutions. All these services are built on four core pillars of the ecosystem: Unified login, Unified bonus, Unified payment and Unified credit platform, which deliver fast, convenient, cost-effective and secure services to customers. 

 


     



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Andrea Hagmann
Member of Supervisory Board of AccessBank Azerbaijan
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Takhmasib Dadashev
Writer, Associate Professor of the Moscow Institute of Physics and Technology (Russia), the author of over 40 research articles and six books on innovative technologies, facial recognition and programming.
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Expert of consulting company "Advision Finance"
 
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