for merchants · voucher engine
Accept financed payments at the point of sale.
The tezfin platform issues vouchers financed by Islamic (Murabaha, Mudarabah-PDS) or conventional products. Connected merchants accept them as a cashless instrument from the customer budget.
how it works
- 1 The customer receives financingMurabaha / Mudarabah / a conventional loan forms a purchase budget
- 2 The voucher is tied to the budgeta cashless instrument with a designated purpose
- 3 The merchant accepts the voucher at checkoutretail, education, healthcare, utility payments
- 4 T+1 settlement to the merchant accountfixed fee: % + flat per settlement
use cases
Where the voucher works.
Retail
Groceries, consumer goods, supermarkets.
Education
Tuition, courses, schools.
Healthcare
Clinics, pharmacies, medical services.
Utilities
Utility and service payments.
merchant portal
One portal · all MFO tenants.
Merchants get a portal at merchant.tezmfo.uz: accept vouchers, track settlements, reconcile payouts. Connect once — it serves every tenant on the platform.
ready to launch?
8 weeks to your first disbursement in production.
Apply as an MFO or as a merchant partner. The tezfin team will reach out within 1 business day.