8 Payriff Features That Will Transform Your Azerbaijan eCommerce Business

Running an online store in Azerbaijan requires more than just a basic payment gateway—you need tools that understand local banking, support AZN transactions, offer installment payments, and provide the security Azerbaijan customers expect. Payriff wasn’t just adapted for Azerbaijan; it was built from the ground up for the Caucasus market.

If you’re using Store.icu to power your eCommerce business, Payriff integration (included on all plans) unlocks 8 powerful features that can dramatically increase your conversion rates, average order values, and customer satisfaction. Let’s explore each feature and how it transforms your Azerbaijan online business.

Feature #1: Native AZN (Azerbaijani Manat) Support

What It Is:

Complete native support for Azerbaijani Manat (AZN) as your primary transaction currency—no forced conversions, no hidden fees, no exchange rate surprises.

Why It Matters:

When customers see prices in foreign currencies (USD, EUR), trust drops and conversion rates plummet. Azerbaijan shoppers want to buy in manat, and they want to know exactly what they’re paying—no surprises at checkout.

Key Benefits:

• No Conversion Confusion: Prices displayed match what customer pays
• Psychological Trust: Local currency builds confidence
• Accurate Pricing: No exchange rate fluctuations
• Better Conversion: 20-30% higher checkout completion vs. foreign currency
• Settlement in AZN: Receive funds directly in manat

Real-World Impact:

“We used to show prices in USD and lost customers at checkout when they saw the AZN conversion. After switching to Payriff with native AZN, our conversion rate jumped from 1.2% to 2.8%. Customers finally trust the price they see.”

Feature #2: Universal Card Acceptance (Including EmirCard)

What It Is:

Accept ALL cards used in Azerbaijan: Visa, Mastercard, AND EmirCard (local Azerbaijan card system), plus cards from all major banks.

Why It Matters:

Many payment gateways only support international cards (Visa/Mastercard), missing a huge segment of Azerbaijan customers who prefer local cards or only have EmirCard.

Supported Cards:

• ✅ Visa: International and domestic Visa cards
• ✅ Mastercard: All Mastercard variants
• ✅ EmirCard: Azerbaijan’s local card system
• ✅ Kapital Bank Cards: Direct support
• ✅ International Bank Cards: Full integration
• ✅ Other Local Banks: PASHA Bank, Expressbank, ABB, etc.
• ✅ Debit & Credit: Both types accepted

Market Breakdown:

Without EmirCard support, you’re missing 25-35% of potential customers!

Feature #3: Installment Payments (Taksit)

What It Is:

Allow customers to split purchases into 3, 6, 9, or 12 monthly installments directly through their credit cards—no separate loan application required.

Why It Matters:

₼500 upfront feels expensive. ₼83/month for 6 months feels affordable. Installments transform “I can’t afford this” into “I can make these payments.” This is especially powerful in Azerbaijan where installment culture is strong.

How It Works:

1. Customer adds ₼600 item to cart
2. At checkout, sees installment options:
   • 3 months: ₼200/month
   • 6 months: ₼100/month
   • 9 months: ₼66.67/month
   • 12 months: ₼50/month
3. Customer selects preferred term
4. Bank approves installment
5. You receive full ₼600 immediately
6. Bank handles monthly collections

Installment Impact by Product Category:

“Enabling taksit was a game-changer. Our average order value jumped from ₼280 to ₼420—a 50% increase. Customers buy the better model or add accessories when they can pay monthly. Plus, we get the full amount immediately while the bank handles collections.”

Feature #4: 3D Secure Authentication

What It Is:

Enhanced security layer requiring customers to verify their identity through their bank’s authentication system (SMS code, app approval, or password).

Why It Matters:

3D Secure dramatically reduces fraud and chargebacks while building customer trust. Azerbaijan customers EXPECT this security—it’s standard practice here. Stores without it look suspicious.

How 3D Secure Works:

1. Customer enters card details
2. Redirected to their bank’s verification page
3. Receives SMS with one-time code
4. Enters code to confirm transaction
5. Returns to your store with confirmed payment

Security Benefits:

• Fraud Reduction: 75-90% fewer fraudulent transactions
• Chargeback Protection: Liability shifts to bank if 3D Secure used
• Customer Trust: Customers feel safer shopping
• Regulatory Compliance: Meets Azerbaijan Central Bank requirements
• Lower Fees: Some processors reduce fees for 3D Secure transactions

The Trade-off:

Concern: “Won’t 3D Secure reduce conversions?”

Reality in Azerbaijan: No! Azerbaijan customers expect 3D Secure. NOT having it actually reduces trust and conversions. Studies show:

• With 3D Secure: 92-95% completion rate (in Azerbaijan)
• Without 3D Secure: 85-88% completion rate (customers suspicious)

Feature #5: Fast Settlements (T+1 to T+2)

What It Is:

Receive your money in 1-2 business days instead of the 5-7 days typical with traditional payment gateways.

Why It Matters:

Cash flow is oxygen for small businesses. Faster settlements mean you can restock inventory, pay suppliers, cover expenses, and grow faster without waiting a week for your money.

Settlement Schedule:

Settlement Features:

• Automatic Transfers: No manual payout requests needed
• No Minimum Amount: Settle any amount, no thresholds
• All Azerbaijan Banks: Transfer to any local bank account
• Free Transfers: No settlement fees charged
• Daily Batches: Multiple settlements per day possible
• Express Option: Same-day available for qualified merchants

Cash Flow Example:

Scenario: ₼10,000 in sales on Monday

• With Payriff: Money in bank Wednesday = Use for Thursday restocking
• Traditional Gateway: Money in bank next Monday = 7-day wait

That 5-day difference lets you restock faster, run flash sales with confidence, and seize business opportunities without waiting.

Feature #6: Multi-Currency Display & Processing

What It Is:

Display prices in multiple currencies (AZN, USD, EUR, GBP, RUB, TRY) while processing everything through Payriff. Customers see their preferred currency, you receive AZN.

Why It Matters:

If you sell to tourists, expats, or international customers, multi-currency display makes your store accessible while you still receive clean AZN settlements.

How It Works:

1. Set your base prices in AZN
2. Enable multi-currency in Store.icu + Payriff
3. Customers see prices in their currency:
   • Azerbaijan locals: ₼100
   • US tourists: ~$60
   • Russian visitors: ~5,500₽
   • Turkish tourists: ~1,900₺
4. At checkout, automatic conversion to AZN
5. You receive ₼100 in your account

Perfect For:

• Tourism Products: Hotels, tours, souvenirs
• International Services: Digital products, software
• Expat Targeting: Sell to foreigners living in Azerbaijan
• Export Businesses: Ship internationally from Azerbaijan

Currency Support:

• 🇦🇿 AZN (Azerbaijani Manat) – Primary
• 🇺🇸 USD (US Dollar)
• 🇪🇺 EUR (Euro)
• 🇬🇧 GBP (British Pound)
• 🇷🇺 RUB (Russian Ruble)
• 🇹🇷 TRY (Turkish Lira)

Feature #7: Recurring Billing for Subscriptions

What It Is:

Automatically charge customers on a recurring schedule—weekly, monthly, quarterly, or annually. Perfect for subscription boxes, memberships, and SaaS products.

Why It Matters:

Subscription businesses have 3-5x higher customer lifetime value. Payriff handles all the complexity: storing cards securely, charging on schedule, retrying failed payments, and sending notifications.

Perfect For Azerbaijan:

• Fitness Centers: Monthly gym memberships
• Education: Recurring course access
• Beauty Boxes: Monthly cosmetics delivery
• Software/SaaS: Monthly subscription access
• Media: News sites, premium content
• Food/Beverage: Coffee, snack subscriptions

Features Include:

• Flexible Billing: Weekly, monthly, quarterly, annual
• Trial Periods: Offer 7, 14, or 30-day free trials
• Automatic Retry: Retry failed payments 3-5 times
• Upgrade/Downgrade: Change plans mid-billing cycle
• Pro-ration: Adjust charges for mid-cycle changes
• Pause/Resume: Let customers pause subscriptions
• Email Notifications: Automatic billing reminders

“We launched a monthly coffee subscription using Payriff recurring billing. It’s completely automated—customers are charged on the 1st, coffee ships on the 2nd. We went from ₼20,000 one-time sales to ₼50,000 predictable monthly recurring revenue in 6 months.”

Feature #8: Comprehensive Analytics Dashboard

What It Is:

Detailed reporting and analytics showing every aspect of your payment performance—transaction volumes, success rates, popular payment methods, and customer behavior.

Why It Matters:

Data drives decisions. Understanding your payment analytics helps you optimize for higher conversions, identify issues before they escalate, and make informed business decisions.

Key Metrics Tracked:

Transaction Analytics

• Total transaction volume (daily/weekly/monthly)
• Transaction count and trends
• Average transaction value
• Payment success/failure rates
• Peak transaction times

Payment Method Breakdown

• Visa vs. Mastercard vs. EmirCard usage
• Credit vs. debit card preferences
• Installment payment adoption
• International vs. domestic cards
• Bank-specific data

Customer Insights

• New vs. returning customer payments
• Geographic distribution
• Device usage (mobile vs. desktop)
• Time-to-payment metrics
• Cart abandonment reasons

Financial Tracking

• Daily/monthly gross merchandise value
• Transaction fee breakdown
• Settlement schedule and status
• Refund tracking and trends
• Chargeback monitoring

Actionable Insights:

Insight #1: EmirCard Dominance

Data: 40% of your transactions use EmirCard

Action: Prominently feature EmirCard logo at checkout, market to EmirCard users

Insight #2: Mobile Conversion Gap

Data: Mobile traffic 70%, but only 45% of conversions

Action: Optimize mobile checkout, reduce form fields

Insight #3: Installment Opportunity

Data: Only 15% using installments, but AOV is 2x higher

Action: Promote installments more prominently, educate customers

Insight #4: Peak Hours

Data: 60% of sales happen 19:00-23:00

Action: Schedule flash sales during peak hours, ensure customer support available

Putting It All Together: Real Success Stories

Case Study #1: Fashion Boutique (Baku)

Business: Women’s fashion, ₼80,000 monthly revenue

Features Used: AZN pricing, EmirCard, Installments, 3D Secure

Results:

• Conversion rate: 1.5% → 3.2% (113% increase)
• Average order value: ₼180 → ₼265 (47% increase with installments)
• EmirCard sales: 35% of total volume (would have been lost)
• Fraud incidents: Zero (3D Secure protection)
• Revenue growth: 140% in 6 months

Case Study #2: Electronics Store (Sumqayit)

Business: Consumer electronics, ₼200,000 monthly revenue

Features Used: Installments, Fast Settlements, Analytics

Results:

• Installment adoption: 55% of orders over ₼400
• Average order value: ₼320 → ₼520 (62% increase)
• Cash flow: T+2 settlements enabled weekly restocking
• Data-driven: Analytics identified peak hours for staffing
• Revenue growth: 85% in 4 months

Case Study #3: Subscription Box (Baku)

Business: Monthly beauty box, new business

Features Used: Recurring Billing, Multi-Currency, Analytics

Results:

• Launched with 120 subscribers at ₼45/month
• Grew to 850 subscribers in 8 months
• International customers: 12% (multi-currency crucial)
• Churn rate: 8% (excellent for subscriptions)
• MRR: ₼38,250 predictable monthly revenue

Your 60-Day Implementation Plan

Days 1-15: Foundation

1. Enable Payriff with AZN pricing
2. Verify EmirCard acceptance working
3. Enable 3D Secure for all transactions
4. Test thoroughly with real cards
5. Expected Impact: 20-25% conversion improvement

Days 16-30: Revenue Optimization

1. Enable installments for products ₼300+
2. Add “Taksit Available” badges to product pages
3. Educate customers about payment options
4. Monitor which products sell best with installments
5. Expected Impact: 30-50% AOV increase on eligible products

Days 31-45: Advanced Features

1. Set up multi-currency if selling internationally
2. Launch subscription products if applicable
3. Implement analytics tracking
4. Review settlement patterns
5. Expected Impact: New revenue streams, better insights

Days 46-60: Optimization

1. Analyze payment data for insights
2. A/B test checkout variations
3. Optimize for mobile conversion
4. Fine-tune installment offerings
5. Expected Impact: Additional 10-15% conversion improvement

Common Questions About These Features

Are these features included or extra cost?

ALL features are included with your Payriff account! You only pay standard transaction fees (2.5-3.5%). No setup fees, no monthly fees, no per-feature charges.

Do I need technical skills to use these features?

No! All features are configured through simple dashboards in Store.icu and Payriff. No coding required.

Can I enable some features and not others?

Yes. Start with core features (AZN, EmirCard, 3D Secure), then gradually add others as your business grows.

Will installments work with my Store.icu plan?

Yes! All Store.icu plans support Payriff’s full feature set, including installments.

How do I promote installments to customers?

Add “3 Aylıq Taksit” (3-month installment) or “12 Aylıq Taksit” badges to product images and descriptions. Show monthly payment amounts prominently.

The Competitive Advantage

Your competitors likely use basic payment gateways with limited features. By leveraging all 8 Payriff features, you gain:

• ✅ Conversion Advantage: 25-40% higher payment success
• ✅ AOV Advantage: 35-60% higher order values with installments
• ✅ Market Advantage: Reach 100% of Azerbaijan card users
• ✅ Cash Flow Advantage: 5 days faster access to your money
• ✅ Trust Advantage: Bank-grade security builds confidence
• ✅ Data Advantage: Make informed decisions with analytics

Related Resources:

• 📘 Complete Payriff + Store.icu Integration Guide
• 📊 Payriff vs Traditional Gateways Comparison
• 🎓 Store.icu University – Free courses