Osta vs Star Pay

Buy Now, Pay Tomorrow. Safest, Fastest and most secured platform. Osta is a Card-less, Wallet-less, POS-less and Swipe-less payment platform. Osta is a single use payment number. Osta platform generates unique digital number on customer request by marking a hold equal to the amount requested. This digital number or QR code can be used by the customer at registered merchants or aggregators or partner ATMs. Buy Now, Pay Tomorrow is for customers whose Banks are listed on the platform. It is not for debit card, credit card, wallet and other payment options. Osta uses secured payment technology and empowers customers to decide the value and validity of the Osta number. Osta uses lien (hold) marking instead of transfer of funds to wallets or direct debit to account . Benefits with Osta Compared to cards - As a user you need not store your bank provided details in third party app or enter it on multiple payment pages and hence zero risk of hacking. Compared to wallets - You need not transfer money in wallets and hence you manage only one financial account and you get interest till the account is debited for the transaction. We do not debit your bank account unless we are sure the transaction was successful at all ends. Also,We give you an opportunity to raise dispute on a transaction before debit to your account unlike other payment application. When you buy Jewellery or electronics at small stores - they wont may not ask you 2% extra when you pay by Osta. You will not lose your IRCTC ticket because you did not get OTP. You will pay less convenience fee. Your bank details shall be secured with yourself - as we do not store any bank provided credentials. There will be no double debits to your account. You need not followup for weeks to get your money back. There is no charge to you to release Osta unlike other products. Second factor authentication for creation and usage of Osta How to use? Register on Osta App or www.ostaapp.com Select your bank (if your bank is not listed then you shall not be able to use Osta) Perform one time authorization activity (we do not store any of the banks data in our system) Create Osta from any of the added payment source Use Osta at Osta partner location or website or payment gateway or ATM's You Features of Osta You can set expiry of each Osta generated for each account added i.e. In 1 hour, 1 day, 1 week or 1 month You can set per transaction, per day, per month, per year limits as defined by bank You can set primary account to be used for creation of Osta You can decide whether for balance amount should there be auto-generation of Osta or not Fraud Prevention Once Osta is used – it cannot be reused (it is a dynamic one-time usage number) Reattempts post usage would result in failure There is a second factor authentication while usage of Osta Recreation of Osta would give new number (reloading is not permitted) Osta value is decremental and for every usage new number is generated for preventing frauds/misuse One stop shop: Osta would work with Bank Accounts, Payment Banks, Credit Cards, Wallets and more. Also, you can use Osta for: Phase - 1: Online purchase Offline purchase Card-less ATM Withdrawal Phase -2: Funds Transfer Gift Osta (Smiler to Gift Vouchers and Gift Cards) Delivery by Osta Bill payments Recharges B2B payments Personal Finance Manager Kids Osta (Similar to Prepaid vouchers or cards) Food Osta (In lines with Food Card) Expense Analyser Budgeting (Plan the way you spend your money) NCMC FASTag etc We shall introduce banks and merchants incrementally and so shall be the features. We are a startup and would like your feedback on what would you like your payment app should do for you.

Star Pay proudly stands as a licensed non-bank electronic money financial institution, fully authorised and regulated by Da Afghanistan Bank. Our unwavering commitment is to extend accessible and reliable financial services to every corner of Afghanistan, with a particular focus on empowering individuals in remote and underserved communities who have traditionally lacked access to conventional banking facilities. We envision a future where every Afghan citizen, regardless of their geographical location, can actively participate in and contribute to the nation's economic growth, fostering a more inclusive and prosperous society. Experience the ease and security of digital transactions with Star Pay. Our intuitive platform empowers you to effortlessly and confidently send and receive money to your loved ones, friends, and business partners across Afghanistan, eliminating geographical barriers and fostering stronger connections. Enjoy unparalleled flexibility and convenience in managing your finances by seamlessly transferring funds between your existing bank accounts and your secure Star Pay digital wallet, and vice versa – putting you in complete control of your money. Experience the power of digital currency and effortlessly convert your physical cash into electronic funds and back again, adapting to your needs with remarkable ease. Bid farewell to physical cash, long queues and time-consuming processes – Star Pay enables you to swiftly settle essential bills such as electricity, educational fees for schools and universities, and healthcare payments to doctors, all from the comfort of your phone. Furthermore, we streamline your interactions with vital government services by facilitating secure payments for crucial documents like national ID, passports, vehicle registration, driving licenses, company licenses, and various municipal and other governmental taxes, saving you valuable time and effort. Stay connected with ease by purchasing electronic top-up for all major Mobile Network Operators (MNOs) including Roshan, Etisalat, AWCC, and Salam, all within the Star Pay ecosystem. Beyond empowering individual transactions, Star Pay actively fosters economic activity at the community level. Through our expanding network of trusted merchants, you can conveniently purchase everyday household necessities, directly supporting local businesses and contributing to the economic vitality of your region. Our robust and reliable platform also provides efficient and transparent solutions for organizations of all types. Governmental bodies, non-governmental organizations, and non-profit entities, both national and international, can leverage Star Pay to streamline the secure and timely distribution of employee salaries, significantly enhancing operational efficiency and accountability. At Star Pay, every operation is conducted with the utmost diligence and in strict adherence to the guidelines and regulations set forth by Da Afghanistan Bank, as well as our own strict administrative and security policies. We place vital importance on safeguarding the rights and interests of our valued customers. Our unwavering commitment to implementing robust customer rights and cutting-edge data protection policies ensures that every transaction you undertake is characterized by complete freedom, ironclad security, and the full exercise of your inherent rights and authorities as a valued member of our platform. "Ready to experience the future of finance in Afghanistan? Getting started with Star Pay is absolutely free and incredibly easy. Simply: • Visit your nearest official Star Pay agent. Our friendly agents are ready to assist you with account opening and answer any questions you may have. • Explore our comprehensive website at www.starpay.com for detailed information about our services and online registration. Join the growing Star Pay family today and become part of a new era of inclusive and empowered financial participation across Afghanistan.