Our Clients

Setaragan Mutahed provides dependable cash distribution and disbursement services across Afghanistan, leveraging its nationwide network, experienced teams, and established relationships with local agents and distribution partners. We help organizations deliver payments and financial assistance efficiently, responsibly, and in accordance with their operational requirements.

1. Payroll & Salary Distribution

Simplifying Payments. Supporting Organizations.

We provide reliable payroll and salary distribution services to public and private sector organizations across Afghanistan. Our teams coordinate payments at client-designated premises and locations, ensuring efficient execution and convenient access for employees.

Our experience spans corporate enterprises, telecommunications, financial services, government institutions, industrial organizations, NGOs, and INGOs.

2. Humanitarian Aid & Cash Distribution

Reaching Communities. Delivering Assistance.

With an extensive network of offices, agents, and distribution partners, Setaragan Mutahed supports humanitarian cash assistance and disbursement programs across Afghanistan, including remote and underserved communities.

We facilitate over-the-counter and field-based distributions through physical cash payments or supported digital channels, subject to program requirements and applicable regulations. Our services emphasize beneficiary verification, accurate disbursement, accountability, and operational efficiency.

We support NGOs, INGOs, UN organizations and affiliated entities, financial institutions, and government agencies in implementing large-scale assistance programs.

3. API Integration & Electronic Top-Up

Setaragan Mutahed provides API integration solutions that enable businesses and digital platforms to connect with our electronic top-up services. Our developer-friendly capabilities support efficient transaction processing, system connectivity, and the integration of recharge services into existing applications and platforms.

Through reliable technology and flexible integration, we help partners expand service accessibility, streamline operations, and unlock new digital business opportunities.

Setaragan Mutahed is exclusive distributor of e-Pin project in Afghanistan. Etisalat E-Pin is a secure code that is generated using a specific software developed by Etisalat technology team to print a voucher with an equivalent function of Scratch card to recharge the customers. Setaragan Mutahed has been invested on this project and provides the devices “POS Terminals” facility to enhance and improve the project activity all over the country. Setaragan Mutahed has been started the operation effective 1st October 2018 and aimed to distribute its terminals all over the country.

E-Pin Advantages

• Flexible transaction
• Secured transaction
• Versatile transaction
• Reporting system

E-pin Features

• Request ePin
• Reprint ePin
• Change Language
• Balance check
• Change password
• Last 3 transactions

 E-pin is one of the best payment method or say a ticket among the users for an easy payment option, the code is generated by the admin and it is provided for the users as per request, Each E-pin is an exclusive code which is arbitrarily produced by MML Software and it is difficult to guess an E-pin. The denomination is limited from 5 to 10,000 AFN but it has the option to enter any amount between 5 to 10,000 AFN as per the customer demand. Etisalat Afghanistan has been allocated a dedicated server for Pin request and subscribe different code “610” to recharge the customers. Setaragan Mutahed POS terminals contain all the features of Android and functions similar to a smart phone. Every Etisalat agent possess a terminal will be able to have the benefit of following services:

• E-pin voucher & Recharge
• DRM features
• SIM Card Impose
• TLC Features
• mHawala services

Setaragan Mutahed is planning to add more features and facilities on the terminals in near future to fulfil the customers demand and expectations.

Connecting Markets. Facilitating Trade. Driving Growth.

Setaragan Mutahed is an established Afghan business with a growing presence in international trade, cross-border commerce, and logistics coordination. Since our establishment in 2006, we have developed valuable commercial relationships and regional market knowledge that enable us to connect businesses, facilitate the movement of goods, and create opportunities across domestic and international markets.

Through our import and export activities, we connect Afghanistan with key regional and international trading partners, including Turkey, Iran, India, Pakistan, Tajikistan, and Uzbekistan. Our regional reach enables us to support cross-border transactions, strengthen supplier and buyer relationships, and facilitate commercial opportunities across interconnected markets.

Our approach is built on market understanding, reliable business partnerships, commercial integrity, and a commitment to efficient execution. By combining trading expertise with logistics coordination and distribution capabilities, we aim to simplify trade processes, strengthen supply chain connectivity, and deliver sustainable value to our clients and partners.

Logistics & Supply Chain Solutions

Logistics is an integral part of Setaragan Mutahed’s integrated business offering. Through our commercial network and logistics partners, we support the movement and coordination of goods across Afghanistan and international trade routes.

Our capabilities focus on cross-border logistics coordination, distribution support, shipment planning, supply chain coordination, and collaboration with relevant transport and service providers. We emphasize operational efficiency, timely communication, shipment visibility where available, and dependable service throughout the logistics process.

With an understanding of Afghanistan’s strategic position as a regional trade corridor, we work to connect suppliers, buyers, and markets while helping businesses navigate the practical challenges of cross-border commerce.

Through professional coordination, trusted relationships, and a commitment to continuous improvement, we aim to help our clients strengthen supply chain performance and move their businesses forward.

A Pioneer in Modern Telecom Distribution

Launched in 2020, the Setaragan Kiosks initiative marked a significant milestone in our commitment to innovation and distribution excellence. In partnership with Etisalat Afghanistan, we established a dedicated kiosk network, deploying more than 1000 kiosks across the country to improve customer access to telecommunications products and services.

Building on this success, Setaragan Mutahed further expanded the initiative in mid-2020 through an agreement with Salam Telecom, under which we served as the exclusive contractor for distributing SIM cards and scratch cards through this dedicated channel.

These initiatives demonstrated our ability to develop new distribution models, execute nationwide commercial projects, and establish effective partnerships with leading telecommunications operators.

Creating Opportunities. Connecting Communities.

Beyond strengthening telecom distribution, Setaragan Kiosks contributed to local economic activity by creating employment and entrepreneurial opportunities, particularly for young people. The initiative brought products closer to customers, supported local retail activity, and helped extend the reach of telecommunications services into diverse communities.

Our kiosk model reflects our broader commercial philosophy: identify market opportunities, develop practical solutions, build strong partnerships, and deliver measurable value.

Setting New Standards in Distribution

As an early innovator in dedicated kiosk-based telecom distribution in Afghanistan, Setaragan Mutahed continues to draw on its market experience, operational capabilities, and partnership-driven approach to strengthen distribution channels and explore new opportunities.

Setaragan Mutahed has played a significant role in the development of Afghanistan’s telecommunications distribution landscape, building its foundation through early collaboration with mobile network operators and the nationwide distribution of telecom products.

A Legacy of Distribution Excellence

Our scratch card distribution operations represent an important chapter in Setaragan Mutahed’s growth and our longstanding contribution to Afghanistan’s telecommunications sector. They demonstrate the strength of our nationwide reach, the resilience of our operational model, and our commitment to ensuring that customers can access essential telecom products wherever they live.

Building on this experience, we continue to develop our distribution capabilities, strengthen strategic partnerships, and pursue innovative ways to connect businesses, markets, and communities.

Cash Distribution Services

Setaragan Mutahed provides dependable cash distribution and disbursement services across Afghanistan, leveraging its nationwide network, experienced teams, and established relationships with local agents and distribution partners. We help organizations deliver payments and financial assistance efficiently, responsibly, and in accordance with their operational requirements.

1. Payroll & Salary Distribution

Simplifying Payments. Supporting Organizations.

We provide reliable payroll and salary distribution services to public and private sector organizations across Afghanistan. Our teams coordinate payments at client-designated premises and locations, ensuring efficient execution and convenient access for employees.

Our experience spans corporate enterprises, telecommunications, financial services, government institutions, industrial organizations, NGOs, and INGOs.

2. Humanitarian Aid & Cash Distribution

Reaching Communities. Delivering Assistance.

With an extensive network of offices, agents, and distribution partners, Setaragan Mutahed supports humanitarian cash assistance and disbursement programs across Afghanistan, including remote and underserved communities.

We facilitate over-the-counter and field-based distributions through physical cash payments or supported digital channels, subject to program requirements and applicable regulations. Our services emphasize beneficiary verification, accurate disbursement, accountability, and operational efficiency.

We support NGOs, INGOs, UN organizations and affiliated entities, financial institutions, and government agencies in implementing large-scale assistance programs.

3. API Integration & Electronic Top-Up

Setaragan Mutahed provides API integration solutions that enable businesses and digital platforms to connect with our electronic top-up services. Our developer-friendly capabilities support efficient transaction processing, system connectivity, and the integration of recharge services into existing applications and platforms.

Through reliable technology and flexible integration, we help partners expand service accessibility, streamline operations, and unlock new digital business opportunities.