Tosan Asan Pardaz (Apsan)

Apsan Company was established in 2019 through a partnership between Asan Pardakht (AP) and Tosan Company. The company operates in the field of providing microcredit to consumers. Apsan Credit offers an innovative method for payments and purchases, allowing users to access a predetermined credit limit for spending within a consumption period of one month.
At the end of this period, a billing statement is generated and presented to the credit holder on the first day of the following month. The user must then repay the balance according to the specified terms. Additionally, early repayment is possible both before the billing statement is issued and immediately after a purchase.
The Apsan Credit system has been seamlessly integrated into the highly popular Asan Pardakht (AP) application, enabling electronic payments across all merchants, both online and physical.
Apsan has created a vast network of merchants who prioritize increased sales with lower margins over fewer sales with higher margins. This network allows Apsan credit holders to enjoy exclusive discounts when shopping at participating stores. Essentially, Apsan facilitates a win-win scenario where both the credit holders and merchants benefit. Merchants, by joining Apsan’s extensive network of partner retailers, gain from increased customer traffic and enhanced revenue opportunities.