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Several smart payment solutions are available now for Dubai Economy & Trakhees transactions, click here for details | Call 600502006 to avail our services. The shareholders of Aafaq Islamic Finance are kindly requested to refer to the Dubai Financial Market to receive the cash dividend for the year 2019

E-DIRHAM

e-Dirham

aafaq offers e-Dirham services to provide the government and public with a secure and convenient method of payment.

e-Dirham is a payment tool devised by the UAE government in order to facilitate collection of revenues, and providing the government and public with a secure and convenient payment tool. 

The e-Dirham now has become widely available, and has many payment channels. The Ministry of Finance has worked and is still working on expanding payment channels.

This e-Dirham G2 is designed to provide you with the following services:

Blue Al Haslah Card

  • Visa Cobranded Card.
  • Accepted at worldwide merchants and at e-Dirham G2 merchants.
  • Safe online government and non-government service purchases with cheaper transaction fees at e-Dirham G2 subscribed entities' websites.
  • Safe over the counter government and non-government service purchases through point of sale terminals EFTPOS at e-Dirham G2 subscribed entities.
  • Can be used for purchases at worldwide merchants where VISA brand is accepted.

Red Al Haslah Card

  • Private Label Card (Not Cobranded).
  • Accepted only at e-Dirham G2 merchants.
  • Safe online government and non-government service purchases with cheaper transaction fees at e-Dirham G2 subscribed entities' websites.
  • Safe over the counter government and non-government service purchases through point of sale terminals EFTPOS at e-Dirham G2 subscribed entities.

 

For further details:

Please visit aafaq windows or  

MAASHI CARD & WPS SERVICES

Maashi Card & WPS Services

aafaq WPS

aafaq WPS is a payroll service solution, introduced to cater companies of any size, while ensuring strict compliance with the directives issued by the MOHRE and CBUAE. aafaq WPS facilitates salaries to be paid electronically over a secure system through banks or aafaq Maashi card.

Benefits of aafaq WPS:

Competitive monthly fees.

No minimum staff requirement.

No company bank account requirement.Efficient & fast payment of salaries through a nominated method (bank transfer, Maashi card or cheque payment).

Additional benefits for having aafaq Maashi card:

Fast, accurate processing of your payroll.

Minimum processing time and affordable processing fee.

Salary withdrawal all over the world (local & worldwide ATM usage)

No minimum salary requirement.

No minimum balance requirement.

Online shopping.

Friendly & supportive customer service, available 24/7 and in 6 languages (English, Arabic, Hindi, Malayalam, Bengali, Telugu).

 
To access our new payment options for our WPS customers, please   

SCHEDULE OF CHARGES

Services*

DETAILS FEE (AED)
Guarantee  
Guarantee Issuance Fee AED 28 (VAT included)
Guarantee –Refund Fee (Full) AED 150
Guarantee - Refund Elite Service Fee  Minimum of AED 250 or 1% which ever is greater
Re - Issue of Cheque AED 200
Guarantee Annual Renewal Charge 2% or minimum 350 + Admin charge 25
Dubai Economy Processing fee AED 20
Noqodi  
Wallet Top-Up cash AED 50
Wallet Top-Up Fees— Smart channels AED 20
E-VOUCHER  
Processing Fee AED 20
E-DIRHAM  
Red Card Issuance Price AED 6 (VAT Included)
Blue Card Issuance Price AED 12 (VAT Included)
Recharge Fee (all Cards) AED 4 (VAT Included)
SADAD  
Wallet Issuance Fee Free
WPS  
File opening Fee AED 150
Processing fee (per employee) (AED 5 – AED 15) (per employee)
Maashi Card Issuance AED 10


Note*:

#A fixed monthly fee will be charged every month irrespective of card usage or not.

 1In accordance with the applicable terms of the relevant documentation.
2 Monthly Profit Rate means the rate at which the Murabaha Finance will be provided to the Customer for the Covered Card.
Fees and charges are subject to change without prior notification.
Fees & T&C's as applicable are excluding VAT charges.

*T&C apply.

SALARY PAYMENT PROCESS

Salary Payment Process

Please follow the below steps for processing your WPS without visiting our business outlets.
 
  1. Send your company establishment number and company name to wps@aafaq.ae along with the Salary details.
  2. We will contact you with the exact charges (Total salary + Total Charges + Vat  5% on the total charges) along with our bank details.
  3. Transfer or deposit the total amount to our account.
  4. Send the below documents to wps@aafaq.ae:
    1. Transfer or deposit receipt;
    2. Salary sheet; and
    3. MOL list of employees.
Note:  The above option applies only for customers whose employees have bank accounts or Aafaq’s Maashi Card (Salary Card)

DETAILS

Details

aafaq WPS

aafaq WPS is a payroll service solution, introduced to cater companies of any size, while ensuring strict compliance with the directives issued by the MOHRE and CBUAE. aafaq WPS facilitates salaries to be paid electronically over a secure system through banks or aafaq Maashi card.

Benefits of aafaq WPS:

Competitive monthly fees.

No minimum staff requirement.

No company bank account requirement.Efficient & fast payment of salaries through a nominated method (bank transfer, Maashi card or cheque payment).

Additional benefits for having aafaq Maashi card:

Fast, accurate processing of your payroll.

Minimum processing time and affordable processing fee.

Salary withdrawal all over the world (local & worldwide ATM usage)

No minimum salary requirement.

No minimum balance requirement.

Online shopping.

Friendly & supportive customer service, available 24/7 and in 6 languages (English, Arabic, Hindi, Malayalam, Bengali, Telugu).

 
To access our new payment options for our WPS customers, please   

ONLINE PAYMENT TRANSACTIONS

Online Payment Transactions

Now pay Dubai Economic transactions through Online Account.

  1. Transfer or deposit the total amount (Total Payment Voucher amount + Commission + VAT  5% on the commission) to our account as per below details:
    1. Account name:          AAFAQ ISLAMIC FINANCE
    2. Bank name:               DUBAI ISLAMIC BANK
    3. Account number:       00-1520042638109
    4. IBAN:                         AE67 0240 0015 2004 2638 109
    5. Swift Code:                DUIBAEADXXX
  2. Send the following documents to ded@aafaq.ae
    1. Transfer or deposit receipt.
    2. Payment Voucher.

For more information, Call us 600 502006

DETAILS

Details

 

 

Now, aafaq offers DE Payment Service through our Windows at Dubai Tas'heel CentresDE Al Twar, DE Dubai Mall, DE Al Barsha Mall and DE Al Manara Center to all types of companies who are required to furnish a Trade License to secure company permit to UAE.

 

AUTHENTIC FEES COLLECTION CENTERS:

BUSINESS OUTLETS WORKING HOURS
DE Al Barsha Mall Branch
Sun - Thu: 8:00 AM - 8:00 PM
DE Al Manara Center
Sun - Thu: 8:00 AM - 2:30 PM
DE Al Twar Centre Branch
Sun - Thu: 8:00 AM - 8:00 PM
DE Dubai Mall Branch
Sun - Thu: 8:00 AM - 2:30 PM
Al Reaya businessmen services
Sat -  Thu: 8:00 AM - 8:00 PM
ITQAN Business Center
Sat -  Thu: 8:00 AM - 8:00 PM
OnTime Business Center
Sat -  Thu: 8:00 AM - 8:00 PM
Muamalat Business Center
Sat -  Thu: 8:00 AM - 8:00 PM
Twasol Business Center
Sat -  Thu: 8:00 AM - 8:00 PM

 

For further details: Please visit aafaq DE windows or

 

 

For Online Payment Transaction

 

DUBAI ECONOMY & TRAKHEES PAYMENTS COLLECTIONS

Dubai Economy & Trakhees Payments Collections

   
 
Dubai Economy’s  & Trakhees Payments Collections through aafaq Islamic Finance Channels

aafaq Islamic Finance has been providing collection services for Dubai Economy payments since 2012 and for Trakhees since 2019, through its outlets located in Several Service Centers (Tas-heel, Amer and others).
 
aafaq is providing alternative solutions for customers to make their payments for Dubai Economy and Trakhees, which are:
 
  1. Payments through Bank transfers.
  2. Payments through ATMs cash deposit.
  3. Payments through Credit Cards.
  4. Payment through Business Outlets.
The company has allocated several communication channels to facilitate the documents correspondence and to apply for the transaction and get to know the status. In addition, it is available for customers to send their inquires prior to making the payments, these channels are:
  1. Mobile phone number, 0501978214 with WhatsApp.
  2. Special email for this process, ded@aafaq.ae.
  3. Aafaq website
 
Payment options are as the following:
 
  1. It is preferable that the customers communicate with aafaq’s support team via e-mail (ded@aafaq.ae) or via WhatsApp (0501978214) and send the payment voucher before making the bank transfer to confirm the amount to be transferred.
  2. Make a bank transfer with the total amount mentioned in the payment voucher in addition to AED 21 to the following company account:
    • Account Name: AAFAQ ISLAMIC FINANCE
      Bank Name: DUBAI ISLAMIC BANK
      Account Number: 001520042638109
      IBAN Number: AE67 0240 0015 2004 2638 109
      Bank Code Number: DUIBAEADXXX
  3. Send a copy of the electronic transfer receipt with the payment voucher copy to one of the communication channels mentioned above (email to ded@aafaq.ae, WhatsApp 0501978214 or Aafaq website). After payment confirmation, aafaq’s support team will send you the license copy. Also, it is important to note the following:
    • A bank transfer made before 11:30 a.m. could be processed on the same business day.
    • A bank transfer made after 11:30 a.m. will be processed on the next following business day.

 

  1. It is preferable that the customers communicate with aafaq’s support team via e-mail (ded@aafaq.ae) or via WhatsApp (0501978214) and send the payment voucher before making the cash deposit at the ATM to verify the amount to be deposited.
  2. Deposit the required amount (Payment voucher amount + AED 21) at Dubai Islamic Bank ATMs, to the following company account:
    • Account Name: AAFAQ ISLAMIC FINANCE
      Bank Name: DUBAI ISLAMIC BANK
      Account Number: 001520042638109
      • (You can check the availability of Dubai Islamic Bank ATMs for cash deposit by visiting the following link and choosing the Cash / Cheque Deposits box: https://www.dib.ae/ar/global/branch-atm-locator)
      • There is no problem in depositing the total deposit amount process in several steps continuously, as some ATMs only accept a specified number of banknotes per deposit (usually between 50 to 80).
      • If the exact amount cannot be deposited (according to the currency denominations accepted in ATMs, usually the lowest one is the AED10 banknote) as specified above, the closest amount must be deposited and it should be in excess of the required amount. Any extra amount will be donated to charitable entities that are accredited within the UAE. For example, if the amount to be paid is AED 15,000, processing fees with tax is AED 21, so the total amount is AED 15,021 but ATMs accept AED 10 as the smallest denomination. Therefore, an amount of AED 15,030 should be deposited, and the extra AED 9 will be donated.
  3. Then send a copy of the deposit receipt with the payment voucher to one of the communication channels mentioned above (email to ded@aafaq.ae, WhatsApp 0501978214 or Aafaq website). aafaq’s support team will send you the license copy. 

 

  1. Click on the following link:
  2. Fill out the form that shows with the correct and complete information and follow the procedure for making payment with the credit card online.
Important Note: Make sure to print the license in the final step before closing the window or save the license copy on your PC/mobile).
(If you do not have a credit card, you can apply for one issued by aafaq Islamic Finance. For more details, ).

 

  • Customers can pay at any of aafaq’s several Business Outlets (available in Tas-heel, Amer and others).

NOQODI WALLET TOP-UP

Noqodi Wallet Top-up

Noqodi Wallet Top-up Through aafaq several Channels

aafaq Islamic Finance has been providing Noqodi wallet top-up services since 2016, through its outlets located in several service centers (Tas-heel, Amer and others).
 
aafaq is providing alternative solutions for customers to top-up Noqodi wallets, which are:
  1. Payments through Bank transfers.
  2. Payments through ATMs cash deposit.
  3. Payment through Business Outlets.
The company has allocated several communication channels to facilitate documents correspondence, service application and status information. In addition, to receive customers inquires prior to making payments. These channels are:
  1. Mobile phone number, 0501978214 with WhatsApp. 
  2. Special email for this process, noqodi@aafaq.ae.
  3. Aafaq website.
 

 

Payment options are as the following:


  1. Make a bank transfer with the amount needed to top-up the wallet, in addition to AED 31.5, to the following company account:
    • Account Name: AAFAQ ISLAMIC FINANCE
      Bank Name: DUBAI ISLAMIC BANK
      Account Number: 001520042638105
      IBAN Number: AE780240001520042638105
      Bank code Number: DUIBAEADXXX
  2. Send a copy of the electronic transfer receipt with the Noqodi wallet number and account name to one of the communication channels mentioned above (email to noqodi@aafaq.ae, WhatsApp 0501978214 or aafaq’s website). This would allow aafaq’s support team to receive the receipt. Also, it is important to note the following:
    • A bank transfer made before 11:30 a.m. could be processed on the same business day.
    • A bank transfer made after 11:30 a.m. will be processed on the next following business day.

 

2) Payment Through ATM Cash Deposit:

  1. Deposit the required amount needed to top-up the wallet + AED 31.5 at Dubai Islamic Bank ATMs, to the following company account:
    • Account Name: AAFAQ ISLAMIC FINANCE
      Bank Name: DUBAI ISLAMIC BANK
      Account Number: 001520042638105
      • (You can check the availability of Dubai Islamic Bank ATMs for cash deposit by visiting the following link and choosing the Cash / Cheque Deposits box: https://www.dib.ae/ar/global/branch-atm-locator)
      • There is no problem in depositing the amount in several steps continuously, as some ATMs only accept a specified number of banknotes per deposit (usually between 50 and 80).
      • The amount to top-up the wallet will be the amount to be deposited in the ATM machine minus AED 31.5 of service fees. If the exact amount cannot be deposited (according to the currency denominations accepted in ATMs, usually the lowest one is the AED10 banknote) as specified above, the closest amount must be deposited and it should be in excess of the required amount. Any extra amount will be added to the customer’s noqodi wallet. For example, if the total amount to be deposited is AED 20,000, the processing fees with VAT is AED 31.5, so the total amount is AED 20,031.5 but ATMs accept AED 10 as the smallest denomination. Therefore, an amount of AED 20,040 should be deposited, and the extra AED 8.5 will be added to the customer’s noqodi wallet).
  2. Send a copy of the deposit receipt with the Noqodi wallet number to one of the communication channels mentioned above (email to noqodi@aafaq.ae, WhatsApp 0501978214 or aafaq’s website). This would allow aafaq’s support team to receive the receipt. 

 

3) Payment through Business Outlets:

  • Customers can pay at any of aafaq’s several Business Outlets (available in Tas-heel, Amer and others).

LABOUR GUARANTEE ISSUANCE SERVICE PAYMENTS

Labour Guarantee Issuance Service Payments

Labour Guarantee Issuance service payments through aafaq several Channels
 
aafaq is one of the key financial institutions in the UAE to offer the services of issuing Labour Guarantees, as decreed by the UAE Ministry of Labour & Social Affairs for companies’ hiring requirements. aafaq offers this service to all types of companies who are required to furnish a Labour Guarantee secure work permit for any employee.
 
aafaq is providing alternative solutions for customers to make their payments for Labour Guarantee issuance through:
  1. Payment through Bank transfers.
  2. Payment by cash deposit via ATM.
  3. Payment through Business Outlets.
The company has allocated several communication channels to facilitate the service and to know the status. In addition, it is available to receive customers inquires prior to making the payments. These channels are:
  1. Mobile phone number, 0501978214 with WhatsApp.
  2. Special email for this process, lg@aafaq.ae.
 
Payment options are as the following:
 
 
  1. It is mandatory that the customers communicate with aafaq’s support team via e-mail (lg@aafaq.ae) or via WhatsApp (0501978214) and send their company MOL number and  company name and also, the number of LG deposits before making the bank transfer.
  2. Make a bank transfer of the total amount + AED 28 for each LG needed to the following company account:
    • Account Name:  AAFAQ ISLAMIC FINANCE PSC
      Bank Name: DUBAI ISLAMIC BANK
      Account Number: 001520042638103
      IBAN Number:  AE35 0240 0015 2004 2638 103
      Bank Code Number: DUIBAEADXXX
  3. Send a copy of the electronic transfer receipt and company MOL number and company name to one of the communication channels mentioned above (email to lg@aafaq.ae, WhatsApp 0501978214). After payment confirmation, aafaq’s support team will do the needful to complete your transaction. Also, it is important to note the following:
    • A bank transfer made before 11:30 a.m. could be processed on the same business day.
    • A bank transfer made after 11:30 a.m. will be processed on the next following business day.
 
 
  1. It is mandatory that the customers communicate with aafaq’s support team via e-mail (lg@aafaq.ae) or via WhatsApp (0501978214) and send their company MOL number and company name and also, the number of LG deposits before making the cash deposit at the ATM.
  2. Deposit the total amount + AED 28 for each LG needed at Dubai Islamic Bank ATMs, to the following company account:
    • Account Name: AAFAQ ISLAMIC FINANCE PSC
      Bank Name: DUBAI ISLAMIC BANK
      Account Number: 001520042638103
      • (You can check the availability of Dubai Islamic Bank ATMs for cash deposit by visiting the following link and choosing the Cash / Cheque Deposits box: https://www.dib.ae/global/branch-atm-locator
      • There is no problem in depositing the total deposit amount in several steps continuously, as some ATMs only accept a specific number of banknotes per deposit.
      • If the exact amount cannot be deposited (according to the currency denominations accepted in ATMs, usually the lowest one is the AED10 banknote(, the closest amount must be deposited and it should be in excess of the required amount. Any extra amount will be donated to charitable entities that are accredited within the UAE.
  3. Then send a copy of the deposit receipt and company MOL number and company name to one of the communication channels mentioned above (email to lg@aafaq.ae, WhatsApp 0501978214). After payment confirmation, aafaq’s support team will do the needful to complete your transaction.
 
  • Customers can pay at any of aafaq’s several Business Outlets (available in Tas-heel, Amer and others).