Zain Cash is the most famous E-Wallet in Iraq (IQD).
Zain Cash allows for a fast and efficient driver Wallet and customer Wallet top-up. It is a great alternative to regular card top-up as one does not have to add any cards to in-app Wallet but rather use the balance of their Zain Cash account.
Zain Cash is added on a Merchant level by a Brand or a Merchant manager and activated for a company in My hub.
To enable Zain Cash payment method on Wallet top-ups a company should:
Have customer Wallet activated
Have a merchant account with Zain Cash
Subscribe drivers to driver plans
To add Zain Cash for driver and customer Wallet top-ups, proceed to the tab “Payment gateways” > select Zain Cash in “For Wallet top-up only” > tap PROCEED > choose Zain Cash from the drop down list of payment gateways, fill out all the keys and tap “SAVE” to finalise.
Once that is done, proceed to My Hub > Company Settings > Payment gateways > Edit > enable Zain Cash in "Wallet top-up only" section > in the drop-down list select Zain Cash account added to your merchant.
All set! Now your customers and drivers are able to top their Wallets up with Zain Cash as follows:
Access Wallet in customer/driver app
Select Zain Cash
Enter the top-up amount > Continue
Сlick “Pay” button
Fill out user details: MSISDN (phone number) + PIN
Fill out user OTP
Check payment result screen upon payment completion
If the payment fails the payer is redirected to the main Wallet page.
If the payment with Zain Cash is successful the transaction will be shown in Wallet transaction history of one’s customer or driver app.
If customer Wallet top-up limit is set, one will not be able to affect a top-up that exceeds the limit.
One can check all customer Wallet top-ups and other transactions in My hub.
One can track all driver Wallet top-ups with mobile money in Drivers transactions report guide and a driver’s profile “Transactions” in My Hub.
In case “Transaction fee” is added in Zain Cash for “For Wallet top-up” it will apply for each customer Wallet top-up with Zain Cash.
Transaction fee does not apply for driver Wallet top-up. To avoid transaction fees on small top-ups one may want to set a higher Minimum payment amount.
3DS is not supported for Wallet top-up with “mobile money” payment methods.
IMPORTANT
One may choose to have separate merchant accounts for 1 company:
One - for regular card payments/direct customer Wallet/driver Wallet top-ups with cards.
Another one - for Wallet top-up with Zain Cash payments.
For that, the company has to add 2 separate payment records in Merchant one by one and activate them in My Hub.
Get more insights on payment options in customer/driver Wallet in the posts:
Consult our Adding a payment gateway video to get all the details on activating a payment gateway!