How to Use a Jaywan Card for Online Payments in the UAE

Jaywan, the UAE’s domestic card payment scheme, supports online payments at participating UAE merchants. Online acceptance has expanded as banks, payment gateways and merchants integrate the Jaywan network.

How to Pay Online With a Jaywan Card

1.    Shop on a UAE website or app that accepts Jaywan.
2.    At checkout, choose the card payment option.
3.    Enter your Jaywan card number.
4.    Enter the card expiry date and CVV/security code.
5.    Complete the authentication requested by your issuing bank, such as an OTP or approval through the bank’s mobile app.
6.    After successful authentication, the payment will be processed and the merchant should confirm the order.

Where Can You Use Jaywan Online?

Jaywan e-commerce acceptance is available through participating UAE merchants and payment networks. Network International announced the rollout of Jaywan acceptance across its UAE e-commerce merchant network, significantly expanding the number of websites where customers can use eligible Jaywan cards.

Check Your Bank’s Card Features

Online functionality can depend on the bank that issued your card and the type of Jaywan card you hold. For example, First Abu Dhabi Bank states that its Jaywan Debit Card supports online payments within the UAE and uses security authentication for e-commerce transactions.

Can You Use Jaywan on International Websites?

International acceptance depends on the specific card. A domestic-only Jaywan card may be limited to transactions within the UAE. Some cards may be co-badged with an international payment network, which can provide broader acceptance according to the issuing bank’s terms.

What to Do if Your Online Payment Is Declined

•    Check that the website or payment gateway accepts Jaywan.
•    Make sure online or e-commerce transactions are enabled for your card.
•    Confirm that your account has sufficient available funds.
•    Check that the card number, expiry date and security code were entered correctly.
•    Complete any OTP or mobile-app authentication promptly.
•    If the payment still fails, contact the bank that issued your Jaywan card.

Online Payment Safety Tips

•    Use trusted websites and apps.
•    Never share your OTP, PIN or mobile-banking password with another person.
•    Check the merchant name and transaction amount before approving a payment.
•    Enable banking notifications so you can quickly identify unexpected transactions.

The Bottom Line

Using a Jaywan card online is similar to using other debit or payment cards: enter your card details at a participating UAE merchant and complete your bank’s security authentication. Because acceptance and international functionality can vary, check your issuing bank’s card settings and terms when in doubt.

Sources: Al Etihad Payments (Jaywan); Network International; First Abu Dhabi Bank; Central Bank of the UAE.