C3Pay will will soon introduce an upgrade for all your employees holding a C3Pay card:
· A dedicated AED IBAN linked to their C3Pay card
· The ability to receive money from other banks or senders directly into their account
· No minimum balance requirement
· Continued access to outward international transfers
· Bill payments and in-shop/online payments as today
· Fully digital access via the C3Pay mobile app
No. Salary transfers will continue as usual.
· Dedicated AED IBAN
· No minimum balance
· Salary transfers
· Domestic and international transfers
· Bill payments
· Debit card provided
· No cheque book
Legal UAE residents earning AED 5,000 or below per month who do not already hold another active current or savings account in the UAE.
Universal Accounts for C3Pay cards will be ready by December 2026, in line with regulatory requirements. The transition will be managed smoothly.
No disruption is expected. C3Pay will manage the migration centrally.
The transition to the Universal Account structure will be managed centrally by C3Pay.
If a new card is required for technical or regulatory reasons, we will handle the issuance directly with employees and communicate accordingly.
If no reissuance is required, existing cards will continue to function as usual.
No action will be required from the employer.
The payroll submission process remains unchanged.
For new employees, we will continue offering you the ability to bulk create accounts, and issue cards. In case of an employee holding an account with us, we will take care of the process, whereby the same account will be used by you to process salaries.
You will continue to see all of your employees salary history.
You can access Edenred Payroll here: https://payroll.edenred.ae
Yes, you can do both with through the C3Pay online portal (Edenred Payroll).
We will process the salaries within the same day, as long as we have received the funds and the salary file on the Edenred online portal (Edenred Payroll) before 4:30 pm.
The salary processing timings for WPS are 10 am, 12 pm and 1 pm. For Non-WPS, we can process the salaries until 4 pm.
We accept cheque and online transfers, and require a proof of funds transfer for each payment method
We will send you an automated email, as soon as we have processed the salaries.
Our Routing Code is 740810000
7-10 working days
You can track your “card order status here”
1) Visit the “Manage Employees.” section.
2) Select "Add Employees".
3) Download the spreadsheet template for employee addition (Employee file)
4) Select the salary processing channel as “WPS C3” or “Non WPS C3” as applicable.
1) Visit the “Manage Employees.” section.
2) Select the employee you wish to request a replacement card for.
3) Select" Request Replacement Card".
1) Visit the “Manage Employees.” section.
2) Select "Add New Employee".
3) Download the spreadsheet template for employee addition (Employee file)
4) Select the salary processing channel as “WPS Bank Account” or “Non WPS Bank Account” as applicable.
1) Visit the ““Manage Employees.”” section.
2) Click on “Download Employee List” at the bottom left of the screen.
3) The list of active employees will be downloaded along with their account numbers.
1) Visit the “Manage Employees” section.
2) Select the employee you wish to file an ATM dispute for.
3) Select “ATM Dispute”.
4) Fill in the details of the transaction. This is important to retrieve the transaction’s details and initiate the refund process after verification.
Any employee who holds an active C3Pay card can download the app and register
Downloading the app is free of charge. Pricing list per service can be found under “Services/Costs”.
Here is a link you can use to download the app –“https://bit.ly/C3PAY”
Employees can check their available balance, view their transaction history, top-up local and international mobile numbers and send money home.
Money transfer is currently available in the following countries:
India : bank transfers from AED 5
Pakistan : bank transfers and cash pick are free
Nepal : bank transfers and cash pickup from AED 9.50
Bangladesh : bank transfers from AED 14.25 exclusive of VAT
Sri Lanka : bank transfers and cash pickups from AED 15
Philippines : bank transfers from AED 14.25 and cash pickup from AED 19.95
AED 0.50 per transaction (exclusive of VAT)
Free for all transactions
AED 3 per month, excluding VAT (package includes salary alerts)
0.50 per salary alert
Cardholders can now take up to half of the lowest salary they received in the last 3 months as an advance.
3 salaries in the last 3 months
AED 750 – AED 4,999
No Late Fees: The fees will be recovered along with the salary advance amount when the cardholder receives his next salary.
The amount is credited instantly.
1. Received 3 salaries in the last 3 months, 2. The average salary received in the last 3 months must be in the range AED 750 – AED 4,999. 3. Company must be allowed by C3Pay for a salary advance.
Emirates ID must be valid for a minimum of 2 months
It is AED 1 per transfer
The minimum recharge amount is AED 1.
You can transfer only up to AED 1000 a month
There’s no limit on the number of transfers in a month
The transfer is instant.
No, it’s not possible to send money.
Cardholders can add up to 20 beneficiaries
Your employees can activate their cards by downloading the C3Pay Mobile App from the Play Store or App Store and scanning their Emirates ID on the app.
Employees can see their ATM Pin on the C3Pay app under "Profile", then click “ Show ATM Pin” or “See your ATM Pin” on the dashboard.
Employees can reach out to us on WhatsApp +971 588 762 762 or call +971 6005 67772 (this is not a toll free number). We will conduct security checks and send the ATM Pin via SMS to a UAE or international number.
Yes, the C3Pay app is free to download, sign-up, and view the ATM Pin. If they wish to subscribe to additional services or send money abroad or use mobile recharge, there will be a separate cost.
We take the security of your employees seriously and ensure their money is protected. Employees can view their ATM Pins only after confirming their identity and going through security steps. This helps prevent fraud.
It is not possible to change the ATM Pin. If employees suspect someone knows their ATM Pin and wish to change it, they will need to request a new card.
Yes, each card will have a unique ATM Pin. They will need to go to the C3Pay app to view it.
In order to protect your employees, we need to verify their identity before showing them their ATM Pin.
There is no minimum balance requirement nor minimum salary requirement
Employees can check their balance through the C3Pay mobile app, at any ATM, or by calling 600 56 7772
Employees can use their card worldwide at shops, online and ATM, wherever Mastercard is accepted
Yes, employees can use their card for savings
The SMS service is optional and can be activated directly through the C3Pay mobile app or by calling 600 56 7772. We offer two types of SMS alerts:
1) Salary alert – an SMS will be sent only for the salary notification:
2) Transaction alert – an SMS will be sent for each transaction made by the employee:
Employees can withdraw up to AED 5,000 per day
We offer 2 free withdrawals at C3Pay ATMs per month and one free withdrawal at RAKBANK ATMs. For any other ATM, the fee is AED 2
You can find the locations of our ATMs here.
You may go to “Manage Employee”section on Edenred Payroll. Select the employee you wish to assist and then click on “ATM Dispute” button to fill in the details. Click “Next” to proceed.
Only the company has the authorization to credit the account, deposits are not yet enabled
Unfortunately we don’t offer this service. Employees can withdraw their salaries at ATMs, send money home through the C3Pay mobile app or spend money at shops and online
Employees can send a request to support.AE@edenred.com to prepare a cash cheque and can collect it from our office located in Single Business Tower, Business Bay, Dubai. They can also use the C3Pay mobile app to send money home
Unfortunately, this feature is not yet available.
Employees can transfer money instantly through the C3Pay mobile app to 6 countries - India, Pakistan, Nepal, Bangladesh, Sri Lanka and Philippines.
Your employees can immediately block their cards by visiting the C3Pay Mobile App and selecting “Block/Unblock my Card” from the profile section.
The unemployment insurance scheme provides financial support to employees when losing their jobs. Employees pay a fee to subscribe to unemployment insurance. If they lose their job at least 12 months after the start of their insurance subscription, they will receive 60% of their basic salary for up to three months. Benefits are calculated based on their average 6-month basic salary preceding unemployment.
Enforced by the Ministry of Human Resources & Emiratization (MOHRE), it is mandatory for all employees working in the UAE to subscribe to the insurance scheme from January 1st, 2023.
No, both are the same.
If employees do not subscribe to the unemployment insurance scheme, they could face fines. The government advises employers to educate their employees about the mandatory law of unemployment insurance and the penalties they could pay if not subscribed to it.
If they were employed before January 1st, 2023, and:
1. Never subscribed
From July 1st, 2023, employees will pay a fine of AED 400.
2. Subscribed but stopped paying for at least 3 consecutive months
Employees will be disqualified from receiving unemployment benefits. They will have to resubscribe by purchasing a new policy, pay all missed amounts and pay a fine of AED 200.
If you are an Edenred client, you can subscribe to unemployment insurance on behalf of all employees from the Edenred payroll portal.
You will need to get consent from your employees to subscribe them to the insurance scheme. After you get their consent, you can subscribe all your employees in one go to the unemployment insurance from the Edenred payroll portal. This service is only extended for C3Pay cardholders.
Edenred UAE is one of the official partners of Dubai insurance to promote unemployment insurance in the region and the only provider that offers the convenience of subscribing your employees to the insurance scheme in bulk.
Once subscribed, employees will be issued their unemployment insurance policies in 2 weeks approximately. Your employees will be notified on the C3Pay app, and the policy will be sent to them via SMS.
If an employer wishes to, they can pay for the unemployment insurance policy on their employees’ behalf.
If you are an Edenred client, you will be able to pay for your employees’ policy on the Edenred payroll portal. This service is extended only to those employees with a C3Pay card (subject to certain conditions).
Any individual from your company management who operates the Edenred payroll portal can activate bulk subscription for their employees.
You do not need to provide any information since we have all the information of your employees required to issue unemployment insurance. The only action we require from you is to confirm that you have taken consent of all your employees.
It can be tracked on ILOE website here.
No, there will not be any cases of duplication of issuance of unemployment insurance policy for any one Emirates ID number.
If you have subscribed to our bulk subscription option on Edenred Portal, then all new added employees will be automatically subscribed to unemployment insurance.
If you have not subscribed to the bulk subscription option on Edenred Portal. Then all new added employees will not be automatically subscribed to unemployment insurance.
Some of the reasons why you employees did not get subscribed to the unemployment insurance is:
1. Employees do not have balance on their C3Pay card leading to no issuance of policy.
2. Invalid Emirates ID leading to no issuance of policy.
3. The C3Pay cardholder has a basic salary of AED 16,000 or above putting them in the Category B of insurance.
4. The employee is registered as non WPS on our system without a Labor card number or without a WPS Person ID.
If an employee is subscribed to the monthly payment plan but does not have enough balance in their account, the premium the unemployment insurance will simply be debited for all the leftover months together once there is balance on the card.
For example, if the cardholder does not have money on the card in January but then gets paid in February, we will deduct AED 11.50 for two months – January and February – in the month of February.
There are multiple scenarios which are mentioned below:
1. If the cardholder’s Emirates ID is cancelled, then the policy will not be issued.
2. If the cardholder’s Emirates ID is not cancelled and there is money in the C3Pay card, then the policy will be issued.
The company / employer is not liable for enrolling their employees for unemployment insurance, but the employer is liable to educate and inform the employees about the unemployment insurance.
If an employee is fined due to not complying with the law, it will be deducted from their payroll when the file is sent to WPS.
No, from 2024 onwards, you can only do annual ILOE subscriptions. However, any ongoing monthly subscriptions from 2023 will continue as usual, until their expiry. After that when the subscription renews, it will become annual.
Edenred UAE will not be involved in claims, any enquiries regarding claims should be taken care by Dubai insurance. You can call the ILOE contact centre: 600599555.
