Jaywan Card Issuance Platform Software for Banks across the UAE

Who this is for: challenger banks, tier-2 banks, and issuer-processor fintechs (Nymcard-style) launching or scaling Jaywan issuance programmes. Tier-1 banks with existing issuer-processor relationships (Emirates NBD, FAB) typically handle Jaywan through their existing infrastructure extensions; our scope fits firms building fresh Jaywan programmes or specialising issuance for new customer segments.

Six connected capability areas: (1) Co-badged card issuance across Jaywan plus Discover, Mastercard, UnionPay, or Visa. (2) BIN range management with transaction-geography routing. (3) Wallet tokenisation for Samsung Wallet, Apple Pay, and Google Pay. (4) Acquirer acceptance visibility across Network International and Magnati merchants. (5) CBUAE rollout reporting aligned to the mandated timeline. (6) Leadership dashboards for issuance volume, tokenisation rate, and acceptance health.

Around those six, most banks also want: co-badge scheme fee reconciliation, interchange handling per transaction geography, and Aani-linked product bundling where Jaywan and Aani rails are combined for customer propositions.

Generic card-issuer processing (FIS, Fiserv, ACI, FSS Technologies, Nymcard) handles Jaywan as another scheme alongside Visa, Mastercard, and UnionPay. The platform complexity is workable but adapted. Co-badged BIN management, transaction-geography routing, wallet tokenisation coordination, and CBUAE reporting sit as customisations rather than native features.

Custom Jaywan issuance software is designed Jaywan-first with international scheme handling layered alongside. Co-badging is native. Transaction routing is structural. Wallet tokenisation is coordinated. CBUAE rollout reporting is continuous. Time-to-market on Jaywan-specific features is measured in weeks rather than quarters.

A Jaywan-co-badged card operates on Jaywan for domestic UAE transactions and routes international transactions through the co-badge partner. BIN ranges are allocated per product with co-badge indicator embedded. At transaction time, geography (and occasionally acceptance-network availability) determines routing.

Scheme fee reconciliation handles Jaywan fees (AEP) and co-badge partner fees separately. Interchange revenue differs by routing. Chargeback and dispute flows respect the scheme under which the transaction was processed. The platform models all of this natively.

Samsung Wallet Jaywan provisioning is live. Apple Pay and Google Pay integrations are in progress per AEP's published rollout. Each wallet provider has its own provisioning flow, tokenisation standard (EMV payment tokens for Apple Pay and Google Pay; similar for Samsung), and customer enrolment journey.

The platform coordinates rollout across wallets - banks can enable Samsung Wallet ahead of Apple Pay and Google Pay with a planned migration to unified wallet availability as AEP completes the rollout. Customer communications handle each wallet addition consistently.

Network International's 60,000+ UAE merchants and Magnati's 75,000+ terminals form the primary Jaywan acceptance infrastructure. Not every terminal is Jaywan-enabled at every merchant - generations, POS software versions, and merchant configurations vary.

The platform ingests acceptance status data from acquirer feeds where available and surfaces merchant-level Jaywan activation visibility. Customer journeys - app-side merchant directory, transaction history - handle acceptance gaps with graceful fallback to the co-badge scheme where applicable.

CBUAE mandated Jaywan rollout over two years from Q2 2024. Progress reporting covers issuance volume, active Jaywan card share of portfolio, Jaywan-enabled customer count, and customer-level enrolment milestones. The platform captures these metrics continuously and produces CBUAE reports on schedule.

Portfolio-level Jaywan penetration is visible to leadership in real time. Competitive position relative to peer banks is tracked where CBUAE publishes aggregate statistics. Reporting becomes a data pull rather than assembly project.

Here's where custom Jaywan issuance platform typically sits in a wider stack.

Card issuer-processing - we sit alongside ACI Worldwide, FIS, Fiserv, FSS Technologies, Nymcard, and Codebase Technologies for issuer processing and switching.

Acquirer and acceptance - we integrate with Network International, Magnati, Checkout.com, Foloosi, PayBy, MyFatoorah, Telr, and N-Genius for merchant acceptance data.

Wallet and tokenisation - we integrate with Samsung Wallet, Apple Pay, Google Pay, and Careem Pay for consumer wallet touchpoints.

Integration approach is scoped during discovery. We don't ask you to rip and replace anything that works.

Discovery runs four to six weeks. Working with your card, payments, product, marketing, and compliance teams, we map current issuance position, co-badging approach, wallet tokenisation rollout, acquirer acceptance visibility, and CBUAE reporting. Output is a detailed report covering current-state map, platform architecture, integration scope, phased implementation plan, and fixed-price build proposal.

Build for a core Jaywan issuance layer runs twelve to sixteen weeks from discovery completion. Full co-badging, wallet tokenisation, acquirer visibility, and CBUAE reporting rollout phases in over nine to fifteen months depending on programme scope.

Pricing varies by issuance volume, co-badge scheme count, and wallet rollout coordination. A bracket isn't published; discovery produces a fixed-price proposal with no obligation to proceed.