Jaywan is the UAE's domestic card scheme, run by Al Etihad Payments, a subsidiary of the Central Bank of the UAE, with cards issued from July 2026. Online acceptance runs through Network International. In practice, make sure your payment gateway recognizes and routes Jaywan cards, and that your checkout shows the Jaywan logo and handles verification, refunds and reporting correctly.
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What is the Jaywan card and what does it mean for your store?
The Jaywan card is the card of the UAE's domestic payment scheme. It is run by Al Etihad Payments, a subsidiary of the Central Bank of the UAE, and cards have been issued to customers since July 2026. For your online store or app, the key fact is that online Jaywan acceptance runs through Network International.
What does that mean in practice? As cards spread among customers, a day will come when someone tries to pay in your store with a Jaywan card. If your gateway is not ready, the payment may fail or show a vague message, and the customer leaves thinking the problem is their card or your store. Preparing early protects you from silently losing orders.
This guide does not cover Jaywan fees or commercial terms; your payment provider sets those and you should get them directly. It focuses on what to review in your checkout, technical integration and reports. For gateway selection in general, see the best payment gateway in the UAE.
Domestic vs international schemes: where does Jaywan fit?
Most cards people use run on international schemes such as Visa and Mastercard. A domestic scheme exists so that domestic transactions can be processed within the country on national infrastructure. The closest Gulf example is mada in Saudi Arabia, operated by Saudi Payments, which has become a core part of every Saudi checkout.
- Accepted almost everywhere, at home and abroad
- Supported by every gateway and digital wallet
- Processing runs over the global scheme's infrastructure
- The customer's default choice today
- Designed for domestic transactions within the UAE
- Run by an entity owned by the Central Bank
- Online acceptance through Network International
- Rolling out gradually since July 2026
If you also sell in Saudi Arabia, mada is a useful lesson: stores that prepared their checkout for mada early and showed its logo clearly earned customer trust. See how to accept mada and Apple Pay on your website.
What changes on your checkout?
| Area | What to check | Why |
|---|---|---|
| Card recognition | Does the gateway recognize Jaywan card numbers and route them correctly? | Without it, a valid card may be declined |
| Card field | Does the form show the Jaywan logo as the number is typed? | Customers feel reassured seeing their card's logo |
| 3D Secure | Does issuer verification work for Jaywan cards on your page? | Reduces fraud and disputes |
| Digital wallets | Can Jaywan be added to Apple Pay or Google Pay? | Many customers pay by wallet, not card |
| Subscriptions | Can a Jaywan card be tokenized and charged on a schedule? | Essential for memberships and monthly services |
| Refunds | Do full and partial refunds work for Jaywan like other cards? | So you do not need manual handling |
| Reporting | Are transactions broken down by scheme? | To see Jaywan's share of sales and its cost |
If you have a shop alongside your online store, do not forget your POS terminals. A customer who pays with Jaywan in your shop will expect to pay with it in your app too, and vice versa. Keep support consistent across both channels, and check with your provider whether it covers terminals and the online gateway together. Above all, keep every transaction, from shop, site and app, in one database and one report, so you see sales by scheme and channel without manual spreadsheets.
Questions to ask your payment gateway now
- 1Do you accept Jaywan online?
If you use Network International, ask about the activation steps. If not, ask about their plan and timeline.
- 2Does my integration need changes?
Is the current hosted payment page enough, or is a library update or dashboard setting needed?
- 3What are the commercial terms?
Get Jaywan fees and settlement times in writing and compare them with other cards.
- 4Are digital wallets supported?
Ask about Jaywan in Apple Pay and Google Pay on web and in-app.
- 5How are subscriptions and refunds handled?
Ask about tokenization, recurring charges, partial refunds and disputes.
- 6How do I test?
Are there Jaywan test card numbers in the sandbox, or is a small live test needed?
If you are comparing providers anyway, this is one more point for Network International vs Telr vs Checkout.com.
Customer experience: logo, messages and trust
Technology alone is not enough. A customer holding a new card is more cautious, and any confusion at checkout pushes them away. These small details lift completion rates:
- Show the Jaywan logo next to other card logos under the pay button, once acceptance is actually confirmed.
- Write error messages in Arabic and English in plain words: 'The payment did not go through. Try again or use Apple Pay' instead of an obscure error code.
- If Jaywan is not yet supported in your store, say so clearly and suggest another method, rather than letting customers find out after a decline.
- Add a FAQ entry: 'Do you accept Jaywan cards?' with an up-to-date answer.
- Watch decline rates by scheme in the first weeks; a spike signals a setup problem.
Customers do not distinguish between 'my card was declined' and 'this store does not take my card'. Either way, they leave.
Testing and reporting before you announce
- Enable Jaywan acceptance with your provider in the sandbox first.
- Run a full purchase: payment, verification, webhook order confirmation, invoice.
- Test full and partial refunds and check the credit note appears.
- If you have subscriptions, test saving the card and automatic renewal.
- Run a small live payment with a real Jaywan card if possible.
- Add a 'Scheme' column to your sales report to track performance.
- Only after success, add the logo and announce acceptance to customers.
Payment testing is part of payment security in general; see payment security and 3D Secure, and for subscription services see subscription billing for Gulf apps.
Get your store or app ready for Jaywan
Update the checkout in my UAE store to support the Jaywan card through Network International. In the card form, show the scheme logo automatically as the card number is typed, including Jaywan, Visa and Mastercard. Enable 3D Secure for all cards. Rely on the webhook to confirm payment, update the order and issue the tax invoice. Write clear error messages in Arabic and English that suggest Apple Pay or another card after a decline. In the admin dashboard, add a setting to show or hide the Jaywan logo, a 'Scheme' column in the sales report, and a weekly report of decline rates by scheme. Add a FAQ entry: 'Do you accept Jaywan cards?'.
Try it in FanannSee supported payment methods on the payments page.
Key takeaways
- Jaywan is the UAE's domestic card scheme, run by Al Etihad Payments under the Central Bank, with cards issued since July 2026.
- Online acceptance runs through Network International, so ask your current gateway where it stands.
- Review five parts of your store: card recognition, verification, subscriptions, refunds and reporting.
- Show the Jaywan logo and clear Arabic error messages so customers do not think their card was declined.
- Test with a real Jaywan card or a sandbox before you announce acceptance.
Frequently asked questions
What is the Jaywan card in the UAE?
Does Jaywan work for online shopping?
How do I accept the Jaywan card in my online store?
Can Jaywan be used with Apple Pay?
Does Jaywan replace Visa and Mastercard?
Do I need to do anything now if my store is small?
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