Mobile Wallets

It is a virtual account (on a smartphone) issued by a payment services provider licensed by the Central Bank of Jordan, which helps to carry out financial transactions through mobile phones.

Most E-wallets are programs that run on the user’s personal phone.

Through the E-wallet, you can carry out a lot of electronic cash transactions, including:

1. Deposit funds into an e-wallet account
2. Withdraw money from the e-wallet account on your smartphone
3. Send and transfer money using the e-wallet account on your smartphone, regardless of the type of phone and line
4. Pay bills and pay off loans using the e-wallet account on your smartphone.

“Mobile wallets” are being adopted by many humanitarian organizations to as it allows you to budget and save your assistance. If a humanitarian organization requires you to open a mobile wallet, you will need to do so to continue receiving your cash assistance.

In order to open a “mobile wallet” you need a phone and a SIM card.  A smart phone is not required. Humanitarian organizations will not provide you with a phone. It is your responsibility to have one. If you do not have a phone, please make sure to get one before opening a “mobile wallet”.

The money in your mobile wallet account will not be gone if you lost your phone. Kindly note that your account is protected by your password and account number. No one else will be able to access your account, even if they have your phone.

Please note that you must not share the security password and PIN code with anyone.  In the event you lost your phone you should directly contact your service provider. Humanitarian organizations will not be responsible for any loss or damage of your phone.

You need to immediately contact your service provider. However, please note that you will also be able to reset your password or PIN code through the application.

The Central Bank of Jordan allows each individual to have a maximum of 2 wallet accounts, each linked to different mobile number. However, the assistance for your family will only be channelled through one account.

You have the right to open a wallet with any service provider of your choice. But make sure to approach UNHCR offices as following to make sure that your Iris scan is linked with your wallet:

Mafraq office every Monday.

Irbid office every Tuesday.

Amman office every Wednesday.

You are the owner of the mobile wallet. You do not have to cash out your assistance during a specific period. You decide how and when you want to spend and cash out your money.

Through the mobile wallet, you can carry out a lot of electronic cash transactions, including:

• Deposit funds into a mobile wallet account
• Withdraw money from the mobile wallet account on your smartphone
• Send and transfer money using the mobile wallet account on your smartphone, regardless of the type of phone and line
• Pay bills and pay off loans using the mobile wallet account on your smartphone
• Save any amount in your account without fearing to lose them by the end of the month

NB: you will not be requested to pay any fee to register, open, or run a mobile wallet. If anyone approaches you for such payments, please refuse to pay and inform UNHCR immediately.

No, you don’t need to have a bank account, you can use your phone to track all your financial transactions.

You can open a wallet by going to the service provider directly or you can use the service provider link, to know the link for each service provide you can use the following link:

https://uai.jopacc.com/JoPACC-GW/GW 

Yes. You can contact the service provider directly and ask the service provider to issue an ATM card for your wallet.

You need to download the app again and contact your service provider to activate or re-activate the e-wallet

Each service provider has a different fee. You can use the following link to know the fees for each service provider.

https://uai.jopacc.com/JoPACC-GW/GW

UNHCR is enrolling refugees in this project in order to switch the transfer of any cash assistance to be received through the mobile wallet instead of the ATM card or iris scan. This allows refugees to have more control over the assistance they receive, be able to better manage that money, and be included in the national financial systems in Jordan.

In the long term, failing to open a “mobile wallet” will have consequences on the continuity of your cash assistance. Remember that the transition from ATM to “mobile wallets” is made for the recipient to enjoy access to more and improved services.

Yes. UNHCR and its partners for this project have strict agreements on the data privacy. Any data you provide to the service provider and UNHCR to register for a mobile wallet will remain confidential. You will be asked to provide your consent to the terms and conditions of this service. You have the right to receive a full explanation on this consent.

Yes, you will continue to receive the same amount you are currently entitled for, even in a more convenient manner.

No, you will only be able to use the “mobile wallet” in Jordan.

Yes, if you issued an ATM card from your service provider you will be able to continue withdrawing your assistance using the ATM card. Also, you will be able to cash-out from a wider range of touchpoints, such as any of your services provider shops, or any of your service provider’s agent or any ATM machine.

You can go to any UNHCR offices as following to make sure that your Iris scan is linked with your wallet:

Mafraq office every Monday.

Irbid office every Tuesday.

Amman office every Wednesday.

The cash collector needs to link IRIS only to their wallet they own. It is not allowed to link the cash collector to someone else’s wallet. Although you can contact UNHCR help line and ask to change the cash collector if you need to.

Your “mobile wallet” is linked to your phone number. If you change your mobile number or lose the SIM card, immediately approach UNHCR offices as following to make sure that your Iris scan is linked with your wallet:

Mafraq office every Monday.

Irbid office every Tuesday.

Amman office every Wednesday.

• When you close your wallet or change your wallet number it is recommended to clear available balance. UNHCR cannot help you retrieve any balance in your old wallet.
• Avoid this change (if possible) during the last week of the month to ensure that it does not delay your receipt of the cash assistance.
• Call the Helpline and select the option “change wallet number” to receive advice on procedures to update UNHCR with your wallet number.
• UNHCR can opt to transfer cash assistance (to eligible recipients) through other transfer mechanisms such as iris authentication or prepaid ATM cards.

You can do the IRIS authentication in any Jordan post office close to you. You can check the following link to get to know the nearest post office to your area, Jordan post office locations.

If you encounter any problems, please call the UNHCR helpline 064008000 and choose option 2 for cash assistance from the list of main services and then press 4 for problems during registration for the e-wallet or during the iris scan verification process, or visit one of the UNHCR offices on the following days :

• Mafraq office every Monday.
• Irbid office every Tuesday.
• Amman office every Wednesday.