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Visa Acceptance Platform Adds Jaywan Cards for UAE Online Payments

Arry Hashemi
Arry Hashemi
Nov. 09, 2026
VisaCaption Visa’s Acceptance Platform now supports eligible Jaywan cards for online payments in the UAE, giving participating businesses another way to accept the country’s domestic payment scheme. (Shutterstock)

Dubai, United Arab Emirates — Visa has opened its Visa Acceptance Platform to Jaywan, the UAE's domestic card scheme, so merchants, acquirers and payment service providers on the platform can now take eligible Jaywan debit, credit and prepaid cards for online purchases in the country.

Participating businesses can now offer Jaywan alongside their other payment options at online checkout. Visa is listed on the New York Stock Exchange and facilitates transactions in more than 200 countries and territories.

Al Etihad Payments, a subsidiary of the Central Bank of the UAE (CBUAE), developed Jaywan and operates it. The scheme offers debit, prepaid and credit products that work at point-of-sale terminals, at ATMs and in e-commerce, and it pairs everyday payments with a growing set of cardholder offers in travel, dining, retail and lifestyle. Partnerships with global payment networks let the cards be used outside the UAE as well.

Visa's platform puts three jobs in one place: accepting a payment, authenticating it and tokenizing the card details behind it. The company says businesses use it to take and manage digital payments, from cards kept on file to repeat billing and digital wallets. With Jaywan added, those businesses can run domestic card payments through the same tools.

The integration also brings Jaywan Card-on-File network tokenization through Visa's Token Management Service (TMS). Network tokenization replaces the card number with a substitute value, so a merchant can keep a customer's card on file without holding the real number. Visa said this would let businesses handle subscriptions, recurring payments and other online uses for Jaywan cards securely.

UAEJaywan is the UAE’s domestic card scheme, developed and operated by Al Etihad Payments, a subsidiary of the country’s central bank. (Unsplash)

Andrea Cianchetti, Chief Products Officer, Al Etihad Payments, said: “We are very excited to announce that Jaywan is now accepted through the Visa Acceptance Platform, which materially increases online acceptance for Jaywan cards in the UAE. Jaywan was established to give the UAE a national card scheme with the scale, acceptance, and capabilities the country’s payment needs require. Enabling Jaywan on the Visa Acceptance Platform embeds the UAE’s domestic card scheme further into the infrastructure supporting digital commerce. It expands the ability of merchants, acquirers, and payment service providers to accept Jaywan online and adds capabilities such as card-on-file and recurring payments. That takes us closer to making Jaywan a natural part of how consumers pay and businesses accept payments across the UAE.”

Fadi Moukaddem, Visa’s Regional General Manager for UAE, Kuwait and Qatar, added: “We are proud to continue to build on our collaboration with Al Etihad Payments by making Jaywan available on the Visa Acceptance Platform. By enabling participating merchants, acquirers and payment service providers to support Jaywan through the platform, we are helping expand payment choice while delivering the secure, reliable and seamless experiences consumers and businesses expect."

The two organizations first teamed up on Jaywan in March 2025, when Al Etihad Payments and Visa agreed to introduce co-badged “Jaywan-Visa” debit and prepaid cards carrying both logos. Under that agreement, domestic transactions were to run through UAESWITCH, the national card switch, and cross-border payments outside the GCC through VisaNet, Visa's global network.

Cards carrying both brands, Visa said at the time, could be used abroad and online wherever its network reaches, which it put at more than 150 million merchant partners in 200 countries and territories. Dr. Saeeda Jaffar, Visa's Senior Vice President and Group Country Manager for the GCC, said then that around 30% of payments were still made with cash.

The latest step works on the other side of the checkout. The 2025 deal concerned the cards consumers carry, while the platform update decides whether an online business connected to Visa can accept a Jaywan card at all.

Nationwide issuance only got under way in July 2026, when the UAE began nationwide issuance of Jaywan cards in phases through banks, licensed financial institutions and exchange houses. Network International said at that point that it had enabled Jaywan payments across its e-commerce merchant network.

Mastercard's merchant tools followed in September, when noon payments switched on online Jaywan acceptance through Mastercard Gateway, offered via Mastercard Merchant Cloud. There, Mastercard supplied the gateway connection rather than replacing Jaywan as the scheme used for the payment.

Al Etihad Payments has also been pushing the scheme beyond the UAE. In August 2026, a memorandum of understanding with UnionPay International set out a route for mono-badged Jaywan cards to be accepted on UnionPay's network. Once in place, that would open more than 100 million points of sale and 1.8 million ATMs in over 183 countries and regions to cardholders, with a pilot in mainland China coming first.

With Visa's and Mastercard's merchant platforms now both carrying Jaywan, online sellers in the UAE may find it simpler to add the domestic scheme without building a separate link to it. Support for stored cards and repeat billing could matter most to subscription services, where a card that can't be kept on file is hard to use.