WalletCard - Mastercard

It is a Mastercard linked with a ZainCash wallet and used for online purchases, for payment via Mastercard payment machines (POS), and withdrawals from ATMs.

• To own and activate a Mastercard, you must have a permanent wallet in ZainCash.
• You can top up the Mastercard balance through the ZainCash wallet App.
• You can control the card and know the balance and date of transactions through the "Mastercard" option in the ZainCash application.
• The card contains two accounts at the same time (Iraqi dinars and US dollars).
• A subscriber is entitled to own only one card.
• It is not possible to transfer from the dinar account to the dollar account in the card and vice versa.
• The card is valid for two years from the date of issuance.
• This card works in all countries of the world depending on the currency, it works in the Iraqi dinar currency inside Iraq only (the Iraqi dinar account) and it works in the dollar currency in the rest of the world (the US dollar account)

You can cash-out money in dollars only through an ATM that supports the dollar.
 

The validity period of the Mastercard is written on the card itself and cannot be extended.

The card is automatically cancelled along with the wallet and cannot be reactivated again.

The currency adopted in the Mastercard is the Iraqi dinar and the US dollar in two separate accounts for each of them, and it's not possible to transfer between them from dinar to dollar or vice versa.

When filling in the dollar account in the Mastercard, the daily exchange rate of the dollar will be adopted.

To use the card at POS devices:
1- Insert the card into the POS device.
2- Enter the card PIN (received via SMS).
• You’ll receive an SMS confirmation after the payment.

You must ensure that you enter the correct secret code for the MasterCard card and not the wallet. It is preferable to choose to resend the secret code via the ZainCash application by going to “MasterCard” and then clicking on “Re-Send Walletcard PIN” You will receive a text message on your phone line containing the secret code for the card.

To use the card at ATMs:

1- Insert the card into the ATM.
2- Enter the card's PIN (received via SMS).
• If forgotten, you can resend it via the ZainCash app by choosing “MasterCard” → “Resend PIN”.
3- Enter the withdrawal amount.
• You’ll receive an SMS confirmation after withdrawal.

• Open the website you want to buy from.
• Choose the Mastercard payment process.
• Enter the card number consisting of (16) digits in the required field.
• Enter the expiration date.
• Enter the CVC code on the back of the card
• Enter the name (Your name will be written on the walletcard inside the ZainCash app, in the option "Mastercard" & on the physical card)
• Enter the delivery address
• After completing the purchase, you will receive a message informing you of the purchase proccess is complete.

• Use in E-commerce sites.
• Use in ATM machines.
• Use in POS devices
• Use in POC devices

You can check your Mastercard balance by going to the ZainCash app, then clicking on "Mastercard" and choosing the currency to see the balance of the card in US dollars or Iraqi dinars.

To top up your MasterCard from your ZainCash wallet:

1- Log into the ZainCash app.
2- Select “MasterCard”.
3- Tap on Top Up.
4- Choose the currency: Iraqi Dinar or US Dollar.
5- Enter the top-up amount.
6- Press Confirm, enter your wallet PIN, and the card will be topped up instantly.

 

To activate the MasterCard:

1- Log into the ZainCash app.
2- Select “MasterCard” from Financial Services.
3- Choose “Activate”.
4- Enter the card details: • The 9-digit serial number (on the back of the card).
5- Press Confirm.
• You will receive an SMS with the card's 4-digit PIN code to be used at ATMs and POS devices.

 

How to buy a Mastercard:

1. Open ZainCash app.
2. Select Order Mastercard from the side menu.
3. Enter your phone number.
4. Choose “Mastercard”.
5. Follow the steps.

To withdraw funds from a cancelled MasterCard, please follow these steps:
1. Cancel the MasterCard from within the ZainCash application.
2. Go to the Zain Cash website via the link: zaincash.iq.
3. Scroll to the bottom of the page.
4. Click on "Applications & Forms".
5. Choose the "Mastercard/Visa Refund Form" form.
6. Fill out the form to withdraw the remaining amount.
• The minimum amount that can be refunded is 3 US dollars or 5,000 IQD.
• You will receive a message informing you when the process of transferring funds from the MasterCard to the Zain Cash wallet is completed after completing the request.
Note that there is currently no commission for withdrawing funds from the MasterCard.

ZainCash MasterCard can be used at all locations that support the international MasterCard.

ناتوانرێت ماستەر کارت ببەسترێتەوە بە ماڵپەڕی Paypal، چونکە ماڵپەڕەکە پاڵپشتی وڵاتی عێراق ناکات

Please send your complaint to the ZainCash team via WhatsApp with the following required information:

• Wallet number
• Transaction date
• 9-digit MasterCard serial number (located in the center bottom of the back side of the card)
• Transaction amount

Please ensure you have completed the following steps before completing the transaction:
• Enter your Mastercard information correctly
• Have sufficient credit on the card according to the currency you wish to pay
• The Mastercard is no longer valid
• Enter your PIN and CVC correctly
If the transaction continues to be rejected, please send a complaint to the ZainCash team via WhatsApp with the required information:
1. Wallet number
2. 9-digit card serial number
3. A copy of the rejection receipt from the website
4. Date of transaction
5. Website name
 

Please send your complaint to the ZainCash team via WhatsApp with the following required information:

1. The deducted amount
2. Transaction date
3. Wallet number
4. 9-digit account number found on the card
5. The last four digits of the 16-digit card number
6. ATM name
7. ATM location

Please send your complaint to the ZainCash team via WhatsApp with the following required information:

1. Wallet number
2. The 9-digit account number found at the bottom of the card
3. A screenshot showing the negative balance

You can use your MasterCard to promote on Facebook by following these steps:

Go to your Facebook page and select the "Promote" option.

Several options will appear—choose the option to promote your Facebook page.

Then, you’ll see various settings where you can select the location where the ad will appear and the daily budget for the promotion.