WalletCard - Mastercard

About Mastercard
What is a Mastercard? What are its advantages and features?

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 up to 3 years from the issuance date. The exact expiry date is printed on the card.
  • 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)
I cannot cash-out money in dollars from the Mastercard!

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

Is there an extension of validity for the Mastercard?

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

What happens to the Mastercard when I cancel my ZainCash wallet?

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

What are the fees for Mastercard transactions?

Mastercard Fees per Transaction:

Card Top-Up Fees:

• USD account top-up: Free

• IQD account top-up: Free

Online Purchase Fees:

• International online payments: 1.75% (minimum USD 0.75)

• Local online payments: 0

ATM Withdrawal Fees:

• International ATM withdrawals: USD 5.75

• Local ATM withdrawals: Subject to the bank

ATM Balance Inquiry Fees:

• USD account balance inquiry: USD 1

• IQD account balance inquiry: IQD 1,250

POS Payment Fees:

• International POS purchases: 1.75%

• Local POS purchases: 0

Money Transfer Fees from Mastercard to Wallet (per transaction):

• Transfer from Mastercard to wallet (both accounts): 0.5%

What should I do when I find my lost Mastercard?

You can unfreeze your Mastercard by following these steps:

1. Log in to ZainCash app.

2. Select “Mastercard” from the home screen.

3. Choose “Unfreeze Card.”

4. Enter your ZainCash wallet PIN.

The card will be successfully reactivated and you can start using it.

When the card is lost, how I can cash-out the remaining balance?

 

To withdraw funds from a lost Mastercard, please follow the steps below:
1. Log in to the ZainCash Wallet app and select the Mastercard icon.
2. Click Transfer to Wallet.
3. A new page will appear, requiring you to enter the amount you want to transfer to your wallet and select the card's available currency (dollars or dinars).
4. A window will appear containing details of the amount you want to transfer, the transfer fee, and the exchange rate if transferring in US dollars.
5. Then click Confirm, and the amount will be transferred from your Mastercard to your wallet balance.
 
What should I do if I lost my Mastercard?

You can temporarily freeze your card if it is lost by following these steps:

1. Log in to ZainCash app.

2. Select “Mastercard” from the home screen.

3. Choose “Freeze Card.”

4. Enter your ZainCash wallet PIN.

The card will be frozen and cannot be used until it is unfrozen.

What should I do if I forgot my password for the Mastercard or entered it 3 times incorrectly?

 

To resend your MasterCard PIN:
1- Select “MasterCard” from the main screen.
2- Tap on “Re-Send Walletcard PIN”.
3- Enter your wallet PIN.
4- You will receive the MasterCard PIN via SMS.
 
 
What is the currency of the Mastercard?

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.

How do I use Mastercard in POS devices?

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.

I cannot cash-out money from the ATM. No authorization appears?

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.

What should I do when an error appears when making a purchase from any website?

Please make sure the following steps are completed before proceeding with the transaction:
• Enter your Mastercard details correctly
• Ensure sufficient balance is available on the card based on the payment currency
• Make sure the Mastercard is valid and not expired
• Enter the PIN and CVC correctly

If the transaction continues to be declined, please submit a complaint to ZainCash team via WhatsApp with the following required information:

1. Wallet number

2. Card serial number (9 digits)

3. Transaction date

4. Website name

 
How do I use Mastercard in ATMs

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.

How do I use Mastercard on E-commerce websites?
  • 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.
Where can I use the Mastercard?
  • Use in E-commerce sites.
  • Use in ATM machines.
  • Use in POS devices
  • Use in POC devices
How to view your Mastercard transaction history (completed transactions)

From the home screen, tap “Mastercard”
Choose the currency (USD or IQD) to review transactions related to each currency separately.
Scroll down to view all transactions under “My Completed Transactions.”

How can I cash-in money on the Mastercard?

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.

 

How do I activate the Mastercard?
From the home screen, tap on the photo of your card
Tap “Activate Card” and enter the required information (the 9-digit serial number printed on the bottom of the card).
Tap “Confirm.” A successful activation screen will appear, and you will receive an SMS containing the card’s 4-digit PIN.
 
How can I order a ZainCash Mastercard?

 

From the home screen, tap “Order your Card Now!” or “More”, then select “Mastercard (Wallet Card)”
The Mastercard (Wallet Card) screen will appear. Tap “Order WalletCard.” The name to be printed on the card will be displayed—tap “Confirm.”
Enter the address details and tap “Confirm.” The order details will appear (amount, delivery time, and address).
Confirm the request by entering your PIN.

Delivery time:

Baghdad: within 72 hours

Other governorates: 3–5 business days

The card is free of charge; only the delivery fee of IQD 5,000 applies.

How can I withdraw money from my Mastercard when canceled?

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.

How do I get a statement history for Mastercard transactions?

 

Please send the request to the ZainCash team via WhatsApp with the required information:
• Wallet line number
• Date of the account statement you wish to receive from - to
• 9-digit card serial number
You must contact us from the same wallet number to provide you with an account statement
In which websites can I use a Mastercard?

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

Does the Mastercard support the PayPal site?

No, ZainCash Mastercard cannot be used on PayPal, because PayPal does not currently support Iraq

The attempt to cash-in the Mastercard failed, and the amount was deducted from the ZainCash wallet, and the Mastercard was not loaded, what should I do!

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
What do I do if my Mastercard is rejected in ATMs, POS devices, or websites?

Please make sure the following steps are completed before proceeding with the transaction:
• Enter the Mastercard details correctly
• Ensure there is sufficient balance on the card based on the payment currency
• Make sure the Mastercard is valid and not expired
• Enter the PIN and CVC correctly

If the transaction continues to be declined, please send a complaint to ZainCash team via WhatsApp with the following required information:

1. Wallet number
2. Card serial number (9 digits)
3. Transaction date
4. Website name

You cash-out from the ATM machines and the money was deducted from the Mastercard, and the ATM didn't extract the money?

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
Why does my Mastercard balance appear negative?

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

1. Wallet number
2. The 9-digit account number printed on the bottom of the card

How do I use the Mastercard to promote on Facebook?

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.

 

Next, you'll be asked to enter your MasterCard information (the 16-digit card number). After entering it, click on "Promote."
Your request will remain in progress for about one to two hours, after which the promotion will begin.