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Your Gateway to Electronic Payments & Financial Services Getting Started Guide - English
Your Gateway to Electronic Payments & Financial Services
Getting Started Guide - English
• Introduction
• Register online for noqodi
• How to fund?
• How to execute Transactions and Payments?
• Conclusion
Contents
noqodi is a Payment Gateway hosted and managed by emaratech software & solutions.
noqodi is a safer way to pay for Government services and other Service Providers on-line.
noqodi provides a unique Wallet to its channel partners and consumers where-in an individual
or an establishment registers and gets a Wallet account, fund the wallet account and can use
the same wallet account to pay for listed Service Providers at the noqodi Payment Gateway.
On-line statements can be viewed anytime on noqodi portal for funding and payment
transactions.
e-cash is a pre-paid wallet account which can be funded through any of the partner banks
through the listed channels. Paying for the noqodi listed Service Providers through e-cash is
quick, convenient and error free.
noqodi pillars:
Safety, Convenience and Speed
• If you pay via noqodi, the service provider never sees your payment information. This keeps
your financial safe and protected against fraud.
• There's no need to re-enter your payment details with each transaction. Simply pay with your
noqodi Wallet ID.
• Payments are processed in real-time and no need to browse through complex web screen
and re-enter payment information again and again.
Introduction
• Visit www.noqodi.com to register online for noqodi wallet.
• Click on link “Sign up” as shown in the below image.
Registering for noqodi….Step 1
• Select Customer Type as corporate account if you are a typing center or a corporate else as individual.
• Click on ‘Create noqodi corporate account’ button.
Registering for noqodi….Step 2
• Enter application details, accept terms & conditions and click “Save & Continue” button to proceed.
Registering for noqodi….Step 3
Note: Please note
all fields are
mandatory except
Landline & Fax.
Registering for noqodi….Step 4
• An noqodi Wallet ID is generated and displayed to you on screen.
• Setup password as per required characters mentioned at the page, select the Service Provider/ Merchants you wish to
pay for using your noqodi Wallet and click “Save” to Create your account as per the shown details.
• Use this Wallet ID along with the password whenever you login to the noqodi portal OR make normal payments to
Merchants/ Service Providers using e-cash payment mode.
Note:
Selected Service Providers
should be approved before
payment.
You can add additional
Service Providers through
the noqodi portal at
“Merchant Services”.
• Upon successful registration, congratulations page given below will be displayed. Now you can start funding your account.
Help on how to fund your noqodi wallet is available in this guide.
• Download and print the Application form from this screen. An email with the application form will be sent to your ID as well.
Complete Registration and get account Activated for Paying to Services on-line
• To have your account
activated for selected Service
Providers, you need to submit
the signed application form
along with terms & condition
with a copy of trade license to
noqodi email address: [email protected]
Note:
Use function “Merchant
Services” on noqodi portal
to add new merchants/
Service provider post your
account opening. These
service provider will be
approved online by noqodi
back office.
• Wallet account can be funded online through Abu Dhabi Islamic Bank (ADIB).
• You need to open an account with Abu Dhabi Islamic Bank to use this feature, for help on opening the ADIB account
please call our help desk at (+971 42376100).
• Once the account is opened with ADIB you need to get access to the eDD service of ADIB (User ID, Password and RSA
Token Device).
Funding e-cash on your noqodi Wallet through ADIB… Step 1
• To fund the account, login
to www.noqodi.com and
choose option “Add funds”
then “Electronic transfer”
as shown in the picture,
enter amount, select
funding mode as net
Banking and bank as Abu
Dhabi Islamic Bank and
Click “Transfer fund”.
noqodi will re-direct to the
ADIB eDD service web site
in a new window as shown
in the next slide. (Ensure
the popup blocker is
disabled in your browser
settings).
• Please enter the eDD credentials on Bank’s website and the dynamic token number generated
on the token device, once logged into eDD site, follow the flow as per the below screens.
Funding e-cash on your noqodi Wallet… Step 2
1 2
3 4
• Follow the eDD web site payment interface of ADIB until the payment is successful and a transaction reference is
displayed and you close the browser.
• Once you are back into the noqodi portal, you should see the “e-Cash balance” with the new credit amount
• As your e-cash is Successfully funded, you can now proceed with making error free and real time payments to the listed &
enabled Service Providers/ Merchants with noqodi.
Funding e-cash on your noqodi Wallet… Step 3
• Now you can recharge your noqodi wallet using credit card. • To fund the account, login to www.noqodi.com and choose option “Add funds” then “Electronic
transfer” as shown in the picture.
Funding e-cash on your noqodi Wallet through Credit Card… Step 1
Funding e-cash on your noqodi Wallet… Step 2
• Enter amount, select Funding mode as Credit Card then it will show in total amount including the charges.
• Click “Transfer fund” noqodi will re-direct to the Credit Card payment page
Funding e-cash on your noqodi Wallet… Step 3
• Select the preferred payment method “Visa or MasterCard”.
• Enter the credit card details then click pay.
Funding e-cash on your noqodi Wallet… Step 4
• Once you are redirected back into the noqodi portal, you should see the “e-Cash balance” with the new credit amount.
• Payment transactions are initiated through a Merchant website like
eform. There are two types of payment:
noqodi Standard
noqodi xPresspay.
• In a Standard payment scenario, the eform will re-direct to the
noqodi payment gateway interface. The user will enter the noqodi
wallet ID and password to complete the payment.
• In a xPresspay payment scenario, the Wallet owner needs to
register the merchant users into his Wallet. Once registered these
users can pay from the respective merchant interfaces
instantaneously. The Wallet owner can also restrict these users by
putting a daily limit and pay modes etc. As the name suggests,
xPresspay payment is done without being needed to re-
authenticate the user.
• A Complete pay feature is introduced, where in the merchant site
can verify a payment incase of any technical failures, and if not
done this can be re-executed.
• A step by step guide on how to make use of the above features are
listed in the coming slides.
Making Payment for eform through the noqodi Wallet using e-Cash
• Fill in the application form, attach the required documents and proceed to payment page as shown in the picture
• Select Payment option as “Normal payment” on payment screen and click on Pay button.
• The eform application will re-direct to the noqodi payment gateway in a new window as shown in the next slide. (Ensure the
popup blocker is disabled in your browser settings).
Making Standard Payment…Step 1
• eform application will re-direct to the below page where the transaction details and payment details will be shown here. Verify
the transaction details and payment amount.
• Enter your noqodi wallet ID and password and click login to make payment for your transaction.
Making Standard Payment…Step 2
Note: If you close the browser by clicking “X” in this window. Your payment will not be complete.
• On Successful Login, you will see the below page with the transaction amount details and the wallet account number.
• Enter payment details for your statement and confirm the payment.
Making Standard Payment…Step 3
• noqodi will debit your
wallet account and
complete your payment
and you will get a
acknowledgement
page as shown in next
slide.
• Note: If you close the
browser by clicking “X”
in this window. Your
payment will not be
complete.
• A payment acknowledgement will appear as shown below once the payment is successful.
• The payment details will be reflected in your e-cash account statement.
• An payment receipt will be sent to your e-mail address defined in the Wallet account information. Click “Click Here” URL to go
back to the eform application. The below screen will be closed within 10 seconds and go back to the application if you don’t
click.
• You will be redirected back to the eform application where you can see the successful payment reference as shown in next
slide.
Making Standard Payment…Step 4
• The eform application displays the below page once the payment is successful.
• Keep note of noqodi and Merchant Reference number for any payment queries.
• This merchant reference will also be available in your e-cash statement.
Making Standard Payment…Step 5
• An noqodi wallet account owner can register users of the listed merchants so that they can pay instantly through his e-cash.
Registration can be done through the noqodi portal.
• Select “xPressPay” under Manage Account from toolbar menu at the portal and select then click Add.
• Select the merchant you wish to add member or user Enter the Member id and click “Validate ID”. noqodi will connect to the
merchant system and check whether the user is available.
• Enter a daily limit that the user can pay through e-cash on your wallet.
• Select e-cash as pay mode and click “Save”.
Registering a member for xPresspay Payment
Note:
Once a member for a
selected service is
added by you on your
wallet, the respective
user can pay from your
wallet for those
merchant service up to
the specified limit
without any re-
authentication.
Registering a member
for xPresspay
Payment
Making xPresspay Payment…Step 1
• Fill in the application form, attach the required documents and proceed to payment page as shown in the picture
• Select Payment option as “Express Payment” on payment screen and click on Pay button.
• The eform application will execute the payment internally by debiting the Wallet account of the account holder with whom the
respective eform user is registered.
Making xPresspay Payment…Step 2
• The eform application displays the below page once the xPresspay payment is successful.
• Keep note of noqodi and Merchant Reference number for any payment queries.
• This merchant reference will also be available in your e-cash statement.
Verifying payment done in case of no response from noqodi
• At times due to any network issues or computer crashes, there would be a payment break and your transactions will
not be complete.
• noqodi provides a new feature of verifying payment with the payment gateway . Eform list those transactions where
payments are not complete or not done
• Click on the “Complete Payment” for each transaction, and complete the payment as shown earlier either through
standard or xPresspay, in this case the payment type will be what was selected earlier and cannot be changed.
By putting together this Getting Started Guide, we hope to reduce some of the uncertainty that may
emerge when a customer is registering, obtaining approval, funding e-cash or making payments
through our gateway.
As we move forward together, we will enhance the gateway with new functionalities and features,
on which, you may continue to have questions and clarifications that you want to sought. We will
constantly update our guide to help you understand the added functionalities.
Fortunately, our call centre (+971 42376100) will offer advice and solution for all your queries
regardless of how important the query is, From 08:00 AM to 07:00 PM from Saturday to Thursday.
You can also reach us anytime through our Web site at www.noqodi.com or email us at
Thanks
Conclusion
