Getting Started Guide - English

Your Gateway to Electronic Payments & Financial Services

• 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 “New User? Register here” as shown in the below image.

A

Registering for noqodi….Step 1

• Select Customer Type as establishment if you are a typing center or a corporate else as individual.

• Click on ‘Create An Account’ button.

A

Registering for noqodi….Step 2

• Enter application details, accept terms & conditions and click “Save & Continue” button to proceed.

Note: Please note all fields

are mandatory except Fax.

Registering for noqodi….Step 3

• 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.

Service Providers that don’t need approval will be enabled for payment by default. You can set them through the noqodi portal at “Setup Services”.

• 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.

Registering for noqodi….Step 4

• 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.

• 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 back office.

Note:

Use function “Setup 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.

Complete Registration and get account Activated for Paying to Services on-line

• 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).

• To fund the account, login to

www.noqodi.com and choose

option purchase credit as

shown in the picture, enter

amount, select payment

mode as e-cash and bank as

Abu Dhabi Islamic Bank and

Click “Pay”. 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).

Funding e-cash on your noqodi Wallet… Step 1

• 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.

1 2

3 4

Funding e-cash on your noqodi Wallet… Step 2

• 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

shown below.

• As your e-cash is Successfully

Funded, you can now proceed with

making error free and real time

payments to the listed Service

Providers with noqodi.

Funding e-cash on your noqodi Wallet… Step 3

• Payment transactions are initiated through a Merchant website like EIDA.

There are two types of payment:

• noqodi Standard

• noqodi xPresspay.

• In a Standard payment scenario, the EIDA 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 EIDA 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 type as “noqodi Standard” on payment screen and click on Pay button.

• The EIDA 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

• EIDA 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.

NOTE : IF YOU CLOSE THE BROWSER BY CLICKING “X” IN THIS WINDOW. YOUR PAYMENT WILL NOT BE COMPLETE.

Making Standard Payment…Step 2

• 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.

• The 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.

Making Standard Payment…Step 3

• 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 EIDA 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 EIDA application where you can see the successful payment reference as shown in

next slide.

Making Standard Payment…Step 4

• The EIDA 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 “Manage xPressPay” menu at the portal and 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”.

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

• Fill in the application form, attach the required documents and proceed to payment page as shown in the picture

• Select Payment type as “xPresspay Payment” on payment screen and click on Pay button.

• The EIDA application will execute the payment internally by debiting the Wallet account of the account holder with

whom the respective EIDA user is registered.

Making xPresspay Payment…Step 1

• The EIDA 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.

Making xPresspay Payment…Step 2

• 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 . EIDA 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.

Verifying payment done incase of no response from noqodi

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. You can also reach us anytime through our Web site at www.noqodi.com or email us at noqodi.support@emaratech.ae Thanks

Conclusion

Thank You

The noqodi team