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We transformed traditional payroll into the UAE’s largest fintech ecosystem for the unbanked workforce. By integrating automated e-KYC and retail banking APIs, our WPS-compliant solution empowers over 1.6 million active users with secure salary management and global remittances.
The C3Pay Mobile Ecosystem represents a benchmark in WPS-compliant payroll solutions, successfully bridging the gap for 2 million unbanked migrant workers in the UAE. By developing a high-performance digital platform, Mindster enabled Edenred to transition from traditional card distribution to a full-service Fintech super-app.
The solution integrates a robust e-KYC framework using Emirates ID verification, ensuring secure onboarding for a massive user base. Through strategic RAKBANK API integrations, the platform offers seamless international remittances, utility payments, and real-time card management. Today, with over 1.6 million active users, C3Pay stands as the UAE's largest salary processing provider, driving a measurable impact on financial inclusion and digital payment adoption across the GCC.
Since 2008, Edenred has become the UAE’s largest salary processor, using its Edenred Payroll and C3Pay platforms to serve 7,000 businesses and 2 million employees. This is a critical service in a market where 88% of workers are migrants and 60% earn less than AED 5,000 monthly, leaving them unable to open traditional bank accounts. By offering WPS-compliant digital payments, Edenred moves these workers away from risky cash-based systems and exchange houses, allowing them to securely receive wages, pay for goods, and send money home. Globally, the company operates in 45 countries with 12,000 employees, focusing on making financial services accessible to those excluded by standard banks.
CLIENT REQUIREMENTS
Develop a comprehensive mobile application to manage the C3Pay card (acquired by Edenred) with integrated financial services, specifically optimized for the unique needs of the unbanked workforce
Build a thin and responsive application capable of running on low-configuration devices. The solution must maintain high performance on entry-level smartphones with limited RAM and operate reliably on low-bandwidth networks.
Provide intuitive self-service tools for C3 card activation, blocking/unblocking, PIN management, and real-time card control to reduce reliance on physical helpdesks.
Enable fast, affordable international money transfers to support workers’ families back home across multiple corridors via secure banking APIs.
Deliver seamless bill payment options for electricity, water, telecom, and other essential utilities directly from the salary balance.
Facilitate local and international mobile recharge for 130+ countries, ensuring workers stay connected with their families.
Implement a frictionless e-KYC process utilizing Emirates ID verification for secure, remote onboarding that meets UAE WPS (Wages Protection System) and Central Bank standards.
SOLUTIONS DELIVERED
SOLUTION 01
The C3Pay App shifts control to the workers by providing intuitive self-service tools for card activation, real-time blocking/unblocking, and secure PIN management. The app provides real-time balance checking and transaction history. Features include card management tools for activation, blocking/unblocking, international remittances, mobile recharge for local and international numbers, utility payments, and secure ATM PIN viewing after identity verification.
Figure 2: A fintech screen displaying a transaction history list and a current balance
SOLUTION 02
Emirates ID verification validates identity documents during registration through an automated e-KYC process. Customers complete the KYC verification themselves within the app. In cases where automated verification fails or additional review is needed, field agents or admins can manually verify the KYC details uploaded by the customer.
Figure 3: Automated e-KYC and digital onboarding system for secure identity verification.
SOLUTION 03
RAKBANK integration partnership provides remittance corridors to India, Pakistan, Bangladesh, Philippines, and Nepal with competitive exchange rates and real-time transfers. The bank verifies the data and provides status updates in the backend. Only verified users can access remittance services.
Transfer To integration enables mobile top-ups for local and international numbers, utility bill payments, and seamless in-app payment experience.
Figure 4: Seamless payroll integration for instant international money transfers
SOLUTION 04
We abandoned the unstable “continuous background sync” method. Instead, we implemented a session-wise native pedometer mechanism:
Figure 5: An illustration of Employee Onboarding & e-KYC
PAYROLL SOLUTION CORE WORKFLOWS
Employers onboard through WPS-compliant systems to process salaries directly to C3Pay cards.
Figure 5: A step-by-step visual guide to easy employee onboarding and financial services with the C3Pay app.
THE CHALLENGE
From WPS-compliant payroll to global remittance integrations, let’s apply our 2-million-user scaling expertise to your next project.
CLIENT SUCCESS STORIES
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FAQ'S
C3Pay uses a direct integration with the Central Bank of the UAE’s Wages Protection System (WPS) to automate SIF file processing and salary disbursement.
It utilizes an automated e-KYC system that validates Emirates ID data in real-time, allowing workers to self-onboard without visiting a physical branch.
The C3Pay ecosystem is directly integrated with the Wages Protection System (WPS) mandate. It automates the generation and processing of Salary Information Files (SIF), ensuring that employers can disburse wages to unbanked workers' C3Pay Mastercards in full compliance with Central Bank of the UAE and MOHRE regulations.
The platform utilizes an automated e-KYC (Electronic Know Your Customer) workflow. Users scan their Emirates ID via the mobile app, which performs real-time data validation. If automated verification requires further review, the system triggers a manual verification loop for field agents or admins to ensure 100% identity accuracy before account activation.
C3Pay integrates with RAKBANK’s banking APIs to provide real-time remittance corridors to India, Pakistan, Bangladesh, the Philippines, and Nepal. This integration handles secure data sharing, currency exchange rate synchronization, and transaction status updates, allowing users to send money home instantly from their mobile wallet.
Yes. Through integration with partners like TransferTo (DT One), the C3Pay app allows users to pay essential utility bills (electricity, water, telecom) and perform local or international mobile top-ups across 130+ countries directly from their salary balance.
The app provides enterprise-grade security including biometric login, real-time card blocking/unblocking, and secure ATM PIN management. After identity verification, users can view their PIN digitally, reducing the need for physical paper trails and increasing the security of the funds.
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