Getting Started Guide - English
• Introduction
• Register online for noqodi
• How to fund?
• How to execute Transactions and Payments?
• Conclusion
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.
• Visit www.noqodi.com to register online for noqodi wallet.
• Click on link “New User? Register here” as shown in the below image.
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• Select Customer Type as establishment if you are a typing center or a corporate else as individual. • Click on ‘Create An Account’ button.
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• Enter application details, accept terms & conditions and click “Save & Continue” button to proceed.
Note: Please note all fields are mandatory except Fax.
• 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.
• 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.
• 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).
• 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.
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• 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.
• 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.
• 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).
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
