Blue provides customers and users from the banking and financial institutions sector with the service of issuing cards of various types: debit, credit, and prepaid cards bearing the trademarks of the two international payment companies, MasterCard and Visa, according to the highest standards and the latest technologies adopted globally, and this comes with full support for the functions of smart chips and contactless payment, to ensure that Providing advanced payment products that allow their customers to have a unique and secure experience in their financial transactions.

This service includes:

Full card management and creation, Customized card design, Payments management on the card and its accounts, Support for a wide range of multi-currency cards and accounts, Credit management: grants / installment payments, Flexible and seamless settlement system, Facilitated system for managing commissions, fees and benefits, Loyalty programs, Connectivity With the systems of banks and financial institutions through a variety of APIs.

1- Prepaid Cards:

Prepaid cards of all kinds used for various payment purposes are a safe and convenient alternative to checks and cash; They do not need to be linked to the bank account, but can be purchased or fed as needed.

Prepaid cards can be used to complete electronic payments at a wide variety of points of sale in Iraq and the world at large, including hotels, shopping malls, shops, restaurants, gas stations, and many others. Withdrawal of cash through Automated Teller Machines (ATM), if available.

Through automated solutions, Blue allows banks and financial institutions to diversify and expand their card portfolio, by issuing prepaid or non-chargeable prepaid cards.

Non-rechargeable prepaid cards: They can be issued for cases that do not need to be recharged, and are a convenient gift due to their multiple uses.

Prepaid rechargeable cards: allow card holders or institutions and business owners to feed money into the card, whether by depositing cash through bank branches, financial institutions or agent network, which is then transferred to the card, and this can be done through money transfer from one card to another.

2- Debit Cards:

At Blue, we provide integrated and comprehensive solutions for banks and financial institutions to manage debit cards in a highly efficient manner, including instant electronic authorization within the highest levels of control and risk control.

Debit cards can be linked to the customer’s current account, and can also be linked to multiple other accounts such as savings accounts and multi-currency accounts.

3- Credit Cards:

It is the card issued by banks or financial institutions to their customers, through which they are granted credit as a specific balance that is used in electronic payments, and the amount used is paid in monthly installments or in one payment, according to the credit policy of the issuing authority.

At Blue, we are keen to provide high-quality integrated services to users, including:

Data preparation service:

We provide data preparation, processing and processing services for issuance purposes, after receiving them by the bank or financial institution in a secure manner, to be ready for the issuance of the card.

Card printing service

We offer our customers several options for printing cards, whether they are smart cards or those that support the intangible payment feature.

 This includes printing by embossing on the card, thermal printing, or laser engraving, and we provide different ways of printing:

Printing at the company’s headquarters: by providing a specialized card printing center equipped with the latest machines and modern equipment at the highest levels of quality and within international safety standards, which is managed by a specialized team with extensive experience in this field.

Printing at the customer’s premises: where the card data is prepared and processed in our premises, and then sent all at once in a secure manner to a printing machine designated for this purpose at the customer’s premises to be printed there.

Instant printing at bank or financial institution branches: Instant card issuance is an option for banks or financial institutions that want to provide their customers with instant card delivery with a very short waiting time, which enhances customer confidence and loyalty.

Card identification number (PIN) issuance and management services:

The Personal Identification Number (PIN) is used to identify the Cardholder, and we provide different ways to deliver the PIN as follows:

• Print the PIN in a private and secure envelope.
• Sending the personal identification number via SMS or through the customer’s mobile application.
• The card holder chooses his personal identification number at the bank’s branch, where the bank can provide the service of choosing the personal identification number before or after the card is issued.

Card Packaging Services

The cards are wrapped automatically by machines dedicated for this purpose, with the ability to add awareness brochures and marketing offers to the entire envelopes and accessories of the cards.

We provide the banking and financial institutions sector with a comprehensive range of services for managing and monitoring their Automated Teller Machine (ATM) networks across Iraq.

This includes ATM operations acceptance, processing and remote monitoring, and value-added services, in addition to providing various mechanisms for calculating real-time transaction authorization fees, comprehensive support for electronic financial transactions, multi-currency exchange, multi-account management, settlements, reports and dispute resolution.

We also provide advisory services for selecting ATMs, building scenarios and screens for the financial movement on ATMs, necessary checks, and accreditation certificates with the Central Bank of Iraq and international payment companies, in addition to post-operational monitoring.

We provide transfer and processing services for transactions and transactions made on cards, point-of-sale devices, and automated teller machines (ATMs) by linking basic banking systems and ATMs with the national exchange of the Central Bank of Iraq, and linking with MasterCard and Visa, in order to transfer various types of local and international transactions that Payment cards and ATMs are processed and processed.

We offer our customers an advanced system for processing transactions that keeps pace with the latest changes in the electronic payment sector, where any modifications can be made to suit each customer’s requirements and meet his diverse needs, within the highest standards of security and protection.

One of our top priorities at Blue Company is to maintain security by providing anti-money laundering, terrorist financing and fraud requirements; This happens using the latest programs and systems that we use on a daily and approved basis, and this enables us to help banks and financial institutions in achieving the requirements of oversight over operations, in order to control any suspicious operations and the risks associated with them, either through direct, instantaneous and non-momentary control over the time of operations.

These systems rely on artificial intelligence solutions to analyze the behavior of operations, and allow the definition of scenarios based on multiple criteria, in addition to the possibility of defining rules that include, but not limited to, the amount and number of transactions, merchant categories, country, product, type of transaction, etc. a lot. These systems also provide mechanisms for extracting and analyzing reports, and oversight work can be referred to our company or granting the bank access to the systems to carry out oversight by it, while providing all advisory services in this regard.

We also provide “3D secure” service that will provide customers with 3D secure services, to ensure an enjoyable shopping experience using the card online safely and without worrying about fraud, by approving the transaction after entering the One Time Password (OTP), sent via SMS text or email.

With the increasing dependence of most sectors around the world on various smartphone applications, we offer our customers from the banking and financial institutions sector the service of creating mobile applications, which are compatible with various operating systems to meet their needs and keep pace with the ever-changing requirements of their customers.

This service is an integrated and distinct window that these institutions and banks add to the series of services they provide to their customers, in line with the latest developments in the electronic payment sector, and makes it easier for customers to complete their financial transactions and view all the details of their accounts with ease and ease, taking into account the highest standards of security and protection.

We offer our customers from the banking and financial institutions sector the best advisory services in the field of payment services, including technical, financial and commercial advice related to electronic payment, to help them launch their products, draw marketing strategies according to the market situation, and reach the target customers to achieve more profits at the lowest possible costs.

In addition, we provide our customers with an integrated and diversified set of reporting and analysis solutions for KPIs, to contribute to the formulation of strategies necessary to achieve their various objectives, and use them to drive the development and enhancement of their business on a larger scale, in addition to analyzing the patterns and behavior of cardholders, and managing risk and fraud.

We offer our customers from the banking and financial institutions sector innovative and unique solutions to help them reach the satisfaction of their customers and ensure their loyalty to the products and brands of each of them, which provides an additional advantage that enhances competitiveness, and attracts more targeted customers with its unique advantages and services.

Among the most prominent value-added services that we provide at Blue Company, are loyalty programs designed specifically to meet the requirements of each customer and achieve his expectations, thus maintaining his existing customers and increasing his customer base by providing the best programs, solutions and exclusive offers to them.

At Blue Company, we are keen to provide the best to our customers in all sectors.

When it comes to government sectors, we provide our customers from ministries and government institutions with a variety of payment cards, which help in completing electronic payments with ease and efficiency, according to the highest standards of protection and security.

These cards include:

Payroll cards: to transfer employee salaries through them, and enable them to withdraw salary amounts from automated teller machines (ATMs) or withdrawal points, or use the card for electronic payment through points of sale available throughout Iraq and around the world, in addition to the possibility of electronic shopping.

Incentive Cards and Loans: To transfer incentives or loans and advances to employees easily, quickly and safely.

Travel cards: to cover the expenses of business trips for employees through the card.

Co-branded cards: The ability to print more than one logo on the card and choose the design that meets the customer’s desire and ambitions and suits his tastes and orientations, whatever they are.

We provide the ministries and government institutions sector with a comprehensive set of services for managing and monitoring their Automated Teller Machine (ATM) networks throughout Iraq, in addition to services for accepting, transferring and processing ATM operations.

Through this service, we provide our customers from ministries and government institutions with a platform to view, collect and collect invoices electronically. It is an integrated central system that allows all citizens to inquire about their bills and pay their value through payment centers and channels throughout Iraq.

The collection platform provides many comprehensive services that facilitate the collection, control and daily settlements for ministries and government and private institutions, solving public problems and responding to their inquiries.

We offer our clients from the ministries and government institutions a comprehensive and diversified set of reporting and analysis solutions for KPIs, to help design the strategies necessary to achieve their respective goals, and use them to drive the development and promotion of their business on a larger scale.

With the increasing dependence of most sectors around the world on various smartphone applications, we offer our customers from the ministries and government institutions the service of creating mobile applications, which are compatible with various operating systems to meet their needs and keep pace with the ever-changing requirements of their customers.

This service is an integrated and distinct window that these ministries and institutions add to the series of services they provide to their customers, in line with the latest developments in the electronic payment sector, and makes it easier for customers to complete their financial transactions and view all the details of their accounts with ease and ease, taking into account the highest standards of security and protection.

The Blue team works without interruption and with full care for effective communication in the best possible way, and the call center service provides customer service over the phone various solutions and answers that come to the minds of the communicators of different types, and this includes customers and users from the governmental and non-governmental sectors, institutions and all users with all their practical backgrounds, our team will be available 24 hours a day, seven days a week to meet the needs of users whenever they want with professionalism and acceptance.

Blue provides companies and non-financial organizations with exclusive co-branded cards for their corporate or individual customers, so that the company or organization logo can be printed on the card and managed, according to the highest standards of protection and security.

This service gives a positive feature to companies and institutions, reflecting their development and reliance on the latest electronic payment solutions, in line with their unique brand identity and brand among their customers and work teams.

We provide companies and non-financial institutions with the service of issuing various types of special cards from MasterCard and Visa, according to the highest standards and the latest internationally approved technologies, to ensure that they have a distinctive and secure experience in their financial transactions, including, salary cards, employee travel allowances, etc., where the company issues these Cards for its employees to cover work expenses, allowing companies and institutions to follow up on their employees’ transactions and tighten control over their spending.

We provide charitable and non-profit organizations with the best solutions that help facilitate their work to deliver aid to those who deserve it quickly and smoothly, by providing them with payment cards and the necessary electronic payment systems, so that the process of providing aid throughout Iraq according to the highest standards of protection and safety.

We offer our clients from the ministries and government institutions a comprehensive and diversified set of reporting and analysis solutions for KPIs, to help design the strategies necessary to achieve their respective goals, and use them to drive the development and promotion of their business on a larger scale.

We provide companies and non-financial institutions with solutions and systems for electronic payment and collection that suit the nature of the work of each entity, as they are specially equipped to meet the needs of each customer, with regard to payments to business partners or collecting money from customers through the bill payment platform.

We provide our corporate and non-financial clients with a platform to view, collect and collect invoices electronically; It is an integrated central system that allows all customers to inquire about and pay their bills through payment centers and channels throughout Iraq.

It should be noted that the electronic collection service platform has been linked to the National Switch of the Central Bank of Iraq, and has successfully passed all the tests required by the Central Bank, and thus all collection and settlement operations are carried out under its supervision.

We provide our clients from companies and non-financial institutions with technical and commercial advisory services related to electronic payment that help them in formulating electronic transformation policies in the areas of payment and financial transactions, thus enhancing their ability to digital transformation and applying the latest payment solutions and electronic financial transactions, to keep pace with the global development in this field and the transformation towards the economy digital.

We offer our corporate and non-financial clients a comprehensive and diversified suite of KPI reporting and analysis solutions, to help map out the strategies needed to achieve their respective goals, and use them to drive and enhance their broader business development.

With the increasing dependence of most sectors around the world on various smartphone applications, we offer our customers from the corporate and non-financial institutions the service of creating mobile applications, which are compatible with various operating systems to meet their needs and keep pace with the ever-changing requirements of their customers.

This service is an integrated and distinct window that these companies and institutions add to the series of services they provide to their customers, in line with the latest developments in the electronic payment sector, and makes it easier for customers to complete their financial transactions and view all the details of their accounts with ease and ease, taking into account the highest standards of security and protection.

Through a distinguished team trained on the best customer service strategies, we provide a call center service for customer service via the phone that is available 24 hours a day, seven days a week.

This center works to provide distinguished service and great care to our clients from the corporate and non-financial institutions sector, by answering their various inquiries, receiving their various complaints, and dealing with them in a professional and transparent manner.