Payroll Management Solutions

At Mawarid, we endeavor to provide Shariah compliant products and services, which are aimed at customer convenience and support the local business community too. In line with this mission, we have launched the Ojoor Payroll management card issuance program. The Ojoor payroll card offers an open-loop pre-paid salary card to employees, allowing them to receive their salaries via the card. The Ojoor card also provides the wage earners the convenience of withdrawing money directly from their cards through ATM machines and at our channel partners. 

The Ojoor card has been designed to uphold the Ministerial decree of 2009 on Protection of wages, and is aimed to bring enhanced financial security for wage earners and more streamlined and transparent ways of transferring employee salaries for companies.

Click here for Sharia Certificate
Click here for Sharia Structure

Why Mawarid Finance for Payroll management support?

At Mawarid we understand the need for small and medium sized companies to have payroll flexibility. Our personalized payment plans offer freedom and customer reports to business owners. With our services you will gain access to simple and affordable payment operations.

Features & Benefits of Payroll Cards

  • Mercury card certified provides faster transaction process times
  • Chip & pin offers card holders protection against financial loss 
  • Ojoor DDA - most advanced security features
  • International ATM access - Multi-brand ATMs for cash withdrawal across UAE and intenationally
  • The Global POS Ojoor card can be used for retail transaction at any MC approved merchant 
  • E-Commerce Ojoor card is enabled for on-line purchases from e-commerce websites 
  • Shortest process time - Ojoor Cards for new employees can be delivered in 48 hours 
  • Card Validity - the Ojoor card once issued is valid for 5 years 
  • FREE e-statement - cardholders receive their monthly salary account statement on their e-mail 
  • SMS alerts and SMS notification for Salary upload, ATM withdrawal and POS transactions 

Fees & Charges: 

  • One Time Set-up Fee: AED 100 – AED 500 
  • Card Issuance Fee: AED 10 per card 
  • Monthly Admin. Fee: AED 5 per file processed 
  • Other Charges: Applicable as per policy