Paymentology and Huru to Launch Jaywan Card in UAE as Salary Flows Reach AED 3 Billion

Paymentology and Huru are expanding their partnership to bring Huru’s payment card onto Jaywan, the United Arab Emirates’ domestic card scheme. The move connects the fintech’s growing salary account ecosystem with the country’s local payments infrastructure, and the card is scheduled to launch in the fourth quarter of 2026.

Announced on 12 October 2026, the partnership expansion comes as Huru reports AED 3 billion in annualized salary flows through its accounts, with more than 24,000 employers using the platform to pay employees. The Emirati-owned financial app is also targeting approximately one million accounts over the coming year.

Paymentology will provide the processing technology supporting the planned card launch. The agreement builds on the companies’ existing relationship as Huru broadens the services available through its Universal Account.

The development reflects two important trends in the UAE financial services market: the expansion of digital-first financial platforms and the growing role of domestic payment infrastructure. For Huru, the Jaywan card represents another step towards connecting salary receipt, everyday spending, domestic transactions, and international money transfers through a single financial experience.

Paymentology and Huru Expand Their Existing Partnership

Under the expanded agreement, Paymentology will support Huru’s planned Jaywan card program through its card processing technology. The companies aim to build on their existing partnership as Huru develops its financial services proposition for customers across the UAE.

Payment processing is a critical part of a card program. It helps support the systems that handle card transactions, allowing an issuer’s wider financial application to connect with the infrastructure required to process payments.

For fintech companies, working with an issuer processor can provide access to specialized technology without requiring them to develop every element of a card processing system independently. The precise responsibilities of each partner depend on the program’s technical and commercial arrangements. In this case, Paymentology’s role is to support Huru’s move onto Jaywan while providing the processing capabilities needed for its card program.

Nauman Hassan, Regional Director of MENA at Paymentology, said the partnership reflected the UAE’s evolving payments ecosystem, which is increasingly shaped by local innovation, digital-first services, and greater customer choice. He added that Paymentology aims to give Huru the flexibility and scale required to introduce new capabilities to the market.

For Huru, the expanded relationship supports its efforts to extend the Universal Account beyond salary receipt and money management into a broader set of everyday financial services.

What Is Jaywan, and Why Does It Matter for UAE Payments?

Jaywan is the UAE’s domestic card scheme. Its role within the country’s payments ecosystem makes it relevant to financial institutions and fintechs looking to develop card services aligned with local payment infrastructure.

Domestic card schemes are designed around the payment needs and infrastructure of their home markets. Depending on the scheme’s capabilities and acceptance arrangements, they can help support local card transactions and provide an additional option within a country’s broader payments landscape.

The significance of Huru’s planned launch therefore goes beyond simply adding another card to its app. It brings a growing digital financial platform into the UAE’s domestic card ecosystem.

For customers, the practical value will depend on the card’s final features, acceptance arrangements, fees, terms, and availability when the product launches. The announcement does not specify all these details, so they should not be assumed in advance.

For the wider fintech sector, the partnership illustrates how digital financial services can combine locally relevant payment infrastructure with specialized processing technology. It also highlights the importance of partnerships between customer-facing fintech platforms and the providers that support their underlying payment operations.

The move comes as the UAE continues to develop its financial services sector and encourage innovation across digital payments. However, the planned launch alone does not establish how much transaction volume Jaywan will gain through Huru or whether customers will use the new card more frequently than existing payment options.

Huru’s Universal Account Targets a More Portable Salary Relationship

Huru’s Universal Account is central to the company’s broader strategy. According to the announcement, the account provides customers with an individual IBAN based account that remains associated with them rather than a particular employer.

This distinction addresses a familiar challenge for workers who change jobs. When salary arrangements are closely connected to an employer, moving between jobs can involve administrative changes to payroll details and the way income is received. Huru’s model aims to make that relationship more consistent by allowing customers to retain the same account as their employment changes.

An International Bank Account Number, or IBAN, identifies a bank account for payment purposes. In markets where IBANs are used for account identification and transfers, an account linked to an individual can provide continuity as that person moves between employers, subject to the account’s applicable terms and requirements. The Universal Account is intended to provide that continuity while bringing additional financial services into the same app.

Huru customers can use the platform to receive salaries, make domestic and international payments, send money overseas, top up mobile phones, and set money aside towards savings goals. The company also offers a Huru card, with the planned Jaywan launch set to develop that part of the proposition. The app is currently available in seven languages, according to the announcement.

This combination of features positions Huru as more than a salary receipt tool. Its stated approach is to give customers a central place to manage income and carry out everyday financial activities.

Abhimanyu Girotra, Chief Executive Officer of Huru, said receiving a salary is only the beginning of a person’s financial journey. He explained that the company wants customers to have more control over how they manage their income, make payments, send money home, and save. The Jaywan initiative fits that strategy by extending the payment options associated with the Universal Account.

AED 3 Billion in Annualized Salary Flows Signals Huru’s Scale

Huru’s reported scale provides important context for the planned launch.

The company says AED 3 billion in annualized salary flows pass through its accounts. It also reports that more than 24,000 employers use the platform to pay employees and that it works with nine exchange houses.

These figures indicate that Huru has developed relationships across the payroll and financial services ecosystem. Its employer network provides a route for reaching workers through salary payments, while its exchange house relationships form another part of its distribution and service environment.

However, annualized salary flows should not be confused with revenue, profit, deposits, assets under management, or the total value of card transactions. The figure describes a salary flow measure, and the announcement does not provide a full breakdown of the underlying calculation.

The company’s target of approximately one million accounts over the coming year is another important indicator of its ambitions, though it remains a target rather than an achieved milestone. Reaching that level would require Huru to convert its existing employer and partner relationships into sustained account adoption. The number of accounts alone would also not establish how actively customers use the platform or how much payment activity they generate.

The planned Jaywan card could become one component of that broader adoption strategy. By adding a domestic card option to an account that already supports salary receipt and transfers, Huru can offer customers another way to access and use their money. The announcement does not disclose how many existing Huru customers are expected to adopt the Jaywan card, whether it will replace or sit alongside other card options, or how the company plans to measure adoption after launch.

Why the Jaywan Launch Matters for Digital Payments

The partnership reflects a broader development in fintech: financial applications increasingly depend on a combination of customer-facing services and specialist infrastructure.

A digital account may offer salary receipts, transfers, and savings tools, but payment cards require additional capabilities. These can include card program management, transaction processing, and connections with the relevant payment ecosystem.

By working with Paymentology, Huru is extending its card proposition through an established processing partnership rather than presenting the planned launch as an entirely standalone technology effort. The Jaywan connection adds a domestic scheme dimension to that approach.

For the UAE market, the combination is relevant because it brings together a locally owned financial app, a domestic card scheme, and an international issuer processing provider. Each plays a different role. Huru manages the customer-facing financial experience, Jaywan provides the domestic card scheme framework, and Paymentology supports the card processing program. The arrangement illustrates how different parts of the payments value chain can work together to support a new financial product.

Still, the commercial impact will depend on execution. A successful launch will need to translate the infrastructure partnership into a useful customer experience, with reliable transactions, clear product terms, and appropriate customer support. Card acceptance and the actual benefits available to customers will also matter. Without detailed launch information, it is too early to quantify the potential effect on transaction costs, payment volumes, or customer acquisition.

What Customers Should Watch Before the Launch

With the Jaywan card scheduled for Q4 2026, several details remain important for prospective users.

First, customers will need confirmation of the launch date and eligibility requirements. The announcement provides a target quarter, but it does not establish a specific release date or explain whether access will be rolled out in stages.

Second, the card’s terms will determine its practical value. Fees, limits, cash withdrawal availability, online payment support and any associated rewards should be assessed from the final product documentation rather than assumed from the partnership announcement.

Third, customers will need clarity on how the new card interacts with their existing Huru account and card services. The announcement confirms that the planned programme will use Jaywan but does not detail whether customers will have multiple card options or how any transition will work.

Finally, the company’s progress towards its account target will help indicate whether the wider Universal Account strategy is gaining traction. The number of active users, repeat payment activity and the range of services customers actually use will be more informative than account targets alone.

These details will help establish whether the Jaywan card becomes a meaningful part of Huru’s everyday financial offering.

A Further Step in Huru’s Universal Account Strategy

Paymentology and Huru’s expanded partnership brings the planned Jaywan card into a wider effort to connect salary receipt with everyday financial management.

Huru enters this next stage with reported annualised salary flows of AED 3 billion, more than 24,000 employer relationships and an ambition to reach approximately one million accounts over the coming year. Paymentology will support the planned card programme, while Jaywan provides the domestic scheme through which the card is expected to operate.

The launch, scheduled for Q4 2026, will be an important milestone to watch as Huru develops its Universal Account and the UAE’s domestic payments ecosystem continues to evolve.

Ultimately, the partnership’s significance will be measured by what it delivers to customers: a reliable way to access their money, make everyday payments and manage their financial lives through a more connected digital experience.

Card ProcessingDigital Bankingdigital paymentsfintech partnershipsHuruJaywanMiddle East fintechPaymentologypayments infrastructureUAE fintechUAE paymentsUniversal Account