Qi Card

Qi Card (also known as International Smart Card – ISC) is the largest electronic payment and card services provider in Iraq, established in 2007 through a partnership between the private sector and Al-Rafidain Bank, one of Iraq’s largest state-owned banks.

Qi Card is a pioneering fintech infrastructure in Iraq, widely used for salary payments, pensions, social benefits, and everyday transactions. It introduced one of the region’s first biometric-enabled payment cards, helping to improve transparency and reduce fraud in public sector payments.

SERVICES

• Prepaid & Debit Cards: Provides biometric-enabled cards for salaries, pensions, and personal financial use.
• Mobile Wallet & App Services: Offers digital platforms (Qi Services & SuperQi) for managing money and transactions.
• Money Transfers: Enables transfers between users, bank accounts, and external financial systems.
• Bill Payments: Allows users to pay utilities such as electricity, water, and telecom services digitally.
• Merchant & POS Payments: Enables payments at physical stores and online platforms through secure gateways.
• Government & Payroll Disbursement: Facilitates salary and social benefit payments for public sector employees and beneficiaries.
• E-commerce & Online Payments: Supports secure online transactions with global payment networks.
• Loan & Credit Services: Allows users to apply for loans and credit products through its digital platforms.

Countries