New Partnership to Offer Secure Infrastructure for Mobile Payments, Identification, and Extended Smart Government Services for UAE Residents

New Partnership to Offer Secure Infrastructure for Mobile Payments, Identification, and Extended Smart Government Services for UAE Residents

Cardtek and Emcredit Introduce First National Mobile Wallet Solution, emPAY

Dubai and San Jose – April 3, 2017 – Cardtek, a leading international payment solutions provider, is pleased to announce its partnership with Emcredit, a subsidiary of the Dubai Economic Department (DED), to launch the secure mobile payment platform, emPAY, offering United Arab Emirates residents a national mobile wallet solution.

As a part of Dubai’s Smart Government Initiative, emPay will bring together a number of service providers including commercial banks, government departments, exchange houses, retailers, educational institutions, and transportation companies, into a common platform where consumers are easily able to access and pay for a wide variety of services from a single mobile wallet platform.  Through the collaboration, consumers in the UAE will be able to make retail payments (in-store and remote payment), initiate money transfers, pay for government utilities, telecommunication, and school fees, among many other options, from a single mobile wallet.

Cardtek will provide Emcredit the payment infrastructure, along with mobile industry knowledge, operational services and product enhancements to support future needs.  The solution uses NFC technology and allows consumers to use both mobile devices and wearables.

“We have great confidence that this partnership will ease UAE’s citizens’ life in terms of payments and bring new opportunities and benefits to the UAE’s economic development,” said Ayse Nil Sarigollu, the CEO of Cardtek.  “We have had resounding success in the international arena with numerous accomplishments with clients in four continents through proactively following the changes in the Fintech sector.  Utilizing our industry foresight, we continue to offer a dynamic competitive edge to our customers and partners.”

“The collaboration to launch this unique initiative of DED will simplify the life of consumers and merchants alike, creating a better, safer, and faster payment eco-system for all,” said Muna Al Qassab, the CEO of Emcredit Limited.  “With emPay, our goal is, and will always be to push the boundaries of innovation to give the people of UAE smarter yet simpler ways to conduct financial and non-financial transactions.  emPay is poised to change the very way we transact, offering speed and security like never before.”

About Cardtek

Cardtek is a Silicon Valley (San Jose) Company with worldwide development offices. Since 2001, Cardtek has provided innovative end-to-end payment solutions to more than 150 customers in 25 countries, including financial institutions, 3rd party processors, public transit service operators, retail and telecom sector. Cardtek is a leading player in emerging mobile payment, open-loop transit and wearable payment technologies.  With 15 years of experience in EMV, Cardtek is now offering well-established solutions to the US market from the Silicon Valley Office.  For more information, visit

About Emcredit

Emcredit is the UAE’s pioneer credit information company created by the Dubai Department of Economic Development (DED).  It was established to provide public and private entities with enterprise and credit information solutions, credit information reports, data verification, data enrichment, decision support analytics and other tools necessary to improve customer acquisition, assessment, servicing, debt collection and portfolio management.  Emcredit has also established data-sharing agreements with several government departments, to power its information solutions.  These government entities include Dubai e-Government, Dubai Police, Department of Economic Development (DED), Dubai Land Department and its subsidiary, the Real Estate Regulatory Authority.