Paymentology and Huru Expand Partnership to Launch Jaywan Card in the UAE

Paymentology and Huru have expanded their partnership to launch the Huru card on Jaywan, the UAE’s domestic card scheme. For fintech professionals, this move signals the deepening integration of domestic payment infrastructure in the Middle East, enabling more portable, employer-independent financial services for a massive workforce through localized processing technology.

What was announced

The collaboration centers on the integration of Jaywan, the national card scheme of the United Arab Emirates, into Huru’s financial ecosystem. Paymentology will serve as the technical backbone, providing the issuer processing technology required to scale Huru’s card programme. This expansion is designed to enhance the "Universal Account," a flagship product from Huru that provides users with an individual IBAN-based account. Unlike traditional payroll accounts tied to a specific firm, this account remains with the user regardless of employment changes, eliminating the friction of switching bank details when moving jobs.

The scale of the operation is already significant. Huru currently manages AED 3 billion in annualised salary flows, with more than 24,000 employers utilizing the platform for payroll. To further drive adoption, Huru is collaborating with nine exchange houses and has set a target of reaching approximately one million accounts within the next year. The Huru app, available in seven languages, allows users to receive salaries, execute domestic and international payments, perform mobile top-ups, and manage savings. The addition of Jaywan support aligns Huru’s card proposition with the UAE’s strategic push toward a self-reliant and digitally advanced domestic payments infrastructure.

"Receiving a salary is only the starting point of someone’s financial journey. Our focus has always been on what happens next — how people can manage their money, make payments, send money home, save for the future and have greater control over their income."

Abhimanyu Girotra, Chief Executive Officer of Huru.

The companies involved

Paymentology is a leading global issuer processor that provides the technical infrastructure for banks and fintechs to issue cards and process transactions. The company has established a significant presence in the global market, particularly in the Middle East, Africa, and Asia-Pacific regions, by offering flexible, cloud-native processing solutions that allow financial institutions to deploy products rapidly. Paymentology's platform is designed to handle complex multi-currency and multi-scheme requirements, making it a frequent choice for digital-first financial entities.

Huru is an Emirati-owned financial application licensed by the Central Bank of the UAE. It positions itself as a comprehensive financial hub for the UAE workforce, focusing on financial inclusion and the portability of banking services. By offering the Universal Account, Huru addresses a specific pain point in the regional labor market where salary accounts are often strictly tied to employer-sponsored banking relationships. As a licensed entity within the UAE’s regulatory framework, Huru operates at the intersection of traditional payroll services and modern digital banking, leveraging local infrastructure like the Jaywan scheme to provide tailored services to a diverse, multilingual demographic.

What FF News has reported before

FF News has closely followed Paymentology’s global expansion and product innovation. In late 2025, the processor made significant moves in the Asia-Pacific region, where Paymentology Brings PayCredit to APAC as Singapore FinTech Festival Marks 10 Years was a key highlight. This followed the company being recognized for its regional impact when Paymentology wins ‘Best Payments Service’ at APAC Payments Excellence Awards. The firm has also been active in the Banking-as-a-Service sector, notably when Constantinople Chooses Paymentology to Power its Banking-as-a-Service growth and Accelerate Payments Innovation in Australia. Additionally, the company recently enhanced its lending capabilities when Paymentology Launches PayCredit to Power Credit Innovation for Digital Banks and Fintechs.

What this means

The adoption of Jaywan by a high-growth player like Huru marks a pivotal moment for the UAE’s domestic payment strategy. By moving away from total reliance on international schemes, the UAE is asserting greater control over its financial rails, mirroring trends seen in other major markets like India and Brazil. For the wider industry, this puts pressure on traditional banks that have long benefited from "sticky" payroll accounts tied to corporate relationships. As portable IBANs and domestic schemes gain traction, the competitive moat for legacy institutions is shrinking. The industry must now grapple with a landscape where the worker, not the employer, dictates the banking relationship.