You can send money using one of the following beneficiary’s details:
- Instant Payment Address (IPA)
- Mobile number registered with IPN
- Digital wallet using mobile number
- Bank account number or IBAN
- Debit, credit or prepaid card from a member bank using a 16-digit number
CIB is always responsible for securing and overseeing your account. Proper authorization from the customer is required to allow CIB to process the transaction.
No. All transactions are secured using your IPN’s PIN, which cannot be accessed by InstaPay. CIB will not authorize any transaction without proper customer consent using their IPN’s PIN.
No, data privacy restrictions prevent InstaPay from storing or having access to your bank account data, which is only denoted by a reference number, while the actual account number is stored at CIB.
Whenever a transaction is declined on InstaPay, CIB will automatically reverse the transaction to your bank account immediately. In case the transaction is not reversed, please
contact CIB’s customer service at 19666 and provide them with the transaction’s reference number to track it.
Confidential data is defined as your card number, PIN and OTP, submitted during onboarding, and your IPN’s PIN submitted either during logins or during transaction authentication processes.
All the above confidential data are encrypted between you and CIB by implementing end-to-end encryption. Thus, InstaPay has no access, rights or ability to obtain or store such confidential data.
Please contact CIB’s customer service at 19666 and provide it with the transaction ID, so it can be investigated. Please note that all rejected transfers will be reversed instantly.
IPN allows customers to send money to any of the following:
- Bank accounts using:
- Account number
- Mobile number (for IPN on-boarded customers only)
- IPA (Instant Payment Address for on-boarded customers only)
- Digital wallets (using mobile number)
- Meeza cards (using 16-digit card number)
Please visit the below link for further details
- You can send and receive money instantly to any person on IPN
- You can check your bank account balance
- You can send money to any IPN bank account, Meeza cards and digital wallets
IPN enabled Banks; to send from bank accounts, and receive from bank accounts, Meeza Digital wallets and Meeza cards