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.
You need to make sure that the mobile number used during registration is the same number registered to your accounts. If not, you might need to visit the bank and update your information. It could also be that your bank does not permit your account type to be listed on IPN.
IPN enabled Banks; to send from bank accounts, and receive from bank accounts, Meeza Digital wallets and Meeza cards
The bank itself.
- 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
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.
Member banks of the Instant Payment Network are integrated into the network to accept and execute customers’ instructions, based on their authorization. They are also licensed by the Central Bank of Egypt to allow InstaPay to process customers’ transactions.
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
Please share the transaction details, including the transaction ID, with the bank to check the transaction status and investigate the matter.
Please provide the beneficiary with the transaction details, including the transaction ID, and ask them to also check with their bank and investigate the matter.
All your bank accounts and Meeza prepaid card funds belonging to one of the network’s banks.
Please contact your bank and provide the customer service agent with the transaction ID to investigate the matter.
Please contact the bank and provide the customer service agent with the transaction reference number to track your transaction
Once your mobile number is verified, select your bank account, add your account, set your IPA and set your IPN PIN.
InstaPay will inform you of the transaction status instantly. The status can be one of the following:
- Successful Transaction: The transfer amount is credited to the beneficiary’s account.
- Rejected Transaction: The transfer was rejected and the transfer amount is reversed to your account.
- Pending Transaction: The transaction is sent to the beneficiary’s bank to be executed, but the bank hasn’t confirmed crediting the transfer amount to the beneficiary’s account. The transaction status will be updated shortly to either “successful” or “rejected”.
If the transaction status on InstaPay is “successful,” this means that the amount was successfully credited to the beneficiary’s account. Please provide the beneficiary with the transaction’s reference number to check the issue with their bank.
- Download the app from your mobile’s app store (Google Play or App Store)
- Select your bank account that is registered with your mobile number
- Create an IPN account and set a PIN that will only be accessible through your mobile device
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.
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)
A pending transfer means the beneficiary’s bank hasn’t confirmed crediting the amount to the beneficiary’s account. InstaPay will update the transfer status to either “successful” or “rejected” within a few minutes of the transaction. You can check the transaction status from the app’s transaction history.
InstaPay is licensed and regulated by the Central Bank of Egypt (CBE) as an authorized payment service provider. The CBE’s license guarantees the maximum level of data security and consumer data protection, and ensures that all InstaPay’s operations and processes are fully compliant with the CBE’s legislations.
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