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Services to meet
your needs and
facilitate your life

Services provided to individuals

PalPay provides fully integrated solutions for electronic payments in Palestine, to enable the Palestinians to keep abreast of scientific and technological development accelerated in the region; where the company provides a number of means and mechanisms that could be used to do all types of PalPay transactions, for all types of banker and non-banker citizens, to ensure the payment of all your financial obligations quickly and safely.

If you have a bank account at Bank of Palestine, the Arab Islamic Bank, or soon at the Commercial Palestinian Bank, and the Palestinian Islamic Bank, you can through the internet banking application add all PalPay services, inquiry for your open bills, and pay for them, in addition to paying university fees and micro-loans, Top-Up your mobile, and all that through using your own computer, either at home or at work, with ensuring direct payment of the bills or the fees; where the paid amount is transferred directly from your own bank account to the account of the service provider you’re paying for.

If you have the smart phones mobile application of Bank of Palestine, or soon of the Commercial Palestinian Bank, you can through your own mobile phone add all PalPay services, inquiry for your open bills, and pay for them, in addition to paying university fees and micro-loans, Top-Up your mobile, with ensuring direct payment of the bills or the fees; where the paid amount is transferred directly from your own bank account to the account of the service provider you’re paying for.

For non-banker citizens, PalPay has worked to establish a wide network of authorized agents to enable you to pay all your financial obligations either by paying in cash or using credit cards. PalPay is working intensively to reach all citizens in all regions through a network of more than 6,000 points of sale; distributed upon shops, supermarkets, pharmacies, telecommunication agents, etc.. and spread all over the country, as to cover all cities, villages, rural areas and camps, to save you time and effort and offer you an alternative for standing in long lines to pay your bills. So you only have to head to the nearest authorized merchant to inquiry for your open bills and pay them, in addition to paying the University and micro-loans fees, and Top-up your mobile phones.

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Presentment and Payment of bills from
  • Paltel
  • Wataniya Mobile
  • Jawwal – Through the Mobile banking application & the online banking application
  • Hadara
  • Mada
  • Call-U
  • Zone technologies
  • Zaytona
  • Netstream
  • Orange Palestine
  • Fusion
  • SpeedClick
  • Gemzo
  • CityNet
  • Coolnet
  • JDECO – Jerusalem District Electricity Co.
  • GEDCO – Gaza Electricity Distribution Corporation
  • Water Supply & Sewerage Authority / Bethlehem – Beit Jala – Beit Sahour
  • Shu Biddak from Palestine
  • PalGaz
  • Baridi
Repayment of loans provided by
  • Palestine for credit and development -FATEN
  • Reef Finance
  • Asala for development and credit
  • Al-Ibdaa for Microfinancing
  • IQRAD – Fund lending to students in higher education institutions
  • Vitas Palestine
Payment of fees for students in
  • Birzeit University
  • The Arab American University in Jenin
  • Al Quds Open University
  • Palestine Ahlia University
  • Palestine University – Gaza
  • The Islamic University in Gaza
  • Friends Schools
Recharge of prepaid electricity meters for
  • JDECO – Jerusalem District Electricity Co.
  • SELCO – Southern Electricity Co.
  • NEDCO – Northern Electricity Distribution Co.
  • GEDCO – Gaza Electricity Distribution Corporation
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Services to Merchants

PalPay has worked to establish a wide network of authorized agents to enable non-banking citizens to pay all their financial obligations either by paying in cash or using credit cards. PalPay works intensively to reach all citizens in all regions through a network of more than 6,000 points of sale; distributed upon shops, supermarkets, pharmacies, telecommunication agents, etc.. and spread all over the country, as to cover all cities, villages, rural areas and camps, to save time and effort and offer citizens an alternative for standing in long lines to pay their bills. The benefit also reflects on the merchants themselves; where:

The availability of new sophisticated electronic services is considered new product the merchant offers his customers.

These electronic services provide the merchant with additional income through receiving commission on each paid bill through his POS.

The merchants can benefit from the advertising campaigns started by PalPay across various media.

Ease of financial settlement and account matching through PalPay electronic systems, ensuring accuracy in the merchant accounts, and ease of management.

Sell Mobile phone Top-Up balance through electronic systems, without the need for the existence of stores or suppliers.

No need to pay for warranties or guarantees to participate in the PalPay system.

The possibility of buying goods from producers and distributors and paying for them through PalPay system, which helps in the cash management process.

PalPay has introduced multiple payment channels to suit all segments of society, including bankers and non-bankers, to allow them to pay all their financial dues easily and quickly, using the best payment channels with the highest security and safety standards.

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Point of Sale “POS” application

PalPay has developed a POS application to allow the non-bankers to pay all their financial dues; such as bills and fees, and Top-Up their mobile phones, by heading to any PalPay merchant, and ask him to inquiry for any unpaid bills, and pay them either in cash, or by any credit card, using the POS machine that will print a slip for the customer as a proof that the payment was done successfully.
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Merchants’ Web application

This channel was developed to be used by PalPay’s merchants to perform Top-Up transactions for Wataniya Mobile customers, through computers. Where this application allows the merchants to generate reports of all transactions done in certain periods, and inquiry for their remaining balances, and define a list of VIP customers.
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USSD

This channel was developed to be used by PalPay’s merchants to perform Top-Up transactions for Wataniya Mobile customers, through mobile phones.

Services provided to billers

PalPay has worked over the past periods on the development of payment and collection electronic systems, to become now the first in its field in terms of the size of its customer network to include telecommunications companies, Internet service providers, utility companies, schools and universities and Micro-Financing institutions. The benefit comes to such companies and organizations as follows:

Increase the collection of receivables on monthly basis: because the provision of electronic payment services has become an essential and encouraging alternative to citizens; where electronic payment facilitates the payment process to the citizen, and save his time and effort, and offer him an alternative for wasting time waiting in lines.

Reduce the pressure on the branches of the company or the institution by citizens wanting to pay the financial dues; especially in the beginning of each month.

Increase the number of customers and subscribers of service providers; where service providers that are part of our customers can seamlessly and easily manage purchases and bill payments, which encourage their customers to deal with them.

Reduce the cost of collection of receivables; thus reduce the operating costs of the service provider, through obtaining a network of more than 6000 authorized agent distributed throughout the whole country.

Reduce the cost of printing and distributing of prepaid cards, and facilitating their management and distribution electronically.

Ensure the reduction of theft and fraud.

Enable the possibility of bill and fees payment through credit cards.

Provide PalPay services around the clock, 24 hours a day, 7 days a week.

Enable payment through mobile banking and internet banking applications.

Information accuracy and security.

Provide the service provider with a fully integrated platform that enables them to monitor the live transaction, and generate reports of all kinds.

Direct collection of receivables in the service provider own account.

Instant financial settlement of the paid amount in the service provider’s accounting system.

Reduce the error rate in the collection centers; and save the time and effort wasted on matching and managing the collected amounts.

Contracted billers

Telecommunication companies
  • Paltel
Mobile Operators
  • Wataniya Mobile
  • Jawwal
Internet Service Providers
  • Hadara
  • Mada
  • Call U
  • Zone Technologies
  • Zaytona
  • Netstream
  • Orange Palestine
  • Fusion
  • SpeedClick
  • Gemzo
  • CoolNet
Credit and Loaning institutions
  • Palestine for credit and development -FATEN
  • Reef Finance
  • Asala for development and credit
  • Al-Ibdaa for Microfinancing
  • IQRAD – Fund lending to students in higher education institutions
  • Vitas Palestine
Educational Institutions
  • Birzeit University
  • The Arab American University in Jenin
  • Al Quds Open University
  • Palestine Ahlia University
  • Palestine University – Gaza
  • The Islamic University in Gaza
  • Friends Schools
Electricity Providing Companies
  • JDECO – Jerusalem District Electricity Co.
  • SELCO – Southern Electricity Co.
  • NEDCO – Northern Electricity Distribution Co.
  • GEDCO – Gaza Electricity Distribution Corporation
Water Providing Companies
  • Water Supply & Sewerage Authority / Bethlehem – Beit Jala – Beit Sahour
International Organizations
  • World Food Programme – WFP
  • Catholic Relief Services – CRS
Service Providers
  • Shu Biddak from Palestine
  • PalGaz
  • Mintroute
  • Baridi

Services provided to banks

PalPay has developed advanced banking applications to enable banking citizens to utilize their own bank accounts to make use of all PalPay services, in addition to doing all banking transactions. PalPay has developed a Mobile banking application and an Online Banking application that allow the bank clients to use all main and most of the advanced banking operations, including viewing the up-to-date values of the balances of their accounts and cards, view the details and generate reports for each account, transfer between accounts, in addition to bill services (electricity, water, internet, school and university fees…etc), mobile top ups and other pre-paid services. The benefit comes to banks as follows:

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Reduce the burden and pressure on the bank's branches.

Sustain a good relation with the clients, and increase their satisfaction, by providing an added-value service for them.

Ease of adding more clients for providing competitive banking features.

Easy and quick to meet any required updates and system enhancements.

Achieve additional income for the bank through getting commissions on PALPAY transactions that are done through the mobile application.