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تبادل Tabadul
تبادل Tabadul
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Licensed by the Central Bank of IraqPSP

Digital Payment Infrastructure for Iraq

We enable businesses, government entities, and individuals to accept, issue, and process payments securely and efficiently

Trusted by

Central Bank of Iraq logoVisa logoMastercard logoPCI SSC logo

Payment Infrastructure

Connected platforms that enable you to accept payments, issue cards, and manage transactions with ease, in line with Central Bank of Iraq regulations

Acceptance

Accept payments across online, POS, and mobile channels through a unified experience.

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Issuing

Issue prepaid and digital cards with full lifecycle control.

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Processing

Transactions handled in real time from validation to settlement.

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Digital Onboarding

Onboard and verify users through document capture and biometric checks.

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Featured Cards

Cards designed for individuals, businesses, and agents

All Cards
Visa · Prepaidstandard
Diamond card

Diamond Card

  • An economical card with low fees
  • Supports NFC contactless payment
  • Card currency is the Iraqi Dinar
Get your card
Visa · Platinum · USDpremium
One World card

Visa Platinum Card (One World)

  • NFC chip for contactless payment — just tap the card near the reader
  • Transfer funds between Tabadul cards
  • Works at various POS terminals and ATMs
Get your card
Visa · Classicstandard
Moamala card

Moamala Card

  • NFC contactless payment support
  • Card transaction currency is the Iraqi Dinar
  • Can be used for promotional campaigns
Get your card
Visa · Agentsbusiness
Wattani card

Al-Watani Card

  • Exclusive for Earthlink agents & subscribers
  • Instant subscription management
  • High operational efficiency
Get your card

Our digital apps

An integrated suite of Tabadul apps for individuals, businesses, and agents.

All applications

T Pay

T Pay

T Pay from Tabadul is a SoftPOS (Soft Point of Sale) that transforms your Android smartphone into a contactless payment acceptance device

Tabadul Verify

Tabadul Verify

Secure digital onboarding and eKYC — verify your identity and register in minutes.

Tabadul X

Tabadul X

A new digital experience — activate cards, use a built-in wallet, and send money instantly.

Tabadul Agent

Tabadul Agent

A mobile solution for Tabadul branches and agents to reach customers anywhere.

Naftakum

Naftakum

The official app for the digital fuel quota system — register and pay with e-vouchers.

Couponi

Couponi

Track fuel refueling per vehicle, manage your vehicles, and find the nearest stations.

Solutions

Practical solutions tailored to each segment

01

Government Solutions

Tabadul provides technology solutions to help government entities digitize payments and collections.

  • Electronic Collection System: Move from cash to digital payments with real-time tracking and visibility of all transactions
  • Fuel and Gas Cards: Control and manage distribution of fuel products through allocated quotas linked to beneficiaries
  • Government Financial Inclusion: Connect entities to a centralized payment system that reduces reliance on cash
Request the Service
02

Business Solutions

Tabadul enables businesses to operate payments and manage financial flows efficiently.

  • Payment Gateway: Accept online payments with direct integration into your systems
  • Salary Disbursement: Distribute salaries and benefits through cards without handling cash
  • POS Solutions: Accept in-store payments with real-time transaction recording and reporting
  • Contactless Payments: Speed up checkout and reduce waiting time at payment points
Start accepting payments
03

Individual Solutions

Tabadul provides simple digital payment tools for everyday use.

  • Digital Payments: Pay online and in stores using your card
  • Balance Management: Track transactions and manage your spending
  • Cash Access: Withdraw funds from ATMs locally and internationally
Get your card
04

Agent Solutions

Tabadul operates a distributed agent network to deliver financial services across regions.

  • Cash-in / Cash-out: Handle deposits and withdrawals for users
  • Service Payments: Process subscriptions and payments on behalf of customers
  • Earnings Model: Generate income through daily transaction activity
Become an agent

The numbers talk

Live systems serving hundreds of thousands of users

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Transactions processed per month

0+

Ta'leem program beneficiaries

0+

Fuel card users

0+

Fuel stations enabled for digital payments

البنك المركزي العراقي
Central Bank of Iraq

Citizen Complaints Management Platform

As part of its commitment to improving banking services, the Central Bank of Iraq launched a unified digital platform to receive and process citizen complaints transparently and efficiently — scan the QR code to access the platform.

Navigate to the platform

Why Tabadul?

Tabadul is a licensed Payment Service Provider (PSP) operating large-scale digital payment systems in Iraq

Proven operational experience
Live systems serving hundreds of thousands of users
Government-scale execution
Experience delivering and operating national-level programs
End-to-end infrastructure
Acceptance, issuing, and processing within a single platform
Local ecosystem partnerships
Active partnerships across telecom, energy, retail, and service sectors in Iraq
Nationwide reach
Coverage through merchants and agents across multiple regions
بطاقات تبادل
Baghdad
Headquarters
PSP
Licensed by CBI

Latest News

Follow the newest news, announcements, and updates from Tabadul

View all news

Get Started with Tabadul

Start using digital payment services and run your payment operations with Tabadul

Tabadul — Digital Payments Infrastructure in Iraq