MW-OTC: Mobile Wallet to CNIC

All Jcash Mobile Wallet account holders can now use our extensive retail agent network for an ‘agent assisted’ send money transaction to any valid CNIC holder of Pakistan, directly using their mobile wallet to fund the transaction, instead of cash.


The pricing structure for this facility is detailed below:

Slabs Mobile Wallet to Person (CNIC)
0100 – 1,000 50.00
1,001 – 2,500 93.00
2,501 – 4,000 139.00
4,001 – 6,000 185.00
6,001 – 8,000 232.00
8,001 – 10,000 278.00
10.001 – 13,000 325.00
13,001 – 15,000 360.00
15,001 – 20,000 440.00
20,001 – 25,000 510.00



The process for completing the Mobile Wallet to CNIC (Person) transfer is detailed below:


1. Provide your Mobile Wallet (Mobile Number) to the Jcash Agent
2. Provide the valid CNIC and Mobile Number of the Reciever
3. Inform the Jcash Agent about the amount to transfer
4. Retail Agent (Sending Agent) creates the transaction and sends the money
5. The Mobile Wallet account holder receives a confirmation call for this transaction, and provides his 4-digit PIN for validation
6. If the PIN is valid, the transaction is completed and confirmation messages are sent to both the agent (within the app) and the Jcash MW account holder (through SMS)
7. The Sender’ SMS confirmation message also has the 5-digit Pass Code that they need to provide to their Receiver


8. Receiver receives a system generated SMS, with Transaction ID and amount of transfer for their reference
9. Sender informs the Receiver of the secret 5-digit Pass Code for the transaction
10. Receiver goes to a Jcash Agent, and requests for receipt of money
11. Receiver provides the Transaction ID, and Pass Code, along with the original CNIC, and copy of the same, and their valid Mobile Number
12. Retail Agent (Receiving Agent) creates a receive money transaction and provides the amount to the Receiver