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JS / Jcash / Cash based OTC / Funds Transfer

C-OTC:CNIC to CNIC (Send Money)

The person to person (P2P) money transfer facility allows anyone with a valid CNIC to send money to any other valid CNIC holder in Pakistan. This service allows any individual (CNIC holder) to send up to Rs. 15,000 per month.

Price

The pricing structure for this facility is detailed below:

Slab Person (CNIC) to Person (CNIC)
100 – 1,000 60
1,001 – 2,500 120
2,501 – 4,000 180
4,001 – 6,000 240
6,001 – 8,000 300
8,001 – 10,000 350
10,001 – 13,000 400
13,001 – 16,000 450
16,001 – 20,000 600
20,001 – 25,000 750

Process

All walk-in customers are required to follow the following process:

Receiver

  1. Receiver receives a system generated SMS, with Transaction ID and amount of Transfer for their reference
  2. Sender informs the Receiver of the secret 5-digit Pass Code for the transaction
  3. Receiver goes to Jcash Agent, and requests for receipt of money
  4. Receiver provides the transaction ID, and Pass Code, along with the original CNIC, and valid Mobile Number
  5. Retail Agent (Receiving Agent) performs a Bio matric verification (BVS) of the Receiver
  6. Upon successful BVS the of the Receiver, Retail Agent (Receiving Agent) performs a receive money transaction and provides the amount to the Receiver

Sender

  1. Sender goes to Jcash agent, and requests for a Send Money Transaction
  2. Sender provides his valid and active CNIC and mobile number
  3. Sender provides the valid and active CNIC and mobile number of Receiver
  4. Sender provides the amount to be sent, in addition to the charges (as per the slabs listed above)
  5. The Retail Agent performs a Bio matric verification (BVS) of the sender
  6. Upon successful BVS the of the Sender, Retail Agent (Sending Agent) creates the transaction and send the money
  7. Sender receives a system generated SMS, with Transaction ID, and a Pass Code (a secret code that allows the received to claim the amount sent)

C-OTC: CNIC to Wallet

The person to mobile wallet (MW) money transfer facility allows anyone with a valid CNIC to send money to a Jcash Mobile Wallet customer in Pakistan. This service allows any individual (CNIC holder) to send up to Rs. 25,000 per month.

Price

The pricing structure for this facility is detailed below:

Slab Cash-In (Wallet)
100 – 1,000 35
1,001 – 2,000 55
2,001 – 3,000 70
3,001 – 4,000 100
4,001 – 6,000 150
6,001 – 8,000 200
8,001 – 10,000 240
10,001 – 13,000 270
13,001 – 16,000 300
16,001 – 20,000 350
20,001 – 25,000 400

Process

All walk-in customers are required to follow the following process:

Receiver

  1. Receiver receives a system generated SMS, with Transaction ID and amount of transfer for their reference

Sender

  1. Sender goes to a Jcash Agent, and requests for a Person to Wallet transaction
  2. Sender provides his valid and active CNIC and Mobile Number
  3. Sender provides the valid Mobile Number (Mobile Wallet) of the Receiver
  4. Sender provides the amount to be sent, in addition to the charges (as per the slabs listed above)
  5. Retail Agent (Sending Agent) creates the transaction and sends the money
  6. Sender receives a system generated SMS, with a Transaction ID, and other transaction details for their reference

C-OTC: Cash out

Price

The pricing structure for this facility is detailed below:

Slab Cash out
1 – 1,000 20
1,001 – 2,500 40
2,500 – 4,000 60
4,001 – 6,000 90
6,001 – 8,000 120
8,001 – 10,000 150
10,001 – 13,000 180
13,001 – 16,000 210
16,001 – 20,000 280
20,001 – 25,000 350
25,001 – 30,000 430
30,001 – 40,000 490
40,001 – 50,000 690

Process

The pricing structure for this facility is detailed below:

Receiver

  1. Receiver receives a system generated SMS, with Transaction ID and amount of transfer for their reference

Sender

  1. Sender goes to a Jcash Agent, and requests for a Person to JS Branch Account transaction
  2. Sender provides his valid and active CNIC and Mobile Number
  3. Sender provides the valid JS Branch Account Number of the Receiver, their Mobile Number, and provides the amount to be sent, in addition to the charges (as per the slabs listed above)
  4. Retail Agent (Sending Agent) creates the transaction and, allows the Sender to validate the Title of Account corresponding to the JS Branch Account Number given by the Sender (as a confirmation), and sends the money
  5. Sender receives a system generated SMS, with a Transaction ID, and other transaction details for their reference