Card Services

Refah cards turn a welfare, salary, or program payment into something people can actually use. Institutions load value onto a card; the holder spends it with merchants, withdraws when needed, or keeps a balance for later. Every authorization is checked against program rules, so funds stay on purpose.

Ministries, employers, and aid programs that need a controlled way to put money in people’s hands.

How it works

1. 01

   Enroll

   The institution registers beneficiaries or staff and assigns a card product.

2. 02

   Load

   Approved amounts are pushed to the card from the program account.

3. 03

   Spend or withdraw

   Holders pay merchants or cash out through the Refah network.

4. 04

   Reconcile

   The institution sees what moved, what is pending, and what remains.

What you get

• Program controls

  Limit where, when, and how a card can be used — including merchant categories and daily caps.

• Works with partners

  Cards work on the Afghan bank and wallet network already connected to Refah.

• Full trace

  Each load, spend, and reversal is recorded for finance teams and auditors.