C3Pay payroll card and wallet data

Edenred UAE · Payments

C3Pay is Edenred UAE's payroll card and salary wallet for the country's private-sector workforce, built around a prepaid card that employers load every month. Cardholders choose between the black and blue card designs, check balances and receipts in the app, and use the same wallet to send money to India, Pakistan, Bangladesh, Nepal, the Philippines and Sri Lanka, pay utility bills, top up Etisalat and du mobile lines or a Dubai NOL transit card, and give to charity. C3Pay Plus bundles insurance and prize draws, RAKBank-backed salary advances land before payday, and onboarding runs on Emirates ID or passport scans with a selfie liveness check, so a new worker can be paid and start remitting without visiting a bank branch.

Payroll-card money resolves into a card ledger (availableBalance, ledgerBalance, cardStatus, expiryDate), a transaction feed (transactionAmount, transactionType, merchantCategoryCode, balanceAfter, declineReason) and the salary credits that fund both. Remittance records add corridor-level detail - corridor, fxRate, feeAmount, receiveAmount, quoteExpiresAt, payoutPartner, purposeCode - next to saved beneficiaryId entries whose payoutMethod, bankName and mobileWallet point at a bank account or mobile wallet in one of six destination countries.

Around that core sit billerId bill payments, operatorCode airtime recharges carrying a bonusAmount and nolCardNumber transit top-ups, plus the identity layer from Emirates ID and passport onboarding (kycStatus, selfieLivenessScore, faceMatchScore, documentNumber), the employer link in employerName and payrollReference, and RAKBank salary-advance eligibility (availableAmount, accruedSalary, repaymentDate). Remittance pricing teams benchmark corridors with the FX fields, payroll-compliance teams verify salary continuity from the credit entries, and alternative lenders size earned-wage advances from payroll behaviour rather than bureau files - openData Studio packages the whole surface as callable open data.

Screenshots

API surface

Request/response examples are illustrative, reconstructed from the app's interface — not a live capture.

Open an authenticated session
POST /v1/c3pay/sessions/open openbanking
Signs a worker in with the credentials their employer issued and returns the beneficiary-scoped session that every balance, card and transfer screen depends on.
Auth: Unauthenticated. Worker credentials are exchanged for an accessToken and refreshToken through Edenred's SSO; the token carries the erae-payrol-beneficiary-api scope and the ae tenant.
- accessToken
- refreshToken
- tokenType
- expiresIn
- beneficiaryId
- kycStatus
- deviceBindingStatus
```
POST /v1/c3pay/sessions/open HTTP/1.1
Content-Type: application/json

{
  "username": "[email protected]",
  "password": "********",
  "deviceId": "a1b2c3d4-e5f6-7890",
  "appVersion": "13.0.14",
  "language": "en"
}
```
```
{
  "accessToken": "<access-token>",
  "refreshToken": "<refresh-token>",
  "tokenType": "Bearer",
  "expiresIn": 3600,
  "beneficiaryId": "BNF-88213",
  "kycStatus": "APPROVED",
  "deviceBindingStatus": "BOUND"
}
```
Read the payroll beneficiary profile
GET /v1/c3pay/beneficiary/profile openbanking
Loads the worker's employer, payroll reference and identity state for the home header and profile screens.
Auth: OAuth 2.0 bearer token from Edenred SSO (username/password identification, offline_access refresh, scope erae-payrol-beneficiary-api, tenant ae); the APIM subscription key header is also required.
- beneficiaryId
- fullName
- employerName
- payrollReference
- emiratesId
- nationality
- dateOfBirth
- placeOfBirth
- kycStatus
- cardProgram
- salaryCurrency
```
GET /v1/c3pay/beneficiary/profile HTTP/1.1
Authorization: Bearer <access-token>
Accept: application/json
```
```
{
  "beneficiaryId": "BNF-88213",
  "fullName": "Anisur Rahman",
  "employerName": "Al Naboodah Contracting",
  "payrollReference": "PR-2026-10",
  "emiratesId": "784-1980-1234567-1",
  "nationality": "BD",
  "dateOfBirth": "1980-04-17",
  "placeOfBirth": "Dhaka",
  "kycStatus": "APPROVED",
  "cardProgram": "C3",
  "salaryCurrency": "AED"
}
```
List issued prepaid cards and balances
GET /v1/c3pay/cards openbanking
Returns each prepaid card issued to the beneficiary with live available and ledger balances, powering the black/blue card picker and card-management screen.
Auth: OAuth 2.0 bearer token from Edenred SSO (username/password identification, offline_access refresh, scope erae-payrol-beneficiary-api, tenant ae); the APIM subscription key header is also required.
- cardId
- maskedPan
- cardType
- designCode
- cardStatus
- availableBalance
- ledgerBalance
- currency
- expiryDate
- pinSet
```
GET /v1/c3pay/cards HTTP/1.1
Authorization: Bearer <access-token>
Accept: application/json
```
```
{
  "cards": [
    {
      "cardId": "CRD-4410-2291",
      "maskedPan": "5399 83** **** 4127",
      "cardType": "PREPAID_SALARY",
      "designCode": "BLACK",
      "cardStatus": "ACTIVE",
      "availableBalance": 1284.75,
      "ledgerBalance": 1314.75,
      "currency": "AED",
      "expiryDate": "2029-08-31",
      "pinSet": true
    }
  ]
}
```

Page card transaction history

GET /v1/c3pay/cards/{cardId}/transactions openbanking

Pages the card ledger with salary credits, purchases, ATM withdrawals and fees; the receipts screen expands one transaction into a shareable receipt.

Auth: OAuth 2.0 bearer token from Edenred SSO (username/password identification, offline_access refresh, scope erae-payrol-beneficiary-api, tenant ae); the APIM subscription key header is also required.

transactionId
postedAt
merchantName
merchantCategoryCode
transactionAmount
currency
transactionType
balanceAfter
receiptAvailable
declineReason

GET /v1/c3pay/cards/CRD-4410-2291/transactions?fromDate=2026-09-01&toDate=2026-10-25&limit=25&cursor=eyJvIjoyNX0 HTTP/1.1
Authorization: Bearer <access-token>
Accept: application/json

{
  "items": [
    {
      "transactionId": "TXN-9088712",
      "postedAt": "2026-10-24T09:12:44Z",
      "merchantName": "Carrefour Al Barsha",
      "merchantCategoryCode": "5411",
      "transactionAmount": -86.40,
      "currency": "AED",
      "transactionType": "PURCHASE",
      "balanceAfter": 1284.75,
      "receiptAvailable": true,
      "declineReason": null
    }
  ],
  "nextCursor": "eyJvIjo1MH0"
}

List saved remittance beneficiaries

GET /v1/c3pay/beneficiaries openbanking

Returns the saved money-transfer and mobile-recharge payees, each pinned to a corridor and payout method.

beneficiaryId
fullName
corridor
payoutMethod
bankName
iban
mobileWallet
relationship
verified
lastUsedAt

GET /v1/c3pay/beneficiaries?corridor=IN&payoutMethod=BANK HTTP/1.1
Authorization: Bearer <access-token>
Accept: application/json

{
  "beneficiaries": [
    {
      "beneficiaryId": "BEN-10293",
      "fullName": "Sunita Sharma",
      "corridor": "IN",
      "payoutMethod": "BANK",
      "bankName": "State Bank of India",
      "iban": "SBIN0001234",
      "mobileWallet": null,
      "relationship": "SPOUSE",
      "verified": true,
      "lastUsedAt": "2026-10-12T18:03:10Z"
    }
  ]
}

Price a remittance transfer
POST /v1/c3pay/transfers/quote openfinance
Prices an international transfer for the selected corridor and payee, returning the FX rate, fee and exact amount the family receives before confirmation.
Auth: OAuth 2.0 bearer token from Edenred SSO (username/password identification, offline_access refresh, scope erae-payrol-beneficiary-api, tenant ae); the APIM subscription key header is also required.
- quoteId
- corridor
- sendAmount
- sendCurrency
- fxRate
- feeAmount
- receiveAmount
- receiveCurrency
- payoutMethod
- promoCode
- quoteExpiresAt
```
POST /v1/c3pay/transfers/quote HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "corridor": "IN",
  "beneficiaryId": "BEN-10293",
  "sendAmount": 500.00,
  "sendCurrency": "AED",
  "payoutMethod": "BANK"
}
```
```
{
  "quoteId": "QTE-778120",
  "corridor": "IN",
  "sendAmount": 500.00,
  "sendCurrency": "AED",
  "fxRate": 22.611,
  "feeAmount": 4.50,
  "receiveAmount": 11260.55,
  "receiveCurrency": "INR",
  "payoutMethod": "BANK",
  "promoCode": null,
  "quoteExpiresAt": "2026-10-25T12:30:00Z"
}
```

Submit a remittance transfer

POST /v1/c3pay/transfers openfinance

Submits a confirmed quote for payout, returning the transfer reference and partner status shown on the confirmation screen.

transferId
quoteId
beneficiaryId
corridor
sendAmount
receiveAmount
fxRate
feeAmount
payoutPartner
purposeCode
status
reference
createdAt

POST /v1/c3pay/transfers HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "quoteId": "QTE-778120",
  "beneficiaryId": "BEN-10293",
  "purposeCode": "FAMILY_SUPPORT",
  "remittanceReference": "SALARY-OCT"
}

{
  "transferId": "TRF-5562019",
  "quoteId": "QTE-778120",
  "beneficiaryId": "BEN-10293",
  "corridor": "IN",
  "sendAmount": 500.00,
  "receiveAmount": 11260.55,
  "fxRate": 22.611,
  "feeAmount": 4.50,
  "payoutPartner": "AANI",
  "purposeCode": "FAMILY_SUPPORT",
  "status": "PROCESSING",
  "reference": "SALARY-OCT",
  "createdAt": "2026-10-25T11:58:02Z"
}

Pay a bill from the card balance

POST /v1/c3pay/bills/payments openfinance

Pays a utility or telecom bill from the card balance and returns the biller confirmation reference.

paymentId
billerId
billerName
serviceType
accountNumber
amount
feeAmount
paymentStatus
confirmationNumber
paidAt

POST /v1/c3pay/bills/payments HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "billerId": "DEWA-001",
  "accountNumber": "1029384756",
  "amount": 210.00,
  "currency": "AED"
}

{
  "paymentId": "BIL-3320912",
  "billerId": "DEWA-001",
  "billerName": "Dubai Electricity and Water Authority",
  "serviceType": "UTILITY",
  "accountNumber": "1029384756",
  "amount": 210.00,
  "feeAmount": 1.00,
  "paymentStatus": "COMPLETED",
  "confirmationNumber": "DEWA-882713",
  "paidAt": "2026-10-25T12:04:41Z"
}

Buy a mobile airtime recharge
POST /v1/c3pay/recharges openfinance
Buys mobile airtime for an Etisalat or du number, applying any operator bonus before debiting the card.
Auth: OAuth 2.0 bearer token from Edenred SSO (username/password identification, offline_access refresh, scope erae-payrol-beneficiary-api, tenant ae); the APIM subscription key header is also required.
- rechargeId
- operatorCode
- mobileNumber
- amount
- currency
- bonusAmount
- status
- completedAt
```
POST /v1/c3pay/recharges HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "operatorCode": "ETISALAT",
  "mobileNumber": "0501234567",
  "amount": 50.00,
  "currency": "AED"
}
```
```
{
  "rechargeId": "RCH-1190233",
  "operatorCode": "ETISALAT",
  "mobileNumber": "0501234567",
  "amount": 50.00,
  "currency": "AED",
  "bonusAmount": 5.00,
  "status": "COMPLETED",
  "completedAt": "2026-10-25T12:09:17Z"
}
```

Top up a Dubai NOL transit card

POST /v1/c3pay/nol/topups openfinance

Loads value onto a Dubai NOL transit card from the C3Pay balance and returns the card's new stored value.

topupId
nolCardNumber
cardNickname
topupAmount
previousBalance
newBalance
status
toppedUpAt

POST /v1/c3pay/nol/topups HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "nolCardNumber": "6438 2210 5517 9084",
  "cardNickname": "My NOL",
  "topupAmount": 100.00,
  "currency": "AED"
}

{
  "topupId": "NOL-4471210",
  "nolCardNumber": "6438 2210 5517 9084",
  "cardNickname": "My NOL",
  "topupAmount": 100.00,
  "previousBalance": 12.50,
  "newBalance": 112.50,
  "status": "COMPLETED",
  "toppedUpAt": "2026-10-25T12:14:55Z"
}

Submit KYC identity documents

POST /v1/c3pay/kyc/documents osint

Submits Emirates ID, passport and selfie captures from onboarding and returns the verification verdict shown before the card is activated.

documentType
documentNumber
issuingCountry
expiryDate
selfieLivenessScore
faceMatchScore
kycStatus
rejectionReason

POST /v1/c3pay/kyc/documents HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "documentType": "EMIRATES_ID",
  "documentNumber": "784-1980-1234567-1",
  "issuingCountry": "AE",
  "expiryDate": "2031-06-30",
  "selfieCaptureId": "SELF-99213"
}

{
  "documentType": "EMIRATES_ID",
  "documentNumber": "784-1980-1234567-1",
  "issuingCountry": "AE",
  "expiryDate": "2031-06-30",
  "selfieLivenessScore": 0.98,
  "faceMatchScore": 0.96,
  "kycStatus": "APPROVED",
  "rejectionReason": null
}

Check salary-advance eligibility
GET /v1/c3pay/salary-advance/eligibility openfinance
Checks RAKBank-backed salary-advance eligibility and how much of the earned wage can be drawn before payday.
Auth: OAuth 2.0 bearer token from Edenred SSO (username/password identification, offline_access refresh, scope erae-payrol-beneficiary-api, tenant ae); the APIM subscription key header is also required.
- eligible
- availableAmount
- accruedSalary
- maxAdvance
- feeAmount
- repaymentDate
- provider
- limitReached
```
GET /v1/c3pay/salary-advance/eligibility HTTP/1.1
Authorization: Bearer <access-token>
Accept: application/json
```
```
{
  "eligible": true,
  "availableAmount": 750.00,
  "accruedSalary": 2400.00,
  "maxAdvance": 1500.00,
  "feeAmount": 15.00,
  "repaymentDate": "2026-11-01",
  "provider": "RAKBANK",
  "limitReached": false
}
```

Where teams use this data

Remittance corridor benchmarking
Compare fxRate, feeAmount and receiveAmount across the India, Pakistan, Bangladesh, Nepal, Philippines and Sri Lanka corridors to see how payroll-linked transfers are priced for each diaspora.
Salary-continuity underwriting
Read SALARY_CREDIT entries with balanceAfter to confirm an employer pays on schedule, then size earned-wage advances against accruedSalary and repaymentDate.
Wallet-services attach analysis
Track billerId, operatorCode and nolCardNumber usage to see which services a workforce adopts once the salary card is in hand.

Frequently asked questions

What data does the C3Pay app expose?

Card balances and ledger entries, remittance quotes and transfers, saved beneficiaries, bill payments, mobile recharges, NOL transit top-ups, KYC outcomes and RAKBank salary-advance eligibility.

How is C3Pay access authenticated?

Workers sign in with employer-issued credentials through Edenred's single sign-on; the beneficiary-scoped bearer token then authorises card, transfer and wallet-service calls.

Which countries can receive C3Pay remittances?

The transfer screens cover India, Pakistan, Bangladesh, Nepal, the Philippines and Sri Lanka, each priced with its own FX rate, fee and payout partner.

Which salary currencies does C3Pay handle?

Wages and card balances are held in AED, while remittance quotes return the receiveCurrency of the destination corridor, such as INR, PKR, BDT, NPR, PHP or LKR.

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Western Union Send Money Now — Western Union in the UAE sends money online, in its app, or at branches operated through Alfardan Exchange to bank accounts, cash pickup, or mobile wallets in 200 countries and territories.
Remitly: Send Money & Transfer — Remitly is a digital remittance app that lists the United Arab Emirates among its sending countries and pays out to 175-plus destinations as a bank deposit, mobile wallet, or cash pickup.
Wise: International Transfers — Wise is an international money app that sends to more than 140 countries and offers a multi-currency account with receiving details in 22 currencies, including AED, plus a card for spending and ATM withdrawals.

More Payments apps

Topics

C3Pay API
Edenred UAE payroll card
prepaid card balance API
remittance FX rate API
salary advance eligibility API
NOL top-up API
UAE payroll card data

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C3Pay payroll card and wallet data

Screenshots

API surface

Open an authenticated session

Read the payroll beneficiary profile

List issued prepaid cards and balances

Page card transaction history

List saved remittance beneficiaries

Price a remittance transfer

Submit a remittance transfer

Pay a bill from the card balance

Buy a mobile airtime recharge

Top up a Dubai NOL transit card

Submit KYC identity documents

Check salary-advance eligibility

Data categories

Where teams use this data

Remittance corridor benchmarking

Salary-continuity underwriting

Wallet-services attach analysis

Frequently asked questions

Apps similar to C3Pay

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Topics

Need this app's data API integrated?

C3Pay payroll card and wallet data

Screenshots

API surface

Open an authenticated session

Read the payroll beneficiary profile

List issued prepaid cards and balances

Page card transaction history

List saved remittance beneficiaries

Price a remittance transfer

Submit a remittance transfer

Pay a bill from the card balance

Buy a mobile airtime recharge

Top up a Dubai NOL transit card

Submit KYC identity documents

Check salary-advance eligibility

Data categories

Where teams use this data

Remittance corridor benchmarking

Salary-continuity underwriting

Wallet-services attach analysis

Frequently asked questions

Related apps

Apps similar to C3Pay

More Payments apps

BharatPe for Business

BukuWarung Apps for MSMEs

Cartão Mais!

CashBook - Balance & Expense

Topics

Need this app's data API integrated?