Aani Faqs

AANI is one of Al Etihad Payments (AEP) flagship platform—an instant payment system that allows users to send and receive money in real time, 24/7, using QR Code / mobile number / email ID. It simplifies digital transactions and enhances the speed and convenience of money transfers locally between individuals and businesses.

Any UAE resident with a valid Emirates ID, a UAE-registered mobile number, and an account with a participating licensed financial institution like Al Fardan Exchange can use AANI services.

Yes. AANI is regulated by the Central Bank of UAE (CBUAE) and managed by Al Etihad Payments (AEP) uses advanced security protocols to ensure safe and real-time transactions.

Customers must have an active Al Fardan Exchange account, with valid KYC, and a UAE-registered mobile number. During the registration process, they will need to enrol for AANI services and provide their consent to link their Al Fardan account by accepting the terms and conditions.

During customer onboarding and Know Your Customer (KYC) registration, the registered mobile number is mapped to the customer’s Al Fardan account and enrolled into the AANI directory, making it possible to send and receive money via registered mobile number.

The system will show an error message indicating the failure reason (e.g., invalid ID, number already registered elsewhere). The customer may be prompted to try again or contact us on 600522265 or email on help@alfapay.com.

Customer can send money by visiting any Al Fardan exchange branch for retail branch. If a customer wants to send money via digital channels using AANI, then the customer should be registered on AlfaPay and can select the AANI option, enters the recipient’s mobile number (registered with AANI), the amount, and confirms the transaction using OTP or biometric verification.

The daily limit for send/receive money option is AED 5,000, whereas the monthly limit is AED 50,000.

Yes, AANI operates in real-time and is available 24/7, including weekends and holidays.

Currently, there are no customer-facing fees for sending money using AANI through Al Fardan Exchange.

Failed transactions typically occur due to incorrect mobile numbers, exceeding limits, or recipient unavailability. The sender will receive a real-time error notification, and no funds will be deducted.

Request to Pay (RtP) allows a customer (Payee) to request money from another AANI-registered user. The recipient (Payer) receives a notification through AANI (AANI App or AlfaPay application) and can approve or reject the request directly in their application. For Al Fardan exchange this feature is enabled only for TravelEz customer. There two modes of payments “Request to Pay” outgoing and “Request to Pay” incoming.

From the AlfaPay App, the customer selects "Request to Pay" and enters the payer’s mobile number, amount, and reason of payment, and sends the request. The payer will be notified instantly.

Customer will receive the notification on AlfaPay App, from the “Payer” wherein the customer can go to the “Request to Pay” incoming section and accept or reject the payment instructions.

Yes, the payer receives an in-app notification or push message immediately after the request is made.

The request remains pending for a predefined time (7 days) before it expires automatically.

Customers can navigate under “AANI payments” where they can view Pending payments section within the AlfaPay App to see all outstanding payment requests.

Yes, the payer can reject the request, and the requestor can also cancel it before approval.

No. Expired requests are removed automatically, and no funds are deducted or held.

A static QR code is a fixed code generated on the AlfaPay App by a Al Fardan exchange customer to receive payments. It contains account or mobile number information linked to AANI, but the payer must manually enter the payment amount.

Yes. Customers can generate and share their own static QR code within the app under the AANI section for easy payment requests.

The payer scans the QR code through the app, enters the amount, and authorizes the transaction. The payment is processed in real time.

Yes, PAYEZ customers can use AANI services for sending money to any AANI participants/institutions.

Yes. Consent is recorded digitally during the registration process and is a regulatory requirement for AANI enrolment.

customercare@alfardanexchange.com, available 24/7. You can also write to  fraud.reporting@alfardanexchange.com (Available from 08:00 am to 12:00 pm )

Yes, You may please visit the AANI website https://aep.ae/en/services/aani/ to understand more about AANI and the page https://aep.ae/en/terms-and-conditions/ to understand the terms and conditions.