DhiraaguPay - Lifestyle

Convenient, Reliable and Secure

Activate DhiraaguPay eWallet and enjoy numerous discounts and benefits right away.

Key Benefits

Protect your money

eWallet comes with highest security for peace of mind

Seamless transactions

Contactless and fastest digital transactions with payments in just a few clicks

Accessibility

Easily access to eWallet anywhere, any time

End-to-end encryption

Ensures that your money is stored safely in a digital form

Amazing offers

Exclusive discounts and cashback offers only for DhiraaguPay customers

Key Features

Your wallet is a great and convenient way to do the following:

Pay your bills 24/7

Make reloads 24/7

Make online payments in just few clicks

Send money to any local number

Pay your shopping bills via QR codes and NFC cards and no phone needed at our POS terminals

eWallets for you

Get yourself the right eWallet.

BASIC

Limit 1 eWallet

Can hold up to a maximum of MVR 5,000

PREMIUM

Limit 2 eWallet

Can hold up to a maximum of MVR 20,000

For Limit 1 eWallet (Self registration wallet for Dhiraagu customers)
Download the app from App Store or Google Play Store or simply dial *777#
Register using your number and set PIN
Upload NID (with at least 14 days validity from expiry) via app or send to KYC@Dhiraagu.com.mv
Start using by adding cash into the eWallet via the cash-in portal
For Limit 2 eWallet (Dhiraagu customers, expats, and other local network customers)
Fill DhiraaguPay application form
Submit to CSC/ROC/ with the supporting documents required (Noted in the form)
Customer gets SMS notification after the registration process is completed by DHR
Download DhiraaguPay App
Set a PIN and start using by adding cash into eWallet via the cash-in portal
NFC cards & stickers
eWallet holder can link up to 3 personalized NFC cards. Each card can be assigned with a name and set limits separately. Customers will get real-time notifications when cards are being used.

How to Apply & Use a Personalized NFC Debit Card
To apply for Dhiraagu Pay NFC cards:
Download & fill the application form
Set a limit for each card and a name for each card
Link up to 3 cards to each DhiraaguPay Wallet
Visit one of our Customer Service Centers and submit the application

Setting up your NFC card
Everyday transactions made easier with DhiraaguPay NFC Cards.
Just Tap & enter your PIN on DhiraaguPay POS Terminals and get real-time payment notification
Cash-In Options
1. Direct cash-in via CBM Account
Registration for the service
CMB customers can follow the steps below to register for direct cash in:
Log in to CBM Online Banking and go to Payments & Settlements, Bill Payments
Select payment category for “Mobile eWallet”, and service provider as “DhiraaguPay eWallet”
Fill in the mobile number, NIC number and billing name
Upon completion of these steps, CBM customers can directly transfer e-money to DhiraaguPay eWallet from their respective active CBM bank card
Steps to top up the DhiraaguPay eWallet
Select 'Mobile eWallet' under 'Payments & Settlements'
Select the Bank Account number and fill the other details
Fill in the payment amount and click submit to complete the DhiraaguPay eWallet top-up
An SMS will be delivered to your phone confirming the cash-in transaction
cash in
2. Bank Card
Enter your DhiraaguPay number and reconfirm
Enter the amount you want to cash in
Proceed to your preferred payment gateway
Enter your card details and complete the cash in process.
An SMS will be delivered to your phone confirming the cash-in transaction
cash in
3. Bank Transfer
Cash in procedure for customers
Customers can only request through the "cash in portal" to submit bank transfer receipts. You can access the" cash in portal" via Dhiraagu website and DhiraaguPay app
Customer needs to visit Dhiraagu website/DhiraaguPay app and fill in customer information on the dedicated Cash-in portal: 1-Full Name, 2-DhiraaguPay registered number, 3-Amount for Cash-in (Note: Once the customer enters the above details, we will check if you have reached your daily rates and daily wallet limits. Upon successful verification, you will be asked to transfer money)
Transfer the cash-in amount to the dedicated Dhiraagu BML bank account and upload the receipt to the portal and key in the transaction reference number displayed on the receipt provided by the bank
In the case where the bank transfer amount exceeds the current limit of the wallet, the full amount will be reimbursed within 2 (two) business days
cash in
4. Agents
Agents Tab
Agents will provide Cash-In and Cash-out service to customers
Cash out charges will apply as per the schedule
Agents will also provide other services to pay bills and reload

Value Range in (MVR)
Service Charge (MVR)
Cash In
1.00 - wallet limit
Free
Cash Out
0
50
51
100
101
250
251
500
501
1,000
1,001
3,000
3,001
5,000
1
2
4
5
10
25
40
Transfer to Wallet (P2P- send money)
Min 1
Free
Transfer to Unregistered Customers
10 – 2,000
Cash out charges
Merchant Payments Options
QR Codes: Open you DhiraaguPay eWallet > Merchant Payment > Simply Scan QR Code> Enter Bill Amount & Proceed > SMS receipt will be received / can view transaction receipt on app immediately and from history
POS Terminals: Simply key in your wallet number > wallet passcode (4 digit) > payment completed > SMS will be received OR you can simply tap your DhiraaguPay NFC card and enter passcode of wallet (link to register NFC Card)
Online Payment: Upon checkout, click DhiraaguPay payment option> enter your wallet number > OTP will be sent to your phone via SMS> Key in OTP on the web slot> payment gets executed and user gets SMS receipt / e-receipt
USSD Menu (For Dhiraagu customer): Dial to *777#> enter merchant ID> amount

DhiraaguPay Agents

ibay

Gnaviyani, Fuvamulah

FI ES SYSTEMS PVT LTD

Kaafu, Male'

Payer

Kaafu, Male'

Fahi pay

Raa, Alifushi

Faseyha Recharge

Haa Dhaal, Kurinbi

DhiraaguPay Merchants

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