Payment Solutions

Pay your utility bills quickly and easily

Enjoy a seamless payment experience with our wide range of payment solutions like bill payments, credit card payments, air ticket payments, international mobile top-ups, VAT, investment and saving schemes to enhance your money exchange experience. Explore our payment solutions today to save time and money.

Payroll Solutions

Beyond Money, Joyalukkas Exchange Free Services

SEWA Utility Services

Our fast and secure payment network makes it easy to pay your water and electricity utility bills. Simply visit any of our conveniently located branches to pay your utility bills quickly and easily.

We accept a variety of payment methods, including Cash, Cheque, and Account Transfer, so you can choose the one that's most convenient for you.

Earn Rewards

Credit Card Payment

Easily manage your domestic credit card payments from our branches. Simply visit our branch and pay your card monthly installment.

Mobile Top Up

Effortlessly and conveniently conduct international mobile top-ups and bill payments through our reliable partner at any of our conveniently located branches.


We make it easy for our customers to stay connected with their loved ones worldwide. We have partnered with over 190 mobile carriers across Asia Pacific, Africa, the Caribbean, Latin America, and Eastern Europe, and we continuously add new operators. Whether you're in India, Pakistan, Bangladesh, Sri Lanka, the Philippines, or Indonesia, you can benefit from our services to keep in touch with family and friends back home.


Paykii provides an easy and convenient way to connect with billers all around the world. With our platform, you can access both domestic and international bill payments in one place. Say goodbye to the hassle of dealing with multiple payment systems and enjoy the simplicity of managing your bills through Paykii.

Conveniently top up or recharge your mobile services at any of our branches today.


Now, you can easily recharge or pay Etisalat bills for the following Etisalat services at any of our branches:

Top Up

Find the Best Flight Deals & Airline Deals

Experience stress-free booking with Air Arabia through our branches. Our expert staff will assist you in completing your ticket payment.

Our expert staff will assist you throughout the process, completing your payment. We accept multiple payment methods, including cash, credit, and debit cards. Why wait? Book now and enjoy a seamless experience.

Convenient Payment Solutions for Ancillary Services

We understand the importance of financial planning and security for our customers, as they are the cornerstones to helping secure your future. By putting some of your hard-earned money into highly rewarding investment & saving schemes, you can offer high-return investment.

For customers in the Philippines, we accept various investment plans such as SSS, PAG-IBIG, and PHILHEALTH. 

And that's not all! We also provide a hassle-free process for opening PAN cards.

The One-Stop Remittance Solution for Everyone

Pay your Etisalat bills conveniently at any of our branches. With the growing popularity of e-commerce payment systems, online shopping and banking have become more prevalent. Simplify your bill payments with our accessible services.

Other Services

Payment Solutions

Payment Solutions

We provide secure and efficient payment solutions, simplifying transactions and enhancing your financial experience.
Forex Converter

Forex Converter

Get the best with our user-friendly forex converter, facilitating easy currency conversion and real-time exchange rate updates.


Joyalukkas Exchanges rewards loyal customers with exclusive benefits, discounts, and special offers through their loyalty program.
Payroll Solutions

Payroll Solutions

We streamline payroll processes, providing comprehensive solutions for seamless employee compensation management.