^{Merchant Services} Value Added Services

Dynamic Currency Conversion (DCC) is a value-added service that enables merchants to offer VISA and MasterCard members the ability to pay for goods or services in their own currency. Using this option, cardholders have a higher comfort level and better understanding of the value of the purchase. We offer this service to merchants with a potentially higher international customer footfall.

• Reduced risk of call-backs, charge-backs and disputes
• More than 105 currencies to choose from
• PCI-compliant
• Enhanced customer service
• Price transparency
• Dedicated resource

• Pay in a familiar currency
• Payment appears on customer’s statement
• Competitive exchange rate
• Enhanced customer service, ideal for business travellers who compile expenses

Merchant Benefits

• Ability to drive more traffic
• Increased chances of high-ticket item purchase
• Enhanced customer convenience boosts competitiveness

• Guaranteed IPP approval at the PoS terminal
• No call centre waiting time
• Opportunity to up-sell

ADCB Debit or Credit Card, and also when you save, finance and invest with us. You'll also get points for online banking, bill-payment and many other interactions. TouchPoints can be redeemed instantly at ADCB Point of Sale machines to purchase desired products, thereby increasing your business.

As a valued partner, we bring you access to

• More than 1.4 million ADCB cardholders
• More than 100,000 high-net worth customers.
• The fastest-growing cardholder base in terms of spend
• An elite base of high-net worth card members with over five million card transactions per month

ADCB Islamic Banking offers a dedicated relationship management and product specialist service team specialized in understanding clients requirements

• A dedicated client service manager (CSM), to manage your operational interactions, with value-added advice to offer for addressing payments, collections and reconciliation queries, supported by state-of-the-art diagnostic, query management and reporting tools
• Fast turnaround times on every interaction
• A dedicated team of specialists

ADCB’s Corporate & Investment Banking Group offers a wide array of financial products to small and medium enterprises, covering transaction accounts, trade finance and financing products. We also offer a range of lending products to choose from:

• VAT in a Box SAP Business One ERP for ADCB business clients
• Education packages
• Insurance deals
• Accounting / Audit consultancy

ADCB’s Corporate & Investment Banking Group offers integrated cash management, trade finance, cards and bespoke client management services to government, public sector, financial institutions, large corporate houses and commercial entities in the UAE. We meet our clients' working capital requirements and provide a suite of Shari’ah-compliant banking solutions. Channels

• • Internet banking
• • Host-to-host connectivity
• • Works in UAE, India, and Jersey
• • Extensive coverage

• Account Opening
• Reports
• Advisory Services
• Reconciliation

• Import LCs
• Standbys, Guarantees
• Structured transactions
• Import financing
• Accounts receivable financing

• Short/term MM placements
• High yield deposits
• Structured Deposits

• Dedicated Client Service Manager
• Client Integration
• Consolidated real-time account dashboard
• Reconciliation support

• Balance Statements
• Multi Bank Reporting
• Reconciliation
• Sweeping

• Domestic/ International
• Multi Currency
• Supplier Payments
• Dividend Payments
• Payroll Processing
• Utility Bills Payments

• Domestic/International
• Cheques/DD/TT /Cash/SCDM
• Payment Gateway
• POS
• Remote Cheque Clearing
• Post Dated Cheques
• Direct Debits