CashU, what’s inside?

As we repeatedly said the target of every business is a consumer which means that companies invest heaps of funds into the promotion and advertisement campaigns so as to attract as many customers as possible. CashU is not an exception in the world of commerce. Each time we open “About us” section on a site of any company we can notice that the text is certainly optimistic and naturally impressive. The utterances used in the advertisement are usually not the style of common speech in reality; well a human was created to chase after the beauty, including beautiful language. CashU presents itself this way:

cashU has provided the region with a key solution for e-commerce. cashU is a payment platform that is built upon and encapsulates the most sophisticated and up to date fraud prevention systems, cashU reduces the risk of online payments and allows for wider, safer and faster consumer participation in e-commerce.

cashU provides merchants with a solution where they can sell their goods and services on the Net, including virtual products (like online game items) or services (such as SMS or ring tones) that require micro payments. Merchants pay no setup or installation fees - and integrating cashU is quick and simple.

We conducted several little tests with CashU, namely we looked round the company site, read everything what is readable there, opened an account and clicked on all the options in our new profile with CashU. Here is our experience.

Nothing waste

After the load of the main webpage of CashU we face a very simple but neat and nice appearance of the payment processor claimed to be one of the most popular with the Arabian customers. There is nothing odd or waste there. In the upper bar we see main menu and in the left column there is a log in space. The most pleasant design element we found there is a central screen where you can see a colorful animation of the service features. We liked the bubbles.[img_assist|nid=10670|title=|desc=|link=none|align=center|width=640|height=464]

Well, the navigation didn’t seem very complicated. In case you do not see the necessary option you can just look into the Site map. There is a tree of options out of which you select the one you need.

Before creating an account you can study the FAQ section and fees table, what is the most important as you certainly understand. Maybe it will be the latter that will dissuade you from a serious decision to partner with CashU or the contrary.

What about registration?

The registration procedure divides in several stages. First you fill in the form where you as usual disclose your name, country… Hey, stop, that was the case with some other company. Here is the procedure is somewhat different as everything is in the east. You just invent your username and type in your e-mail address, and then you specify a security question with an answer to it and accept terms and conditions by ticking the checkmark. At the end you should enter a Turing number and submit the form.
[img_assist|nid=10671|title=|desc=|link=none|align=center|width=640|height=508]
After the first stage is successfully passed you are advised of being sent a corresponding message to the e-mail box you provided. You open your e-mail inbox and find a letter that contains the following:

Hello and Welcome to cashU, 

We look forward to service you with the best online payment solution on the internet and hope we will live up to your expectations.

Your cashU Username is: login
Your Password is: ghg98klf09

Now all you have to do is visit http://www.cashu.com and login using the Username and Password above.

On login your cashU Payment account will be instantly activated and you will be asked to fill in your profile details.
We also suggest you change your password. 
If you need any further information please refer to our FAQs, or contact us at  

-Always ensure that you are on http://www.cashu.com before entering your Username and Password
-Keep your Password in a safe place and never give it out to anyone!
-Please always send your questions or problems to

Account Number:

0000 0000 0000 0000

As you can see the message contains the username you invented upon registration and the password generated for you by the system. Using them you log into your account and follow to the second stage. By the way the system automatically assigns you an account number like that in the end of the e-mail.

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On the second stage of registration you fill in another form where you need to specify your true name, address, date of birth and at least one telephone number. Besides, you select the language of the system interface that is more convenient for you. Unfortunately by the moment there are only two options: English and Arabian. Perhaps, some time later there will be more.

You submit the above form and your registration is complete. Further you can change your password what we did since the one generated by the system was hard to remember. When you change the password the system prompts if it is weak or strong. Well the one we chose was found mediocre as in the picture below. Seems you had better choose some combination like the one included into their e-mail.
[img_assist|nid=10673|title=|desc=|link=none|align=center|width=640|height=485]
We would like to draw your attention to the bottom line of the account page. Here in the profile of a user we see one more partner of CashU system – HSBC. This is a noteworthy fact inasmuch this bank is a very respectable one in the world.

What’s with the account?

So, what shall we do with the… eh… CashU account (an old song comes to mind)? We have several methods to load money, besides, we can transfer money to other CashU members as well as non-members and, of course, the main feature is shopping with CashU on the Internet.

Before we start describing funding and sending procedures we should note that there are two account types provided by the system, though one of them is currently unavailable on the score of its being on the development stage so far. Thus in the FAQ we read:

cashU offers you the following two options: 

A free cashU Payment Account: With the Payment Account, you are able to instantly add funds to it in order to purchases from all our cashU merchants, instantly transfer money to any user with an email address, view online statements and withdraw money from your cashU account. 

A cashU Black Debit Card Account: This account has all the cashU Payment Account features but with soon to be released added functionality!

How soon it will be released is to be seen. But this promise remembers the similar idea in the company press release where it announced about its partnership with WebMoney. By the way after logging into your CashU account you are surely to see the frame in the center of the page where CashU says that now it is possible to fund WebMoney accounts using CashU. Just how it is possible we have already clarified in the previous article.

Well, let us pass on to discussing the account features. So, we have four options for funding our CashU account: cashU Refill Coupon (E-paid card or prepaid card), UAE Exchange deposit, bank transfer and Ukash voucher.

[img_assist|nid=10674|title=|desc=|link=none|align=left|width=640|height=415]The Refill Coupons are denominated in US Dollars but come with different stored values (USD 10, 30, 50, 100 and 300). The Refill Coupons are bought from a local cashU reseller that can be found via “Find CashU” option.

The Refill Coupon has a security code that you should enter into the corresponding field in the account after you selected “Add funds” option.[img_assist|nid=10675|title=|desc=|link=none|align=right|width=100|height=69]

CashU Refill Coupons are of two types:

• E-paid card:

On the E-paid card, the coupon no. is found under the grey scratch area on the card image.[img_assist|nid=10676|title=|desc=|link=none|align=right|width=100|height=69]

• Prepaid card:

On the Prepaid card, the coupon no. is found under the grey scratch area on the back of the card.

If you want to top up your account via UAE Exchange you need to bring your cashU account number and the amount you want to add to your cashU account to any UAE Exchange office in the UAE and you can make a direct deposit to your cashU account.

You can transfer money from your bank account directly to your cashU account or make a cash deposit at a bank branch. However this feature is only available in certain countries.[img_assist|nid=10677|title=|desc=|link=none|align=right|width=640|height=555]

And the last is Ukash voucher. If you choose this option you are required to specify:

Ukash Voucher Number
Original Voucher Amount
USD amount to add

Now you can submit your payment.

The money transfer procedure is widely covered in the FAQ section. So, if you want to learn more you can visit the site yourselves. Other functions we want to mention are issue of CashU E-paid cards and purchase of Amazon.com Gift Certificates.[img_assist|nid=10679|title=|desc=|link=none|align=right|width=511|height=640]

CashU will send an E-paid Card to the email address you specify. You enter E-paid card value in USD and your recipient’s address. CashU E-Paid cards are electronic versions of cashU Prepaid Cards.

When selecting the option “To purchase Amazon.com certificate” you need to enter the amount in USD of the Amazon Gift Certificate and submit the request.

Amazon.com gift certificates are a safe and simple way to pay on amazon.com. The certificates can only be purchased in multiples of USD 5 with a maximum value of USD 500.

The last aspect to mention is a security factor. CashU explains its security policy this way:

At cashU, we take the security of your account very seriously. We upgrade our online security on a continuous basis to ensure that our customers are always protected.

Our latest security policy requires you to update your password every three months, failing which your password will expire, unless you update your password in that period.

If your password has expired, please check your email entered in your cashU profile. A new temporary password will be sent to your email address. Login to cashU.com, enter the temporary password issued, and enter a new password that you would like to create.[img_assist|nid=10678|title=|desc=|link=none|align=right|width=640|height=436]

Then this paragraph is followed by the security tips on how to protect yourselves when you log into your member area or make transactions via CashU account. That was all we found about security. No record of any secure socket certificate or something in the nature was found, though in the upper bar of the browser we always saw a lock pad when we ‘traveled’ within our CashU profile. If you click on the lock sign you will learn that the connection is encrypted with TSL v1.0 256 bit AES (1024 bit DHE_RSA/SHA) protocol issued by Thawte Premium Server CA, Thawte Consulting cc.

In the end…

In the end we would like to make a brief conclusion on our impressions with CashU payment services. Well, certainly, the payment experience itself is yet to occur in the future, however our practical test though elementary allows us to point to some positive and negative aspects we found at CashU.

Positive feature is that CashU eliminates any necessity to use your credit cards when shopping online thus protecting your sensitive financial data from being compromised. Besides, with CashU you can purchase using any currency accepted by the merchant but the transaction will always be denominated in USD.

Negative ones are those that the system supports only two languages that may prevent customers in those countries that are included in to the list of CashU from creating their accounts with CashU. Besides, that odd and obscure situation with WebMoney is also not crediting to the company prestige.

As regards all other things it is up to customers directly practicing CashU transactions in an everyday life.