About
NEO, also marketed as NEO Pay Iraq, is a prepaid card and app run by International Network for Cards and Digital Payment Services Ltd (INC Iraq) of Baghdad, which holds licence No. 7 from the Central Bank of Iraq. Users open a virtual card in the NEO app, top it up at NEO agents, and spend online in Iraq and abroad, at shop terminals or at ATMs. Its Visa-branded range covers Classic, Platinum and 964 cards in virtual and plastic form. NEO launched in October 2019 with Lebanese card-issuing fintech NymCard as technology partner, and processed US$509 million in 2024, with 212,000 active cardholders at year-end.
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