Delta communications is the main agent for NEO & YBS(DAFA)

Delta Communications & Electronic Payment Company is an Iraqi company specialized in digital financial services and electronic payment solutions. It was established in 2022 with the goal of providing modern financial and technological services that keep pace with digital development and support the transition toward a digital economy in Iraq.

Delta works to provide an integrated ecosystem of digital solutions, including electronic payment services, card issuance requests, and electronic top-up. Through a wide network of branches and authorized agents across the various Iraqi governorates, Delta seeks to deliver secure and reliable financial services, enhance access to digital services, and support financial inclusion.

Easy to UseManage your cards easily from anywhere.
Global AcceptanceUse your card at millions of stores worldwide.
24/7 SupportA support team ready to serve you around the clock.
Advanced SecurityAdvanced protection for your data and transactions.
Our Services

Our Services

Delta offers an integrated set of digital financial solutions built on the latest technologies to meet the needs of different sectors, including:

Electronic Payment Solutions

Providing secure and efficient electronic payment systems that enable financial transactions to be carried out easily and quickly through modern payment channels through our partners YBS(DAFA) & NEO.

Issuing Prepaid Co-Branded Cards

Delta acts as the agent for prepaid and co-branded card requests. Card issuing happens through our partners YBS(DAFA) & NEO, in accordance with security and quality standards.

Electronic Top-Up Services

Providing balance top-up and digital wallet solutions, enabling agents and customers to easily access electronic services through our partners YBS(DAFA) & NEO.

Agent Network Management

Developing and managing a wide network of authorized agents to ensure the reach of digital financial services across the various regions of Iraq through our partners YBS(DAFA) & NEO.

Government Payment Services

Providing electronic solutions to collect government payments and facilitate financial procedures for public institutions and entities through our partners YBS(DAFA) & NEO.

Our Projects

Our Projects

Electronic Payment Project for Gas Plant Services

Delta operates an electronic payment system for gas plant services in a number of Iraqi governorates through a network of authorized agents, aiming to facilitate electronic collection operations and support governmental and private gas distribution companies through our partners YBS(DAFA) & NEO.

Neo Super Account Project

Delta manages the main account (Super Account) for Neo, with the aim of organizing and managing electronic balances and supporting deposit operations for Neo's sub-agents. The project includes:

  • Providing the necessary electronic balances on a continuous basis.
  • Funding the accounts of sub-agents.
  • Managing the movement of balances between the main account and the sub-accounts.
  • Ensuring continuity of services and speed of executing financial operations.

The project contributes to improving the efficiency of electronic balance management and providing an effective central point for managing agent operations through our partner Neo.

Key Advantages

Key Advantages of Neo Cards

Multiple card options

Choose the card that suits your needs, including the free virtual card, the local 964 card, and the Classic and Platinum cards.

Multi-currency payments

Although your account is managed in Iraqi dinars, you can make purchases in foreign currencies such as the US dollar, euro, and Turkish lira according to the approved exchange rate.

Premium travel benefits

The Platinum card provides access to VIP lounges at selected airports worldwide, in addition to medical assistance services while traveling.

Free international eSIM data

New customers receive a free 3 GB eSIM data package, valid for use in more than 150 countries.

Exclusive discounts

Enjoy special offers and discounts on global services and digital advertising platforms, including Google, Meta, and LinkedIn ads.

Full management through the app

You can issue your card, transfer money between cards, change your PIN, and easily manage your cards directly through the Neo app.

Find Us

Our Branches

Hover a city on the map to see its name. Click a point to view branch details and phone numbers.

Select a branch on the map to view its address and phone number.