F&B runs on thin margins, daily card settlements and a large, often unbanked, workforce. The stack below is assembled from our catalogue: payments that work at the table, payroll that is WPS-compliant out of the box, and accounting that handles 5% VAT on every transaction.
In-person payments first: POS, softPOS and QR pay-at-table. Card-present rates and settlement speed matter more than online features.
Restaurant POS with integrated payment acceptance — order, pay and receipt on one device, daily settlements; UAE payments run through Network International.
UAE acceptance delivered with Network International per provider disclosure, Oct 2026; rates quoted per merchant.
Pay-at-table QR payments and ordering for hospitality — diners scan, split and pay in seconds without an app; CBUAE RPS in-principle approval (Aug 2026).
In-principle approval announced Aug 2026 — full licence not yet issued; verify current status.
No-code payment acceptance for UAE SMBs — payment links, invoices and Tap to Pay on iPhone/Android without a terminal. Acts as merchant of record via licensed processing partners.
Model and availability per provider documentation, Oct 2026; per-transaction rates published on the provider site.
WPS-compliant payroll with salary cards for staff without bank accounts — the single biggest compliance risk in F&B.
All-in-one HR, payroll and benefits — employee records, leave, health insurance and WPS-compliant payroll in one UAE-built platform.
Quoted per-employee pricing — bundles vary by module and headcount.
WPS payroll inside the botim money business super-app — digital salary disbursement paired with a business wallet, for merchants already on the platform.
Payroll runs through botim’s licensed wallet rails — confirm WPS agent coverage for your MOHRE establishment.
Payroll accounts and cards for workers without bank accounts — employers run WPS-compliant salary disbursement to cards staff can use at ATMs and in shops.
Worker accounts are issued with a regulated banking partner — confirm current partner bank and card coverage.
VAT returns filed quarterly; look for POS integrations and Arabic/F&B-aware bookkeepers.
UAE-built accounting software with a native Arabic interface — VAT-compliant invoicing, reports and an accredited e-invoicing module in one subscription.
Plan prices per Wafeq published pricing, Oct 2026 (monthly billing).
Subscription accounting that replaces an in-house bookkeeper — bookkeeping, VAT, corporate tax and payroll in fixed monthly packages, with a Russian-speaking team.
Package prices per sol.online published pricing, Oct 2026 — final quote depends on transaction volume and scope.
B2B invoices to hotels, supermarkets and caterers fall under the MoF mandate — phase 2 applies to most F&B suppliers from July 2027.
All-in-one UAE accounting software that is itself an accredited ASP — books, VAT and e-invoicing in one subscription, with a native Arabic interface.
Plan prices per Wafeq published pricing, Oct 2026 (monthly billing). E-invoicing availability depends on plan tier — confirm with Wafeq.
The accounting suite many UAE SMEs already run, with the accredited e-invoicing add-on on top — keeps one ledger for books and compliance.
E-invoicing add-on pricing per Zoho Books AE pricing page, Oct 2026; base subscription priced separately by plan.
Invoice and revenue-based financing smooths Ramadan/holiday demand spikes and bulk inventory purchases.
ADGM-licensed SME lender: revenue-based financing where repayments track monthly sales — soft approvals in 24–48 hours, no collateral or personal guarantees required per provider.
Revenue-based financing: repayments are an agreed percentage of monthly sales, not fixed instalments; typically no collateral or personal guarantees. Facility terms quoted per application. Per crediblex.io, verified Oct 2026.
Term loan inside the Wio Business app: up to AED 3 million over 6–36 months with published rates from about 9% p.a., plus a revolving line of credit up to AED 250,000. Fully digital for Wio Business customers.
Published terms: up to AED 3,000,000 over 6/12/24/36 months, rates from about 9% p.a.; line of credit up to AED 250,000. Final approval and pricing rest with the bank. Per wio.io, Oct 2026.
Usually both in one product. Modern UAE providers bundle a card-present terminal or softPOS app with the gateway behind it — compare card-present rates and settlement speed, not just online MDR.
Use a WPS-compliant payroll provider that issues prepaid salary cards. The WPS file goes to MOHRE as normal; staff withdraw cash or spend from the card — no bank account needed.
The mandate targets structured B2B invoices — your sales to hotels, supermarkets and catering clients count. Consumer till receipts are not in scope yet, but verify against the MoF phase that covers your turnover.
Invoice financing and revenue-based products match F&B cycles better than fixed bank loans: repayments flex with card turnover and approval is measured in days, not weeks.
