Choose a UAE payment gateway by channel, eligibility, total quoted cost and when funds reach your bank. Compare published prices within their volume tiers, then check contractual minimums and exclusions. An advertised zero subscription is not automatically a zero monthly cost.
Catalogue updated
Stripe UAE Stripe The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology
Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology
Best-in-class APIs, docs and plugins (Shopify, WooCommerce). Flat pricing, no monthly fee — but settlement is slower and approval for brand-new UAE entities can be picky.
2.9% + AED 1 for UAE-issued cards; +1% for international cards. Per Stripe AE pricing, Sep 2026.
SME-focused acceptance: online checkout, payment links and POS terminals under a CBUAE Retail Payment Services licence. Rates auto-improve with volume.
Paymob’s published Standard online pricing is 2.9% + AED 1 per transaction, with weekly bank settlement and no monthly subscription advertised. Separately, merchant terms clause 4.5 says Paymob may impose AED 110 per month when monthly volume is below AED 10,000. Confirm the applicable product and signed agreement; neither a universal zero monthly cost nor an automatic AED 110 charge is established for every merchant.
Fastest way to get paid in the UAE with zero code: links, QR, Tap to Pay. No monthly fee — you pay per transaction only.
2.6% + AED 1 to receive via links/QR/NFC/Tap to Pay; +1.5% for non-AED currency or international cards. Sending to Ziina Business accounts is free. Fees include 5% VAT on the fee only. Per Ziina help centre + KFS, verified Oct 2026.
Global acquirer for enterprise and high-volume merchants: local acquiring, strong auth optimisation and granular data — pricing is negotiated per merchant.
No public rate card for the UAE — acquiring fees are quoted per merchant based on volume and card mix.
Former PayFort — one of the largest MENA PSPs: cards, installments, payment links and local methods with deep regional bank integrations.
Pricing is plan-based/custom and not publicly listed; PayTabs announced acquisition of APS MENA in 2026 — confirm contracting entity.
Local UAE acquirer with strong SME track record — among the lowest local-card rates on a modest monthly plan.
Bands by monthly volume: AED 0–9,999 → AED 249/mo at 0%; AED 10,000–24,999 → AED 199/mo at 2.45% + AED 1; AED 25,000–49,999 → AED 99/mo at 2.35% + AED 0.50; AED 50,000+ → AED 0/mo at 2.25% + AED 0.50. Per telr.com/pricing, verified Oct 2026.
Payment links + gateway + payouts + corporate cards in one SME platform. Growth plan has no monthly fee.
Growth plan: AED 0/mo, 2.9% + AED 1 for UAE cards; spend on Mamo Card can cut the rate to 1.9% + AED 0.80. Per Mamo pricing, Sep 2026.
FAB’s payments arm — online acquiring, POS terminals and government-sector acceptance, backed by the UAE’s largest bank.
No public rate card — acquiring and POS fees are quoted per merchant.
MENA payment orchestrator — Flexi entry plan with no monthly fee; rates improve meaningfully with merchant history.
1.75% + AED 1 is the established-merchant floor; new merchants typically see ~2.85–2.9% + AED 1. Paid tiers to ~AED 180/mo lower the rate. Sep 2026.
Smart POS terminals and omnichannel acceptance for retail, F&B and hospitality; entered the UAE via a partnership with Magnati.
No public UAE rate card — terminal and transaction fees are quoted per merchant.
GCC gateway with simple flat pricing — good middle ground between local acquirers and global APIs.
Flat ~2.49–2.75% for local cards, no monthly fee on the basic plan. Sep 2026.
The UAE’s largest acquirer — best negotiated rates and enterprise-grade processing, but onboarding is slower and geared to established businesses.
Rates are custom-quoted (~1.5–3.5% observed range) plus monthly/terminal fees. Best economics at real volume.
Regional gateway with a UAE operation — hosted checkout, payment links, tokenisation and HyperTap softPOS for in-person acceptance.
Licensing per provider-published material, Oct 2026; confirm UAE acquiring and pricing for your merchant category.
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.
CBUAE-licensed (SVF + RPS) merchant payments from Astra Tech — gateway, paylinks, corporate wallet with vIBAN and cash deposits at 7,000+ UAE kiosks.
Published rates per botim.money pricing, Oct 2026; SVF/RPS licensing per Astra Tech merchant terms.
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.
Long-running gateway with a dedicated UAE site and published AED pricing — cards, Mashreq net-banking, invoicing and social-commerce tools.
Starter-plan pricing per ccavenue.ae registration page, Oct 2026; custom quotes available at volume.
UAE payment gateway focused on no-POS QR acceptance and payment links — CBUAE in-principle approval for a Category III RPS licence (Sept 2026).
In-principle approval announced Sept 2026 — full licence not yet issued; verify current status before onboarding.
Dubai social-commerce app — sell and get paid over WhatsApp and chat with payment links, orders and invoicing in one place.
Product per provider site, Oct 2026; processing runs through licensed payment partners.
Dubai-built all-in-one payments and working-capital platform for SMEs — payment links, QR and cards with settlements as fast as 2 hours on higher tiers.
Features and settlement windows per provider docs, Oct 2026; no subscription fee to start per provider FAQ.
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.
Let customers split purchases into interest-free instalments — you get paid upfront, Tabby takes the credit risk. The largest BNPL acceptance network in the UAE.
Merchant fees are quoted per merchant; customer instalments are interest-free per provider terms, Oct 2026.
GCC BNPL provider with CBUAE restricted-finance and SVF approvals — instalment acceptance at online and in-store checkout, strong in fashion and e-commerce.
Merchant terms quoted individually; licensing per CBUAE announcements, Oct 2025.
Pay-later acceptance reaching higher-value purchases — up to AED 150,000 with terms to 48 months, financed in partnership with Mashreq.
Limits and tenor per provider and Mashreq partnership material, Oct 2026; merchant fees quoted individually.
| Product | Card rate | + per txn | Monthly fee | Settlement |
|---|---|---|---|---|
| Stripe UAE | 2.9% | AED 1 | AED 0 | 2–7 days |
| Paymob | 2.9% | AED 1 | Confirm contract | Weekly |
| Ziina Business | 2.6% | AED 1 | AED 0 | Instant to Ziina balance |
| Checkout.com | Not published | Not published | Not published | Not published |
| Amazon Payment Services | Not published | Not published | Not published | Not published |
| Telr (SME plans) | 2.35% | AED 0.5 | AED 99 | T+1–3 |
| Mamo Business | 2.9% | AED 1 | AED 0 | T+1–3 |
| Magnati | Not published | Not published | Not published | Not published |
| PayTabs | 1.75–2.9% | AED 1 | AED 0 | T+2–4 |
| Geidea | Not published | Not published | Not published | Not published |
| Tap Payments | 2.75% | AED 0 | AED 0 | T+1–3 |
| Network International (N-Genius) | 1.5–3.5% | Not published | Not published | T+1–2 |
| HyperPay | Not published | Not published | Not published | Not published |
| Nomod | 2.37–2.77% | AED 0.8 | AED 0 | Published settlement schedule on provider site |
| botim money for Business | 2.5–2.8% | AED 1 | Not published | Not published |
| Foodics Pay | Not published | Not published | Not published | Daily settlements |
| CCAvenue UAE | 3% | AED 1 | AED 200 | Not published |
| Foloosi | Not published | Not published | Not published | Not published |
| Zbooni | 3.5% | AED 1 | AED 0 | Not published |
| Omnispay | Not published | Not published | AED 0 | Not published |
| qlub | Not published | Not published | Not published | Not published |
| Tabby for Business | Not published | Not published | Not published | Not published |
| Tamara for Business | Not published | Not published | Not published | Not published |
| Cashew for Business | Not published | Not published | Not published | Not published |
Give each provider the same monthly volume, transaction count, card mix and required channels. Compare online checkout and in-person acceptance separately. Published examples are useful only within the plan’s eligibility and volume tier.
| Decision | Evidence to request | Why it changes the choice |
|---|---|---|
| Base price and conditional chargesPrimary source | Rate, fixed fee, monthly subscription, minimum-volume charge, VAT treatment and exclusions. | A zero advertised subscription can coexist with a contractual charge. Paymob terms 4.5 reserve AED 110 below AED 10,000. |
| Volume tierPrimary source | The tier that applies at your actual volume; do not extrapolate a lower headline rate across every business. | Telr publishes different monthly and transaction fees by volume. A generic flat-rate ranking can misprice the offer. |
| Availability of fundsPrimary source | Acceptance time, credit to the provider balance, bank cash-out, cutoffs, reserves and hold rights. | A balance credited instantly is not the same as cleared funds in the business bank account. |
Provider terms and a written merchant-specific quote take precedence over assumptions made from a marketing headline. Confirm the exact contracting entity and product.
The pricing page advertises a 2.9% + AED 1 Standard online rate with no monthly subscription. Separately, terms clause 4.5 allows Paymob to impose AED 110 per month below AED 10,000 monthly volume. Confirm the exact product and signed agreement: the base subscription and the possible minimum-volume charge are different costs.
Paymob merchant terms — clause 4.5
Compare the cost components, volume scenarios and written-quote checklist.
Fact sources: stripe.com · stripe.com · paymob.ae · paymob.ae · ziina.com · ziina.com · ziina.com · checkout.com · telr.com · help.mamopay.com · paytabs.com · tap.company
There is no universally cheapest gateway. Compare a quote for your volume, number of transactions, card mix and sales channels. A lower percentage can be offset by fixed, monthly or minimum-volume fees.
Confirm onboarding eligibility and the required trade-licence, identity and business documents for the exact product. Do not infer acceptance or instant activation from a provider name alone.
Ask separately when the payment is accepted, when the provider balance is credited and when money reaches your bank. Check cutoffs, weekends, reserves and hold clauses in the agreement.
Choose based on the exact platform, supported country/product, refund workflow and recurring-payment needs. Test the integration and reconciliation process before committing.
Add percentage and per-transaction fees, applicable monthly/minimum-volume charges, devices, tax, FX, refunds and disputes. Unpublished or contract-dependent inputs remain unconfirmed; the calculator excludes them from a flat-rate ranking.
Verify the current UAE-compatible payment integration in your store platform and the provider’s documentation. Availability, settlement currency and feature coverage depend on the exact integration and account.
Separate foreign-card processing surcharges from currency conversion and settlement-currency charges. Ask for both rates and the fee basis; they are not necessarily the same charge.
For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Stripe UAE and Paymob and Ziina Business. For a free-zone company: shortlist first — free-zone onboarding on published criteria: HyperPay and Nomod and botim money for Business. For e-commerce and online sellers: compare the card rate and checkout tooling — strongest published selling features: Network International (N-Genius). For import-export and multi-currency flows: widest published currency coverage: Stripe UAE.