An e-commerce gateway decision is really three: does it integrate with your stack (hosted checkout, plugins, API), what does a card transaction actually cost at your volume, and how fast does money settle to your account. Approval friction matters too — new stores get asked for trading history, so a provider that onboards fresh e-commerce licences beats a cheaper one that stalls.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
| Product | Card rate | + per txn | Monthly fee | Settlement |
|---|---|---|---|---|
| Stripe UAE | 2.9% | AED 1 | AED 0 | 2–7 days |
| Tabby for Business | Not published | Not published | Not published | Not published |
| Tamara for Business | Not published | Not published | Not published | Not published |
| Ziina Business | 2.6% | AED 1 | AED 0 | Instant to Ziina balance |
| Foodics Pay | Not published | Not published | Not published | Daily settlements |
| Nomod | 2.37–2.77% | AED 0.8 | AED 0 | Published settlement schedule on provider site |
| Paymob | 2.9% | AED 1 | Confirm contract | Weekly |
| Telr (SME plans) | 2.35% | AED 0.5 | AED 99 | T+1–3 |
| botim money for Business | 2.5–2.8% | AED 1 | Not published | Not published |
| Mamo Business | 2.9% | AED 1 | AED 0 | T+1–3 |
| HyperPay | Not published | Not published | Not published | Not published |
| Checkout.com | Not published | Not published | Not published | Not published |
| PayTabs | 1.75–2.9% | AED 1 | AED 0 | T+2–4 |
| Cashew for Business | Not published | Not published | Not published | Not published |
| Amazon Payment Services | Not published | Not published | Not published | Not published |
| qlub | Not published | Not published | Not published | Not published |
| Zbooni | 3.5% | AED 1 | AED 0 | Not published |
| Foloosi | Not published | Not published | Not published | Not published |
| Magnati | Not published | Not published | Not published | Not published |
| Tap Payments | 2.75% | AED 0 | AED 0 | T+1–3 |
| CCAvenue UAE | 3% | AED 1 | AED 200 | Not published |
| Omnispay | Not published | Not published | AED 0 | Not published |
| Geidea | Not published | Not published | Not published | Not published |
| Network International (N-Genius) | 1.5–3.5% | Not published | Not published | T+1–2 |
Fact sources: stripe.com · stripe.com · tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com · ziina.com · ziina.com · ziina.com · nomod.com
For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Stripe UAE and Ziina Business and Nomod. For a free-zone company: shortlist first — free-zone onboarding on published criteria: Tabby for Business and Tamara for Business and Foodics Pay. 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.