Lowest local-card rates: Telr 2.49% + AED 0.50 (on ~AED 99/mo plan) and PayTabs from 1.75% + AED 1 for established merchants. Ziina at 2.6% + AED 1 is the cheapest zero-monthly option.
Catalogue updated
Network International (N-Genius) Network International 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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
| Product | Card rate | + per txn | Monthly fee | Settlement |
|---|---|---|---|---|
| Network International (N-Genius) | 1.5–3.5% | Not published | Not published | T+1–2 |
| PayTabs | 1.75–2.9% | AED 1 | AED 0 | T+2–4 |
| Telr (SME plans) | 2.35% | AED 0.5 | AED 99 | T+1–3 |
| Ziina Business | 2.6% | AED 1 | AED 0 | Instant to Ziina balance |
| Tap Payments | 2.75% | AED 0 | AED 0 | T+1–3 |
| Paymob | 2.9% | AED 1 | Confirm contract | Weekly |
| Stripe UAE | 2.9% | AED 1 | AED 0 | 2–7 days |
| Mamo Business | 2.9% | AED 1 | AED 0 | T+1–3 |
| Checkout.com | Not published | Not published | Not published | Not published |
| Amazon Payment Services | Not published | Not published | Not published | Not published |
| Magnati | Not published | Not published | Not published | Not published |
| Geidea | Not published | Not published | Not published | Not published |
Fact sources: paytabs.com · telr.com · ziina.com · ziina.com · ziina.com · tap.company · paymob.ae · paymob.ae · stripe.com · stripe.com · help.mamopay.com · checkout.com
The service that authorises and processes online card payments for a merchant — it connects your checkout to the card networks and settles funds to your bank account. In the UAE, gateways charge a percentage plus a fixed fee per transaction.
For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: PayTabs and Ziina Business and Tap Payments. 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.