Zero-subscription options ranked by rate: Ziina 2.6% + AED 1, Tap ~2.75%, Stripe and Mamo at 2.9% + AED 1. PayTabs Flexi also starts at AED 0/mo.
Catalogue updated
PayTabs 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
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.
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.
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.
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.
| Product | Card rate | + per txn | Monthly fee | Settlement |
|---|---|---|---|---|
| PayTabs | 1.75–2.9% | AED 1 | AED 0 | T+2–4 |
| Nomod | 2.37–2.77% | AED 0.8 | AED 0 | Published settlement schedule on provider site |
| 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 |
| Zbooni | 3.5% | AED 1 | AED 0 | Not published |
| Omnispay | Not published | Not published | AED 0 | Not published |
Fact sources: paytabs.com · nomod.com · ziina.com · ziina.com · ziina.com · tap.company · paymob.ae · paymob.ae · stripe.com · stripe.com · help.mamopay.com · zbooni.com
Yes — Ziina (2.6% + AED 1), Stripe, Mamo (both 2.9% + AED 1) and PayTabs Flexi all charge only per transaction with no subscription. At steady volume, a paid plan like Telr (lower rate, ~AED 99/month) becomes cheaper — compare on your actual monthly turnover.
For a free-zone company: shortlist first — free-zone onboarding on published criteria: Nomod and Zbooni and Omnispay. For e-commerce and online sellers: compare the card rate and checkout tooling — strongest published selling features: PayTabs. For import-export and multi-currency flows: widest published currency coverage: Stripe UAE.
Telr (lower rate, ~AED 99/month) becomes cheaper — compare on your actual monthly turnover.