POS and in-person payments for UAE businesses

Paymob and Geidea supply terminals plus online under one merchant account; Network International and Magnati are the acquiring incumbents for larger retail/hospitality volumes; Amazon Payment Services covers enterprise in-person needs. Compare card-present rate and settlement, not the online rate.

Catalogue updated

Cost calculator — estimate the annual gateway cost at your volume
Raqma's pick
Paymob
  • No monthly fee
  • Card rate from 2.9%
  • Settlement: Weekly
  • Built-in payment links

The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology

Products to compare

9 products

Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology

Paymob

Paymob

SME-focused acceptance: online checkout, payment links and POS terminals under a CBUAE Retail Payment Services licence. Rates auto-improve with volume.

Payment linksIn-person / POS
Card rate
2.9%
+ per txn
AED 1
Monthly fee
Confirm contract
Settlement
Weekly
UAE Central Bank — licensed Reviewed
Apply

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.

Geidea

Geidea

Smart POS terminals and omnichannel acceptance for retail, F&B and hospitality; entered the UAE via a partnership with Magnati.

Payment linksIn-person / POS
Card rate
—
+ per txn
—
Monthly fee
—
Settlement
—
UAE Central Bank — licensed Reviewed
Apply

No public UAE rate card — terminal and transaction fees are quoted per merchant.

Network International

Network International (N-Genius)

The UAE’s largest acquirer — best negotiated rates and enterprise-grade processing, but onboarding is slower and geared to established businesses.

In-person / POSMulti-currency: AED + regional currencies
Card rate
1.5–3.5%
+ per txn
—
Monthly fee
—
Settlement
T+1–2
UAE Central Bank — licensed Reviewed
Apply

Rates are custom-quoted (~1.5–3.5% observed range) plus monthly/terminal fees. Best economics at real volume.

Magnati

Magnati

FAB’s payments arm — online acquiring, POS terminals and government-sector acceptance, backed by the UAE’s largest bank.

Payment linksIn-person / POS
Card rate
—
+ per txn
—
Monthly fee
—
Settlement
—
UAE Central Bank — licensed Reviewed
Apply

No public rate card — acquiring and POS fees are quoted per merchant.

Amazon Payment Services

Amazon Payment Services

Former PayFort — one of the largest MENA PSPs: cards, installments, payment links and local methods with deep regional bank integrations.

Payment links
Card rate
—
+ per txn
—
Monthly fee
—
Settlement
—
UAE Central Bank — licensed Reviewed
Apply

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.

Payment links
Card rate
2.35%
+ per txn
AED 0.5
Monthly fee
AED 99
Settlement
T+1–3
Reviewed
Apply

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.

Foodics

Foodics Pay

Restaurant POS with integrated payment acceptance — order, pay and receipt on one device, daily settlements; UAE payments run through Network International.

Card rate
—
+ per txn
—
Monthly fee
—
Settlement
Daily settlements
Reviewed
Apply

UAE acceptance delivered with Network International per provider disclosure, Oct 2026; rates quoted per merchant.

qlub

qlub

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).

Card rate
—
+ per txn
—
Monthly fee
—
Settlement
—
Reviewed
Apply

In-principle approval announced Aug 2026 — full licence not yet issued; verify current status.

Nomod

Nomod

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.

Card rate
2.37–2.77%
+ per txn
AED 0.8
Monthly fee
AED 0
Settlement
Published settlement schedule on provider site
Reviewed
Apply

Model and availability per provider documentation, Oct 2026; per-transaction rates published on the provider site.

Side-by-side

Side-by-side — 9products — Card rate, + per txn, Monthly fee, Settlement
ProductCard rate+ per txnMonthly feeSettlement
Paymob2.9%AED 1Confirm contractWeekly
GeideaNot publishedNot publishedNot publishedNot published
Network International (N-Genius)1.5–3.5%Not publishedNot publishedT+1–2
MagnatiNot publishedNot publishedNot publishedNot published
Amazon Payment ServicesNot publishedNot publishedNot publishedNot published
Telr (SME plans)2.35%AED 0.5AED 99T+1–3
Foodics PayNot publishedNot publishedNot publishedDaily settlements
qlubNot publishedNot publishedNot publishedNot published
Nomod2.37–2.77%AED 0.8AED 0Published settlement schedule on provider site

How to choose a Payment gateways by your situation

  • startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Paymob and Nomod.
  • a free-zone company: shortlist first — free-zone onboarding on published criteria: Foodics Pay and qlub and Nomod.
  • e-commerce and online sellers: compare the card rate and checkout tooling — strongest published selling features: Network International (N-Genius).

POS hardware and settlement: what is published

Terminal hardware and merchant rates in the UAE are mostly contract-priced. The table separates what each provider publishes from what needs a written quote — settlement speed is the line where several providers do publish terms.

In-store acceptance — published hardware, pricing and settlement
ProviderIn-store acceptancePricing publishedSettlement published
GeideaGeidea POS pages
Counter and table-side terminals plus Geidea Mobile (SoftPOS) — phone acceptance without dedicated hardwareNo public rates — hardware, MDR and software quoted per businessNot published
NomodNomod AE pricing
Terminal plus links, invoices and phone-based channelsPublishes tiered rates from 1.67% (5-day), 1.77% (2-day) and 1.87% (next-day) on standard cards; premium cards priced higherPayout speed is the plan: next day, two days or five days
PaymobPaymob pricing
In-store acceptance listed alongside the online gatewayStandard online rate 2.9% + AED 1 published; POS terms contractual. Terms 4.5 separately allow a AED 110 charge below AED 10,000 monthly volumeWeekly bank settlement stated on the pricing page
ZiinaZiina fee help
Tap to Pay on iPhone (SoftPOS, no terminal)2.6% + AED 1 published for Tap to Pay; +1.5% international-card surchargeInstant to Ziina balance; bank cash-out is a separate step
Foodics PayFoodics Pay page
Bundled with the Foodics POS — payments post into the point-of-sale for F&B merchantsNot published separately from the POS bundleDaily settlements
Network International (incl. Magnati)Network International
N-Genius platform for in-store and online acceptance; Magnati onboarding now runs through this entityNo rate card — pricing, MDR and eligibility set by contractT+1–2 typical per catalogue; contractual

A blank line in a provider page is not a free line. “Not published” rows need a written quote; contractual cells reflect what the provider itself states about how terms are set.

Ask every shortlisted provider for the same written quote: hardware cost or rental, MDR by card type, software licence, settlement cycle and first-transaction holds.

Fact sources: paymob.ae · paymob.ae · telr.com · nomod.com

Frequently asked questions

How to choose a Payment gateways service for your situation?

For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Paymob and Nomod. For a free-zone company: shortlist first — free-zone onboarding on published criteria: Foodics Pay and qlub and Nomod. For e-commerce and online sellers: compare the card rate and checkout tooling — strongest published selling features: Network International (N-Genius).

Comparison service — not a bank, lender or PSP How we compare How we make money