A large share of the UAE workforce is unbanked or underbanked — labourers, drivers, hospitality and retail staff. WPS still applies: the salary must flow through an approved channel, but instead of a bank account the worker gets a payroll card they can withdraw from at ATMs or spend in shops.
NOW Money payroll accounts NOW Money 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
Payroll accounts and cards for workers without bank accounts — employers run WPS-compliant salary disbursement to cards staff can use at ATMs and in shops.
Worker accounts are issued with a regulated banking partner — confirm current partner bank and card coverage.
Digital payroll service for UAE SMEs — WPS-compliant salary runs and payroll cards, built by SC Ventures for companies without in-house payroll.
WPS payroll inside the botim money business super-app — digital salary disbursement paired with a business wallet, for merchants already on the platform.
Payroll runs through botim’s licensed wallet rails — confirm WPS agent coverage for your MOHRE establishment.
| Product | Price from | Model | WPS | Best for |
|---|---|---|---|---|
| NOW Money payroll accounts | Not published | Employer platform + worker accounts/cards | WPS-compliant salary disbursement via partner banking | Companies paying unbanked or low-income staff |
| Zoi | Not published | Payroll service — they run salary disbursement | WPS payroll processing | SMEs outsourcing payroll end-to-end |
| botim Payroll | Not published | Payroll inside a business super-app | Digital WPS payroll disbursement | Merchants and SMEs already on botim money |