Ziina · payment links + gateway

Ziina Business

Card rate 2.6% + AED 1/transaction

Fastest way to get paid in the UAE with zero code: links, QR, Tap to Pay. No monthly fee — you pay per transaction only.

Apply with Ziina Compare payment gateways Ziina Business vs Stripe UAE

Is Ziina Business worth it?

e-commerce merchants: Ziina Business supports online selling — payment links and card processing from 2.6%.
in-person sellers: Ziina Business supports in-person/POS acceptance.

Pricing

Monthly fee: AED 0
Card processing rate: 2.6%
Fixed fee per transaction: AED 1

Eligibility

Not suitable for: businesses needing a full gateway (no hosted checkout, subscriptions or POS) or a bank account to settle into — Ziina is payment links settling to your existing bank. Merchants wanting multi-currency acquiring

Business operations

Approval time: self-serve sign-up (~1 minute)
Settlement: Instant to Ziina balance
Payment links: Yes
In-person / POS: Yes

How onboarding goes

Application: Submit the request through the provider’s channel and upload documents
Compliance review: KYC checks and document verification
Decision: Typical timing: self-serve sign-up (~1 minute)
Go live: Access activated and the product is live

Documents you'll typically need

Trade licence covering your activity
Live website or app with refund and privacy policies
Corporate bank account details for settlement
Processing history or projected volumes for established businesses

Typical pack for this category — the provider confirms the exact list on application.

What Ziina Business costs at real order values

AED 100 order: AED 3.60 per transaction — 3.60% effective (2.6% + AED 1 fixed).
AED 300 order: AED 8.80 per transaction — 2.93% effective (2.6% + AED 1 fixed).

Published rates only — the fixed fee weighs more on smaller orders. Confirm current pricing with the provider.

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.

Verified answers

What are Ziina Business fees?

Receiving money costs 2.6% + AED 1 per transaction via Ziina links, QR codes, NFC, Tap to Pay, your website or Ziina Balance, plus 1.5% extra for international cards or non-AED currencies. Sending to Ziina accounts is free; sending by card costs 2.9% + AED 1. All fees carry 5% VAT on the fee only.

Source: ziina.com · verified2026-10-15

How much does Ziina membership cost?

Ziina Lite membership costs AED 100 monthly or AED 996 yearly including VAT. Non-AED card spend is free up to AED 3,000 per calendar month on Lite (AED 20,000 on Violet), then 0.5% per transaction. Cash-outs cost AED 1 excluding bank fees.

Source: ziina.com · verified2026-10-15

Does Ziina charge setup or subscription fees for website payments?

No — Ziina states there are no subscription, sign-up or hidden fees for accepting payments on your website; only 2.6% + AED 1 per received payment (+1.5% for international cards or non-AED).

Source: ziina.com · verified2026-10-15