Ziina Business vs Nomod
Head-to-head on the fields that decide real cost and approval odds — fees, eligibility, onboarding, coverage. Data from our catalogue; confirm current terms with each provider.
In short
In short: pick Ziina Business for POS support and payment links; pick Nomod for lower card processing rate, lower fixed fee per transaction and free-zone onboarding.
Catalogue fields last reviewed 2026-10-23.
Pick Ziina Business if…
Ziina · full profile
- You take in-person payments — POS support included.
- You invoice by link — payment links supported.
Pick Nomod if…
Nomod · full profile
- You run volume on card processing — rate starts at 2.37%.
- You run many small transactions — fixed fee is AED 0.8.
- Your company is in a free zone — this one onboards free-zone entities.
Side-by-side
| Product | Card rate | + per txn | Monthly fee | Settlement |
|---|---|---|---|---|
| Ziina Business | 2.6% | AED 1 | AED 0 | Instant to Ziina balance |
| Nomod | 2.37–2.77% | AED 0.8 | AED 0 | Published settlement schedule on provider site |
Who wins on each published field
| Field | Leads |
|---|---|
| lower card processing rate | Nomod |
| lower fixed fee per transaction | Nomod |
| free-zone onboarding | Nomod |
| POS support | Ziina Business |
| payment links | Ziina Business |
Estimated first-year fixed cost (AED)
| Product | Year-1 fixed cost |
|---|---|
| Ziina Business | AED 0 |
| Nomod | AED 0 |
Published monthly fee × 12 plus annual fee. Transaction, FX and penalty charges are not included — see the field table above.
All published fields
| Field | Ziina Business | Nomod |
|---|---|---|
| Monthly fee | AED 0 | AED 0 |
| Approval time | self-serve sign-up (~1 minute) | Not published |
| Free-zone companies | Not published | Yes |
| Card processing rate | 2.6% | 2.37–2.77% |
| Fixed fee per transaction | AED 1 | AED 0.8 |
| Settlement | Instant to Ziina balance | Published settlement schedule on provider site |
| Payment links | Yes | Not published |
| In-person / POS | Yes | Not published |
| Public rating | 4.4/5 — 666 reviews (Trustpilot) | 4.1/5 — 51 reviews (RatingFacts) |
Which fits your business
- Free-zone company: Nomod onboards free-zone entities on published criteria.
- In-person sales: POS support is published by Ziina Business.
- Invoicing by link: payment links are supported by Ziina Business.
Verdicts above are derived from published catalogue fields — the cheaper, faster or broader option on each field wins the bullet. Position is not sold. Methodology
Frequently asked questions
Which is cheaper — Ziina Business or Nomod?
On published monthly fees: Ziina Business — AED 0/mo; Nomod — AED 0/mo. Lowest fixed cost: Ziina Business and Nomod. Factor in minimum balance and transaction fees from the table above.
Can a free-zone company use Ziina Business or Nomod?
Published criteria do not confirm free-zone onboarding for these products — confirm directly with the provider.
Where does this comparison data come from?
Each field is read from the provider's published terms and was last reviewed on 2026-10-23. Raqma is a comparison service — we do not decide applications, and placement in this comparison is not sold.
Raqma is a comparison service — we do not decide applications, and placement in this comparison is not sold.