Payment gateways, compared
Online card payments for your website, links or invoices. Estimated cost uses each provider’s published standard rates; big volumes usually get custom pricing. Checked 2026-10-14.
Estimated monthly fees on AED 20,000 of card sales (100 payments):
| Provider | Est. fees / month | % of sales | Rate | International | Setup & monthly | Payouts | Confidence | Source |
|---|---|---|---|---|---|---|---|---|
 Ziina | AED 680 | 3.40% | 2.6% + AED 1 per card payment | +1.5% international cards (stated on Ziina’s Tap to Pay page) | No setup or monthly fees · fees + 5% VAT | 1–2 days to your bank (under AED 25k); cash-out AED 1 from 1 Nov 2026 | Low Ziina’s fees page lists 2.9% + AED 1 for card payments — confirm which applies to your business | pricing ↗ |
 Mamo Lowest | AED 700 | 3.50% | 2.9% + AED 1 (UAE cards) | 3.4% + AED 1 international · +2% if charged in non-AED | No sign-up or monthly fee | 5 business days; same-day +0.75%; AED 5 per bank payout | High | pricing ↗ |
 Stripe | AED 720 | 3.60% | 2.9% + AED 1 per card payment | +1% international cards · +1% if currency conversion | No setup or monthly fees | Standard payouts free; instant 1.5% (min AED 2) | High | pricing ↗ |
 PayPal | AED 720 plus a fixed fee per payment (not published for AED) | 3.60% | 3.40% + fixed fee per payment | 4.40% + fixed fee for international buyers · 3% currency conversion | No monthly fee stated | Withdraw to UAE bank | Medium Fixed fee for AED not listed — estimate excludes it | pricing ↗ |
| Mamo | AED 739 only for AED 50,000+ a month | 3.69% | AED 99/month + 2.7% + AED 0.80 (UAE cards) | 3.2% + AED 0.80 international · +1.5% if non-AED | No sign-up fee; monthly fee only in months with settlements | 5 business days; same-day +0.5%; AED 5 per bank payout | High | pricing ↗ |
 Telr | AED 809 Entry tier | 4.04% | Startup (under AED 10k/month): AED 249/month · Entry: AED 199 + 2.45% + AED 1 · Small: AED 99 + 2.35% + AED 0.50 · Medium (AED 50k+): 2.25% + AED 0.50 | +0.5% international cards | “Zero setup fee” · all fees + 5% VAT | Not stated | Medium Startup tier shows 0% per transaction — confirm with Telr | pricing ↗ |
| CCAvenue | AED 900 | 4.50% | AED 200/month + 3% + AED 1 per transaction | Same 3% (Visa, Mastercard, Amex) | AED 0 setup (GCC transactions) · + 5% VAT | Not stated | Low Page looks old (2014 copyright) — confirm current rates | pricing ↗ |
All estimates are before VAT — 5% VAT is added to the fees (not to your sales) for every provider. Estimate only: refunds, disputes and wallets (Apple Pay etc.) can change the total. “Lowest” only goes to a complete estimate that isn’t low-confidence.
Prices on request
| Provider | What | What they publish | Source |
|---|---|---|---|
 Network International (N-Genius Online) | Online gateway and pay-by-link | Rates on request. Dubai (DET) offer until 31 Dec 2026: up to 20% off, up to 40% off for Emirati-owned businesses | source ↗ |
| Magnati | Online gateway (ECOM) | One-time fee AED 5,000; annual fee AED 2,500 (waived for ECOM for a limited time); transaction rate set at onboarding | source ↗ |
 Checkout.com | Online gateway for larger merchants | Custom pricing (flat rate or interchange++); no setup or account maintenance fees | source ↗ |
 Amazon Payment Services | Online gateway | No setup or integration fees for UAE; rates appear only after choosing country and monthly volume on the page — ask sales | source ↗ |
 PayTabs | Online gateway | No UAE prices published (only Saudi prices on the pricing page) — ask sales | source ↗ |
 Tap Payments | Online gateway | No public UAE pricing (checked again with a real browser) — ask Tap | source ↗ |
Not yet checked: Noon Payments (site returned an error twice) · Geidea online gateway.
Frequently asked questions
Which payment gateway is cheapest in the UAE?
It depends on your monthly sales and average payment. Enter your numbers in the calculator above — it ranks providers by estimated monthly fees from their published rates.
Is VAT charged on gateway fees?
Yes. 5% VAT is added to the fees (not to your sales) for every provider.
What do I need to get a payment gateway?
Usually a trade licence, a business bank account and a website or app. Compare bank accounts first.