Ecommerce
The Best Payment Gateway in Dubai: A Comprehensive Guide for 2025
In this comprehensive guide, we’ll walk you through the top 5 payment gateways in the UAE, their benefits, and the key factors to consider when making your selection.
Apr 17, 2025
Are you tired of losing customers at the checkout? 😫 In today’s fast-paced digital world, having a reliable and efficient payment gateway is crucial for the success of your eCommerce business in the UAE. With just a few clicks, customers can complete their transactions quickly and effortlessly. But with so many options available, how do you choose the best one for your needs?
Don’t worry, we’ve got you covered! 💪 In this comprehensive guide, we’ll walk you through the top 5 payment gateways in the UAE, their benefits, and the key factors to consider when making your selection. Whether you’re a small business owner or a large enterprise, we’ll help you find the perfect payment solution to boost your sales and enhance your customers’ shopping experience.
Get ready to revolutionize your online payments and take your business to new heights! 🚀 We’ll start by exploring what exactly a payment gateway is and why it’s essential for your eCommerce website. Then, we’ll dive into the benefits of using payment gateways and introduce you to the cream of the crop in the UAE market. Let’s get started on your journey to seamless, secure, and efficient online transactions!
What is a Payment Gateway?
A payment gateway is a crucial component of e-commerce transactions, acting as a virtual bridge between customers and merchants. It securely processes online payments by encrypting sensitive financial information and facilitating the transfer of funds from the customer’s account to the merchant’s account. Additionally, robust security measures, such as account takeover protection, are implemented to prevent unauthorized access to customer accounts, ensuring the safety and integrity of the payment process.
Key Functions of Payment Gateways
Authorization
Data encryption
Fund transfer
Fraud detection
Transaction recording
How Payment Gateways Work
Customer initiates payment
Gateway encrypts data
Information sent to processor
Bank approves/declines
Response sent back to gateway
Merchant and customer notified
Types of Payment Gateways
Type | Description | Example |
|---|---|---|
Hosted | Redirects to third-party page | PayPal |
Self-hosted | Integrated into merchant's site | Stripe |
API-based | Uses application programming interface | Square |
Payment gateways play a vital role in ensuring secure and efficient online transactions. They protect sensitive financial data, reduce fraud risks, and provide a seamless checkout experience for customers. As e-commerce continues to grow in the UAE, understanding payment gateways becomes increasingly important for businesses looking to thrive in the digital marketplace.
Benefits of Using Payment Gateways in the UAE
Streamlined Transactions
Payment gateways offer a seamless transaction process, benefiting both merchants and customers. They enable:
Quick and secure online payments
Multiple payment method support (credit cards, debit cards, e-wallets)
Real-time transaction processing
Automated recurring billing
Transaction fees are often based on each successful sale, making it crucial for businesses to choose cost-effective payment solutions.
Enhanced Security
One of the primary advantages of using payment gateways is the robust security they provide:
PCI DSS compliance
Encryption of sensitive data
Fraud detection and prevention tools
Secure storage of customer payment information
Global Reach and Multi-Currency Support
Payment gateways facilitate international business growth:
Feature | Benefit |
|---|---|
Multi-currency processing | Allows transactions in various currencies |
Language localization | Improves customer experience for global buyers |
Cross-border payments | Expands market reach beyond local boundaries |
Global payments | Facilitates international transactions with ease of integration and secure processing |
Bank transfers | Offers convenience and flexibility for international transactions |
Improved Cash Flow and Reporting
Payment gateways contribute to better financial management:
Faster settlement times
Detailed transaction reports
Integration with accounting software
Simplified reconciliation process
These benefits make payment gateways an essential tool for modern businesses, especially in the UAE's rapidly growing e-commerce sector. By leveraging these advantages, businesses can focus on growth while ensuring smooth and secure financial transactions. Next, we'll explore the top 5 payment gateways available in the UAE, helping you make an informed decision for your business needs.
Top 5 Payment Gateways in UAE
A. Stripe
Stripe is a leading payment gateway that has gained popularity in the UAE for its robust features and user-friendly interface. It offers seamless integration with various e-commerce platforms and supports multiple currencies, making it ideal for businesses targeting international customers.
Key Features:
Easy integration with major e-commerce platforms. Stripe integrates well with popular e-commerce platforms like Shopify, WooCommerce, and Magento.
Supports 135+ currencies
Advanced fraud detection and prevention. Stripe is known as a reliable payment gateway, ensuring secure and efficient transactions.
Customizable checkout experience
Category | Pros | Cons |
|---|---|---|
Global Support | Accepts payments from 135+ countries and currencies | Not officially supported in UAE — must use via a partner or workaround |
Developer-Friendly | Excellent API and tools for custom integration | Setup may be tricky for non-developers |
UI & Dashboard | Clean, modern dashboard with real-time reports and analytics | Interface is global-focused, not tailored to UAE regulations |
Security | PCI DSS Level 1 certified, 3D Secure, built-in fraud detection (Radar) | Advanced fraud tools may have extra costs |
Recurring Billing | Powerful tools for subscriptions, invoicing, and automated billing | Slight learning curve for new users |
No Setup or Monthly Fee | Great for startups—only pay per transaction | Per-transaction fees are higher than some local gateways |
Payment Options | Supports cards, Apple Pay, Google Pay, bank debits | Doesn’t support UAE wallets like Payit, STC Pay, or Tabby |
Integration | Works with Shopify, WooCommerce, and other global platforms | Limited support for local POS or accounting systems |
Customer Support | 24/7 email/chat support | No UAE-based local support or account managers |
B. Telr
Telr is a homegrown payment gateway that caters specifically to the UAE market. It offers a comprehensive suite of payment solutions tailored to local businesses' needs.
Key Features:
Multi-currency support
Integration with local and international banks
Advanced fraud protection
Mobile-friendly payment options
Telr supports local payment methods, enhancing user experience and building trust.
Category | Pros | Cons |
|---|---|---|
Local Presence | Based in Dubai with strong understanding of UAE market | Account approval may take time |
Pricing | Flexible plans starting from AED 99/month | Pricing structure can be a bit complex |
Integration | Easy plugins for Shopify, WooCommerce, and others | Direct API needs PCI DSS certification |
Payment Methods | Supports cards, Apple Pay, SADAD, and regional options | Limited support for some newer global payment methods |
Security | PCI DSS certified with strong fraud protection | Advanced features may need setup |
Customer Support | Local, multilingual support available | Support response may be slow during peak times |
Extra Services | Offers BNPL (Tabby), social commerce, and merchant loans | Some extra features may come with added cost |
Settlement Time | Usually within 5–7 business days | Can vary depending on bank and volume |
Telr is a well-known payment gateway in the UAE, providing secure payment solutions tailored to cultural trends and customer habits.
C. PayTabs
PayTabs is another popular payment gateway in the UAE, known for its user-friendly interface and robust security features. It caters to businesses of all sizes, from startups to large enterprises.
Key Features:
One-click checkout
Recurring billing
Detailed analytics and reporting
Multi-currency support
PayTabs enhances the online shopping experience by providing efficient and secure payment solutions.
PayTabs ensures seamless transactions, making it easier for businesses to scale and provide a positive customer experience.
Category | Pros | Cons |
|---|---|---|
Local Presence | Strong presence in UAE and GCC region | N/A |
Pricing | Competitive rates (around 2.9% + AED 1 local, 3.9% international) | Extra fees like wire transfer charges may apply |
Integration | Easy plugins for Shopify, WooCommerce, Magento, etc. | Onboarding can be a bit slow for some users |
Payment Methods | Accepts cards, Apple Pay, Samsung Pay, Mada, STC Pay, and more | Limited support for some newer international payment options |
Security | PCI DSS certified, 3D Secure, strong fraud protection | Some users faced fund hold issues |
Customer Support | Regional support and Arabic language options | Mixed feedback on support speed and helpfulness |
Extra Features | Includes PayLinks, QR payments, and tools for selling on social media | Some features may need extra setup or fees |
Settlement Time | Flexible withdrawals: weekly, monthly, or on request | Bank delays or minimum withdrawal amounts may slow access to funds |
D. CCAvenue
CCAvenue offers a comprehensive suite of digital payment solutions, catering to businesses across various industries in both domestic and international markets, including the UAE and Saudi Arabia.
Key Features:
Extensive Payment Options
Multi-Currency Processing
Smart Dynamic Routing
Responsive Checkout Pages
Integration with Popular Platforms
Advanced Fraud Detection
Mobile App Support
Storefront Solution
Social Network In-stream Payments
CCAvenue is ideal for online businesses looking for a reliable payment gateway.
CCAvenue offers a cost-effective payment solution, making it an attractive option for businesses focused on cost savings and simplicity in payment processing.
Category | Pros | Cons |
|---|---|---|
Local Presence | Operates in the UAE with good understanding of the regional market | N/A |
Pricing | Competitive local transaction fees starting around 2% | Higher fees may apply for international cards like Amex |
Integration | Ready-made plugins for Shopify, WooCommerce, Magento, and more | Advanced setup may need developer help |
Payment Methods | Supports 200+ options including cards, wallets, and net banking | Limited options for some newer global payment methods |
Security | PCI DSS certified with strong fraud detection and 3D Secure | N/A |
Customer Support | 24/7 support through email and helpdesk | N/A |
Extra Features | Offers tools like retry payments, smart routing, and social media payment links | Some features may need extra setup or fees |
Settlement Time | Typically pays out weekly, which helps with cash flow | N/A |
E. Networks International
Network International is a leading digital payments provider headquartered in Dubai, UAE. Established in 1994 as a subsidiary of Emirates Bank, it has evolved into the largest payment solutions provider in the Middle East and Africa (MEA) region, serving over 130,000 merchants and 250 financial institutions across more than 50 countries
Key Features:
Omni-Channel Payment Acceptance
Mobility Solutions
Value-Added Services
Integration with UPI. Network International excels in payment processing, offering secure, flexible, and efficient solutions that support multiple payment methods and fraud prevention.
Category | Pros | Cons |
|---|---|---|
Local Presence | Headquartered in Dubai with over 30 years of experience in the UAE market, offering deep regional expertise. | N/A |
Pricing | Customized pricing based on business needs and transaction volumes, providing flexibility for different business sizes. | Lack of transparent, publicly available pricing information may require direct consultation for details. |
Integration | Offers seamless integration with platforms like Magento, WooCommerce, and custom APIs, facilitating easy setup. | Limited documentation and community support for certain platforms may pose challenges. |
Payment Methods | Supports a wide range of payment options, including Visa, MasterCard, American Express, Apple Pay, Samsung Pay, and QR-based payments. | N/A |
Security | PCI DSS Level 1 certified with advanced security features like 3D Secure, tokenization, and fraud screening. | N/A |
Customer Support | Provides dedicated account managers for medium to large businesses, ensuring personalized support. | Mixed reviews regarding the responsiveness and effectiveness of customer support. |
Additional Features | Offers tools like Smart Dynamic Routing, Retry Option, and social network in-stream payments (S.N.I.P.), enhancing transaction success rates and user experience. | Some advanced features may require additional setup or costs. |
Settlement Time | Typically settles funds on a weekly basis, aiding in cash flow management. | N/A |
Network International plays a crucial role in the e-commerce market, particularly in the UAE, by providing essential online payment solutions that support the growth and development of businesses in this evolving landscape.
Now that we’ve covered the top 5 payment gateways in the UAE, let’s explore them head to head to help you make an informed decision for your e-commerce business.
Overall Comparision Between Top 5 Payment Gateway In Dubai, UAE
Feature | Stripe | Telr | PayTabs | CCAvenue | Network International |
|---|---|---|---|---|---|
UAE Availability | Limited (via partner/reseller) | Fully operational in UAE | Fully operational in UAE | Operational in UAE | Local market leader in UAE |
Setup Fee | None | AED 349–AED 999+ (based on plan) | Depends on plan; generally AED 500–AED 1000+ | AED 200–AED 1000+ depending on plan | Custom pricing |
Monthly Fee | None | AED 49–AED 199+ (based on features) | Depends on plan | Starting from AED 200+ | Custom (depends on volume/plan) |
Transaction Fee (Local) | 2.9% + AED 1.00 | ~2.5% + AED 1–2 per transaction | ~2.8% or custom | ~2.5% or custom | Custom rates based on volume |
International Transaction Fee | 3.9% + AED 1.00 | 3.5%–4.0% + FX margin | ~3.9% or custom | ~3.5% or custom | Custom rates |
Settlement Time | 5–7 days | 2–5 working days | 2–5 working days | 3–5 working days | 1–3 working days |
Multi-Currency Support | Yes (135+ currencies) | Yes (multiple currencies including AED, USD, etc.) | Yes (major global currencies) | Yes (multi-currency & dynamic currency conversion) | Yes |
Payment Methods | Cards, Apple Pay, Google Pay | Cards, Apple Pay, PayPal, etc. | Cards, Apple Pay, Mada, STC Pay, etc. | Cards, Net banking, UPI, wallets | Cards, Apple Pay, local UAE wallets |
Recurring Billing/Subscriptions | Yes | Yes | Yes | Yes | Yes |
Mobile SDK/API | Yes (robust, developer-friendly) | Yes (with REST APIs) | Yes | Yes | Yes |
Dashboard UX & Analytics | Industry-leading, intuitive | User-friendly | Functional, clean UI | Moderate UX | Enterprise-grade dashboard |
Fraud Protection & 3D Secure | Yes (built-in fraud AI, 3DS 2.0) | Yes (3D Secure + filters) | Yes (Fraud protection + 3DS) | Yes (Basic fraud tools & 3DS) | Yes (Advanced with AI options) |
Customer Support | Email, WhatsApp Marketing & Automation & chat only (No UAE-local support) | Email, chat, and phone (UAE-local team) | 24/7 email/chat, account manager | Email & ticketing, limited phone support | Dedicated local team, enterprise support |
Integration with Platforms | Shopify, WooCommerce, Magento, custom sites | Shopify, Magento, WooCommerce, Opencart, more | Shopify, Magento, custom-built platforms | WooCommerce, Shopify, OpenCart | Custom integrations & POS systems |
Best For | Global SaaS, startups, developers | UAE-based SMEs, startups | Regional businesses in MENA | Mid-sized businesses, Indian & UAE audience | Large enterprises, banks, UAE omnichannel businesses |
These top payment gateways offer a range of features tailored to the UAE market, ensuring smooth and secure transactions for eCommerce businesses. When choosing a payment gateway, consider factors such as transaction fees, security features, and compatibility with your eCommerce platform.
Factors to Consider While Selecting a Payment Gateway
Security
When selecting a payment gateway in the UAE, security should be your top priority. Look for gateways that offer:
PCI DSS compliance
SSL encryption
3D Secure authentication
Fraud detection tools
Cost
Consider the following cost factors:
Fee Type | Description |
|---|---|
Setup fee | One-time charge for account activation |
Transaction fee | Percentage or fixed amount per transaction |
Monthly fee | Recurring charge for gateway services. Some providers do not impose monthly fees, which can lead to significant savings. |
Chargeback fee | Fee for disputed transactions. It is crucial to check for hidden fees associated with these charges, as they can significantly reduce profit margins. |
Third Party Integration
Choose a gateway that easily integrates with:
Your e-commerce platform
Accounting software
CRM systems
Inventory management tools
Seamless payment integration is crucial for enhancing user experience and ensuring secure transactions.
Additionally, ensure that the gateway can be easily integrated with your existing website to maintain operational efficiency and provide a hassle-free checkout process.
International Acceptance
For businesses targeting global customers, ensure the gateway:
Supports multiple currencies
Offers competitive exchange rates
Complies with international regulations
Customer Support
Evaluate the quality of customer support:
24/7 availability
Multiple support channels (phone, email, chat)
Response time
Knowledge base and documentation
User Experience & Interface
A user-friendly interface is crucial for both merchants and customers:
Easy-to-navigate dashboard
Clear reporting and analytics
Smooth checkout process for customers
A well-designed payment page is essential for providing a seamless and branded checkout experience.
A seamless checkout process enhances user experience and facilitates e-commerce growth by building customer trust and improving conversion rates.
Scalability
As your business grows, your payment gateway should be able to:
Handle increased transaction volumes
Offer additional features and services
Support expansion into new markets
When selecting a payment gateway in the UAE, carefully consider these factors to ensure you choose a solution that meets your current needs and supports your future growth.
Verdict: Overall Best Payment Gateway in Dubai, UAE
Stripe
After carefully evaluating various payment gateways available in the UAE, Stripe emerges as the overall best choice for businesses in Dubai and across the Emirates. This highly versatile platform offers a comprehensive suite of features that cater to both small startups and large enterprises.
Stripe provides seamless integration with various e-commerce platforms, making it easy for businesses to start accepting payments online.
Additionally, Stripe is an excellent international payment gateway, offering secure and efficient payment solutions tailored for businesses in the UAE.
The platform supports multiple payment methods, ensuring that customers have a variety of options to complete their transactions.
Furthermore, Stripe supports virtual credit card services, enhancing the security of online transactions and mitigating risks associated with chargebacks.
Key Features of Stripe
Feature | Description |
|---|---|
Global Reach | Supports 135+ currencies |
Security | PCI DSS Level 1 compliant |
Integration | Easy-to-use APIs and SDKs |
Pricing | 2.9% + 0.30 AED per transaction |
Support | 24/7 customer service |
Stripe's popularity in the UAE stems from its:
Seamless integration with major e-commerce platforms
Advanced fraud prevention tools
Support for multiple payment methods, including cards and digital wallets
Customizable checkout experience
Robust analytics and reporting capabilities
For businesses looking to expand internationally, Stripe's global presence is a significant advantage. Its ability to handle transactions in multiple currencies without additional fees makes it an ideal choice for UAE-based companies targeting international markets.
Moreover, Stripe's commitment to security gives merchants and customers peace of mind. With features like 3D Secure and machine learning-based fraud detection, it significantly reduces the risk of fraudulent transactions.
Now that we've identified Stripe as the top contender, let's explore some frequently asked questions about payment gateways in the UAE.
FAQ
1. Do I need a UAE trade license to use a payment gateway?
Yes, you typically need a valid UAE trade license to use a payment gateway in the UAE. This is a legal requirement for conducting business and accepting online payments in the country.
2. Which payment gateways are popular and approved in the UAE?
Some popular and approved payment gateways in the UAE include:
Stripe
Telr
PayTabs
CCAvenue
3. Can I accept international payments through UAE gateways?
Yes, most UAE payment gateways support international payments. This allows businesses to accept payments from customers worldwide, expanding their market reach.
4. What are the typical fees for payment gateways in the UAE?
Fees for payment gateways in the UAE typically include:
Setup fees
Monthly maintenance fees
Transaction fees (usually a percentage of the transaction amount)
Currency conversion fees for international transactions
Exact fees vary by provider and transaction volume.
5. How long does it take to get paid?
The time it takes to receive payments varies depending on the payment gateway and your bank. Generally, it can take anywhere from 1 to 7 business days for funds to be transferred to your account. Some gateways offer faster settlement times for an additional fee.
Now that we've covered the most common questions about payment gateways in the UAE, let's look at the overall best payment gateway option for businesses in Dubai and the UAE.
Conclusion
Choosing the right payment gateway is crucial for the success of your eCommerce business in the UAE. By considering factors such as security, transaction fees, and integration capabilities, you can ensure a smooth and efficient payment process for your customers. The top payment gateways in the UAE offer a range of features and benefits, catering to different business needs and preferences.
As you embark on your journey to select the best payment gateway for your online store, remember to prioritize your specific requirements and those of your target audience. By doing so, you'll be able to provide a seamless shopping experience, build trust with your customers, and ultimately drive growth for your eCommerce venture in the UAE's dynamic digital marketplace.
