Global e-commerce sales are projected to reach $7.4 trillion by 2025, a 74% increase from 2020. With online transactions becoming the norm, businesses in the UAE need a reliable, secure, and efficient payment gateway to keep up with demand and enhance customer experience.
Stripe payment gateway UAE is a widely trusted solution that enables businesses to accept payments seamlessly, supporting multiple currencies and payment methods.
Whether you run an e-commerce store, subscription service, or custom website, integrating Stripe ensures a smooth checkout process.
This guide provides a step-by-step approach to implement Stripe payment gateway, making online payments effortless for businesses and their customers.
What is Stripe?
Stripe is a global technology company that offers economic infrastructure for online payments. It enables businesses to accept payments over the internet, providing tools to manage revenue, prevent fraud, and expand internationally. Stripe’s user-friendly interface and robust security measures have made it a preferred choice for businesses of all sizes.
Availability in the UAE
As of April 2021 Stripe officially launched its services in the UAE, marking its first expansion into the Middle East. This launch allows businesses operating online in the UAE to utilize Stripe to accept payments, make payouts, mitigate fraud, and reach customers globally. The establishment of a new office in Dubai Internet City underscores Stripe’s commitment to the region.
Benefits of Using Stripe in the UAE
Here are some benefits of using Stripe in UAE.
- Global Reach: Stripe supports over 135 currencies, enabling businesses to cater to a worldwide customer base.
- Secure Transactions: With advanced fraud detection and 3D Secure authentication, Stripe ensures secure payment processing.
- Developer-Friendly: Stripe offers extensive APIs and documentation, facilitating seamless integration and customization. Explore some of the best eCommerce APIs that can further enhance your online store functionality.
- Comprehensive Tools: Beyond payment processing, Stripe provides invoicing, billing, and tax calculation services, streamlining business operations.
Step-by-Step Process to Implement Stripe Payment Gateway
Setting up Stripe payment gateway in the UAE is a straightforward process. Whether you run an e-commerce store, service-based business, or a subscription platform, Stripe makes it easy to accept online payments securely. Follow these steps to integrate Stripe smoothly into your website.
Step 1: Create a Stripe Account
- Visit Stripe UAE and create an account.
- Provide your business details, including:
- Company name & trade license (for registered businesses).
- Emirates ID (for sole proprietors or freelancers).
- UAE bank account details for receiving payouts.
- Stripe may require additional verification before activating your account.
Step 2: Get Your API Keys
- After your account is set up, go to Stripe Dashboard → Developers → API Keys.
- You’ll find two keys:
- Publishable Key (for frontend integration, visible to users).
- Secret Key (for backend payment processing, keep this confidential).
- These keys enable secure communication between your website and Stripe’s servers.
Step 3: Choose Your Integration Method
Stripe offers multiple integration options, depending on how your website is built:
Method 1: No-Code Integration (For E-commerce Platforms)
If you’re using an e-commerce platform like Shopify, WooCommerce, Wix, Magento, etc.:
- Go to your payment settings and select Stripe as your payment provider.
- Enter your Stripe API keys to enable payment processing.
- Configure your currency settings (AED recommended) for UAE transactions.
Method 2: Custom Integration (For Developers & Custom Websites)
If your website is custom-built (e.g., WordPress, Laravel, React, or PHP-based):
- Install Stripe SDK or libraries depending on your technology stack.
- Use Stripe.js to securely capture and process card details.
- Implement 3D Secure authentication (SCA compliance) to meet UAE banking regulations.
Step 4: Integrate Stripe Checkout on Your Website
You can integrate Stripe checkout on your website in two ways:
For E-commerce Platforms (WooCommerce, Shopify, Wix, etc.)
- Install the Stripe Payment Gateway plugin (if not already integrated).
- Enable Stripe, enter your API keys, and configure:
- Accepted payment methods (Visa, Mastercard, Apple Pay, Google Pay).
- AED currency to avoid exchange rate issues.
- Subscription billing (if offering recurring payments).
For Custom Websites
- Create a secure checkout form where users enter their card details.
- Use Stripe Elements for a smooth, mobile-friendly UI.
- Integrate 3D Secure authentication for enhanced security.
Step 5: Set Up Payment Processing
To ensure smooth payment operations, configure:
- Accepted Payment Methods: Enable Visa, Mastercard, Apple Pay, Google Pay.
- Local Currency Support: Ensure payments are processed in AED to avoid additional conversion fees.
- Fraud Protection & Compliance: Enable 3D Secure authentication (SCA) to comply with UAE banking regulations.
- Automatic Payouts: Set up Stripe to transfer funds to your UAE bank account at your preferred frequency (daily, weekly, or monthly).
Step 6: Implement Webhooks to Track Payments
- Webhooks notify your system about payment events (successful transactions, refunds, chargebacks, etc.).
- Go to Stripe Dashboard → Developers → Webhooks and set up event notifications.
- This helps automate order confirmations and keep records updated.
Step 7: Test Your Payment Gateway Before Going Live
Before processing real payments, test your integration in Stripe’s Test Mode:
- Use test credit card numbers (provided in Stripe’s documentation).
- Simulate transactions:
- Successful payments
- Failed payments (e.g., expired card, insufficient funds)
- Refunds & chargebacks
- Verify your checkout flow, error handling, and notifications.
Step 8: Activate Live Mode & Start Accepting Payments
Once testing is complete:
- Switch to Live Mode in the Stripe Dashboard.
- Replace test API keys with your live API keys.
- Double-check your payout settings to ensure Stripe transfers funds to your UAE bank account.
- You’re now ready to accept real payments from customers!
Selecting the Right Business Type for Your Stripe Account in the UAE
When applying for a Stripe UAE account, you must select the appropriate business type. Stripe only supports specific business structures in the UAE, and having the right documentation is essential for approval.
Supported Business Types
To integrate Stripe, your business must fall under one of the following categories:
- Companies, LLCs, Single Member LLCs, Civil Companies, Partnerships, Branches of Foreign Companies
- Sole Establishments, Free Zone Establishments
Additionally, you must have a valid trade license or freelancer permit issued in the UAE. Individuals without a trade license, NGOs, non-profits, or government organizations are not currently supported.
Choosing Your Business Type
During the application, you’ll need to confirm:
- Your Business Type – Based on your trade license, you must select either
- Company/LLC – Includes LLCs, Civil Companies, Partnerships, Branches of Foreign Companies, and similar structures.
- Sole Establishment – Includes Sole Proprietorships and Free Zone Establishments (FZE).
- Free Zone Registration – You must indicate whether your business is registered in a UAE free zone or not.
- For more details on required documents for Stripe verification, refer to Stripe’s support page.
Common Challenges & Solutions in UAE Stripe Integration
Setting up Stripe in the UAE can streamline online payments, but businesses may encounter challenges during the integration process. Here’s how to tackle the most common issues effectively.
Bank Verification Issues and How to Resolve Them
One of the most common challenges in Stripe UAE integration is bank verification failures. This often happens due to incorrect IBAN details, mismatched account names, or unsupported bank accounts. To resolve this:
- Ensure your IBAN and account details match those on your trade license.
- Use a business bank account registered under your company name.
- Verify that your bank supports Stripe payouts in AED.
- If issues persist, contact Stripe support or check with your bank.
Payment Delays and Troubleshooting Steps
Businesses may experience delayed payouts when using Stripe payment gateway UAE, especially for new accounts or large transactions. To prevent and resolve delays:
- Ensure your business verification is complete with all required documents.
- Regularly check for compliance alerts in your Stripe dashboard.
- Keep your banking information updated to avoid transfer failures.
- Stripe may place a hold on large or suspicious transactions for security—contact support if needed.
Compliance and Legal Considerations for UAE Businesses
Integrating Stripe in UAE requires compliance with local regulations, including having a valid trade license or freelancer permit.
Key legal aspects to consider:
- Your business type must be registered as an LLC, sole proprietorship, or free zone entity.
- VAT registration is necessary if your revenue exceeds the UAE threshold.
- Ensure terms and conditions, refund policies, and data protection measures comply with UAE e-commerce laws.
- Failure to meet compliance requirements can lead to Stripe account suspension or payout holds.
Stripe Fees in UAE: How Much Does It Cost?
Understanding Stripe’s fee structure is crucial for businesses in the UAE planning to integrate this payment gateway. Below is a detailed breakdown of the costs associated with using Stripe in the UAE:
Transaction Fees
| Fee Type | Description | Cost |
| Domestic Cards | Charges for payments made with UAE-issued cards. | 2.9% + AED 1.00 per successful charge |
| International Cards | Additional fee for payments made with cards issued outside the UAE. | Extra 1% per transaction |
| Currency Conversion | Applied when a transaction involves converting currencies. | Additional 1% per transaction |
Additional Fees
| Fee Type | Description | Cost |
| 3D Secure Authentication | Verification method to authenticate a customer’s identity before an online card purchase. | Included in standard pricing; $0.03 per attempt for accounts with custom pricing |
| Disputes (Chargebacks) | Fee incurred when a customer disputes a charge. | AED 60.00 per dispute |
| Card Account Updater | Service that automatically updates expired or renewed card information for saved customers. | AED 0.90 per update for accounts with custom pricing |
Value-Added Tax (VAT)
| VAT Applicability | Description |
| With VAT ID | Stripe does not charge VAT on its fees to UAE account holders who have provided a valid UAE VAT ID. |
| Without VAT ID | If no valid VAT ID is provided, Stripe will apply UAE VAT to all its fees. Account holders can update their VAT ID in the Dashboard under Tax Details. |
For more detailed information, please refer to Stripe’s official pricing page and their support article on taxes for UAE businesses.
Bottom Line!
Integrating Stripe payment gateway in the UAE is a strategic move for businesses looking to expand their online payment capabilities. With its ease of integration, advanced security, and competitive pricing, Stripe provides an all-in-one payment solution that caters to small businesses, startups, and enterprises alike.
However, integrating a payment gateway is just one part of building a successful online store. If you’re planning to develop a custom eCommerce website, partnering with a trusted eCommerce development company in Dubai like Aun Digital can help you not only create a powerful online store but also seamlessly integrate secure payment gateways like Stripe.
By following this step-by-step guide, you can confidently implement Stripe payment gateway on your website, ensuring a seamless and secure payment experience for your customers.
For the latest insights, information, and trends in the digital marketing world, visit the Aun Digital Blog, where we regularly update and share valuable content.
FAQs About Stripe in UAE
Is Stripe available in the UAE?
Yes, Stripe is available in the UAE for businesses with a valid trade license or freelancer permit. Check Stripe’s official website for the latest updates on Stripe UAE availability.
How much does Stripe cost in UAE?
The Stripe fees UAE structure includes 2.9% + AED 1.00 per domestic transaction. International transactions incur an additional 1% fee, plus 1% for currency conversion if applicable. Extra charges apply for disputes and VAT.
Does Stripe work in UAE for freelancers?
Yes, freelancers can use Stripe in UAE if they have a valid freelancer permit. However, individuals without a trade license are not eligible to implement Stripe payment gateway for processing payments.
Can Stripe be used for international payments in the UAE?
Yes, businesses can accept international payments in UAE with Stripe. A 1% cross-border fee applies for international card payments, and currency conversion fees may also be charged.
What is the payout duration for UAE businesses?
Stripe UAE payout time is 7 business days for standard accounts. High-risk businesses may experience longer payout durations based on Stripe’s risk assessment policies.
