Ever abandoned an online purchase due to complicated checkout processes?

Nowadays, consumers anticipate secure, seamless, and prompt transactions. This is where payment gateways in the UAE come in.

These technological platforms are intermediaries between electronic financial transactions, bridging the gap between customers and businesses. It facilitates payment processes by smoothly and efficiently accepting several payment methods like credit cards, debit cards, and digital wallets.

Keep reading this comprehensive blog to explore the list of best payment gateways in UAE and how they enhance customer trust, improve sales, and keep businesses competitive.

Go Cardless With an Online Payment Gateway in UAE – How Does It Work? 

Now that you know what a payment gateway is, let’s look at how it fits into the card payment process. Let’s cover every stage of the payment journey from initiation to settlement. 

• Enter card details on the payment page, including the cardholder’s name, number, expiration date, and CVV code. 
• The payment gateway encrypts the card details and transmits them to the acquiring bank for authorization. 
• The acquirer sends information to the card schemes. After performing additional fraud checks, the scheme transmits the payment data to the issuer. 
• After completing the fraud screening measures, the issuer authorizes the transaction while ensuring the cardholder has enough funds to purchase. 
• The issuer confirms whether the transaction has been accepted or declined by the card schemes to the acquirer. 
• The confirmation message is sent to the payment gateway. The customer will be directed to a payment confirmation page, depending on the message. 
• Once the payment is approved, the settlement process begins. The acquiring bank collects the payment from the issuing bank and temporarily holds the funds in the merchant account. 
• The final settlement depends on the merchant’s agreement with their payment service provider.

Best Payment Gateways in UAE To Streamline Transactions! 

Payment gateways are like secret agents, ensuring everything runs smoothly in online shopping. According to research conducted by Statista, the e-commerce market has generated a revenue of  US$9.234 billion. It is projected to reach US$13.02 billion by 2028, with an expected CAGR of 7.11%.

01: Telr 

Telr UAE is an award-winning payment provider and aggregator that offers secure, seamless online payment solutions for businesses of all sizes. Supporting multiple currencies and enabling global transactions, this payment gateway in Dubai accepts major credit and debit cards ( Visa, Mastercard, Amex,  Apple Pay, Samsung Pay, SADAD, NetBanking, and more. ) In addition to this, it supports multiple currencies, including AED, USD, EUR, GBP, and SAR. 

Features: 

• PCI-DSS Level 1 compliance
• Fraud prevention tools
• Tokenization
• 3D Secure authentication for enhanced security 
• Branded payment links and invoices 

Pricing:

02: PayTabs 

Discover the power of integrated digital and social payment orchestration solutions with PayTabs UAE. It swiftly and securely processes transactions in multiple currencies and markets. By providing the infrastructure for B2B payment solutions, including digital invoicing for businesses, QR codes, social media payments, point of sale, and switching platforms, PayTabs facilitates seamless e-commerce and social commerce solutions for merchants and governments. 

Features: 

• Single integration with several payment methods 
• Adapts automatically to the available data 
• It can be used standalone or within an iFrame 
• Responsive design 

Pricing:

03: 2Checkout 

2Checkout UAE (now known as Verifone) is a global payment gateway platform encouraging businesses to accept payments seamlessly. It supports multiple payment methods, including credit/debit cards, PayPal, and digital wallets, in more than 200 countries and 45 currencies.

Features:

• Invoice management 
• Reduce backend internal work 
• Optimize conversion carts 
• Robust fraud protection 
• PCI-DSS Compliance 

Pricing:

04: CCAvenue 

CCAvenue UAE is one of the leading solutions and e-commerce technology solution providers, offering digital solutions to all platforms, including governments, domestic, merchants, corporations, enterprises, etc. As one of the safest payment solutions, it allows admin to accept payments via payment methods like credit/debit cards, net banking, bank transfer, and more. 

Features:

• Personal and payment information is kept confidential 
• Sandbox testing coffee for testing functionalities 
• Smart dynamic routing 
• Easy customization 

Pricing:

05: Amazon Payment Services 

It offers businesses a streamlined checkout experience using Amazon payment system. Customers can pay using their saved Amazon account details, reducing friction and enhancing convenience. Amazon Pay supports multiple payment methods, including credit/debit cards and bank transfers. 

Features:

• Security with fraud detection 
• Easy API integration 
• Voice-enabled payment options for Alexa
• PCI compliance

Pricing:

06: CashU 

CashU is the cheapest payment gateway in the UAE, and its digital wallet helps customers transfer payments. It is known for issuing plastic MasterCard and prepaid virtual cards to customers. Now, it has approx 7000 plus merchants and 75000 plus merchants partnered with the online payment gateway in UAE, and according to reports, this portal has around 2.3 million customers throughout the MENA region. 

Features:

• Offers customized solutions according to merchants 
• English and Arabic Language 
• CashU digital wallet can pay on platforms like Netflix, Skype, Amazon, and more.e 
• Fraud Prevention and AML systems 

Pricing:

07: Cybersource 

Cybersource payment gateway enables debit and credit card payments online worldwide. It securely and efficiently processes every transaction from its inception to its completion. This online payment gateway platform in UAE is built on Visa’s world-leading infrastructure. Its 100% uptime reduces risk to your brand reputation. 

Features:

• Seamless payment integration with easy-to-integrate APIs 
• Accepts payment online and in-stores with over 50 currencies 
• Can deal with 8000 transactions per second 

Pricing:

Note: CyberSource does not publicly disclose specific pricing details. Their fees are tailored to each business’s unique requirements, including transaction volume, business model, and geographic location. To obtain accurate pricing information, you should contact CyberSource directly for a customized quote. 

08: Razorpay 

With easy integration, quick online boarding, and a feature-rich checkout, Razorpay UAE makes online payment effortless for users. With domestic and international credit/debit cards, buy-now-play-later options, and net banking from various banks, this payment gateway platform in UAE provides the most extensive set of payment methods.

Features:

• PCI DSS Level 1 compliant along with frequent third-party audits 
• Get detailed statistics on payment settlements and refunds 
• Global card saving 
• Well-developed APIs, plugins, and libraries for various languages 

Pricing:

09: PayPal ( Payflow Gateway ) 

Payflow is PayPal’s payment gateway. Merchants secure and open gateway. Using the best payment gateway in UAE, merchants can process debit and credit card payments using the best payment gateway. Merchants who want total control over the checkout experience can host their pages and send transactions to PayPal using the open Payflow Gateway. 

Features:

• Customized checkout processes using APIs 
• Get paid quickly and daily 
• PCI-compliant hosted templates 
• Basic and advanced fraud protection levels 

Pricing:

10: Skrill 

The Skrill payment gateway allows you to accept payments through credit cards, debit cards, and various alternative payment methods globally. With Shopify, this payment gateway platform in the UAE offers a fully integrated payment solution, which is quick and easy to install, giving you access to all the latest features so you can begin accepting payments within hours.

Features:

• Redirect functionality 
• Instant settlement 
• Enhanced reporting and transaction status viewing 
• Multicurrency account of 40+ currencies  

Pricing:

11: Stripe 

Stripe counted as one of the well-known payment gateways in the UAE, it increases conversions with built-in optimizations, access to 100+ payment methods, and instant checkout. Streamline online payment processes and improve authorization rates with Stripe’s machine-learning-powered optimizations. 

Features 

• Payment methods in local and international currencies 
• Optimized checkout experience 
• Expand to new markets faster 

Pricing:

12: Payoneer

Payoneer is a global payment gateway that seamlessly lets users send and receive cross-border payments. It supports multiple currencies and allows users to be paid via bank transfers, credit cards, and e-wallets. With competitive transaction fees and direct bank withdrawals, Payoneer is preferred by e-commerce service providers. 

Features:

• Simplified and user-friendly platform 
• Automated payment selection 
• Fraud-free and secure transaction 
• Complies with local regulatory authorities 

Pricing:

13. Apple Pay 

Apple Payments’ gateway solution is aimed at a mobile payment structure. It enables merchants to manage their payments using Face ID and Touch ID, which is advantageous for customers seeking an electronic wallet to manage their expenses. This online payment gateway in the UAE allows retailers to accept payments from one billion iPhone users worldwide, with over half utilizing Apple Pay. 

Features:

• Easy and secure payments in iOS, iPad, and WatchOS applications 
• Quick and instant payments through Face ID/Touch ID 
• Enhanced user experience 

Pricing:

Note: Apple does not charge fees when you use Apple Pay in stores, online, or through apps.

14. Authorize.net 

Authorize.net is one of the oldest payment gateway in Dubai, Authorize.net is available in 33+ countries and serves 400,000+ customers. It makes accepting payments through various processors and platforms possible, allowing retailers to accept PayPal payments, Apple Pay, and most major credit cards.

Features:

• Advanced fraud detection 
• Secure customer data 
• Recurring payments 
• Simple checkout 
• Invoicing 

Pricing:

15. Adyen 

Adyen payment gateway is built for both point-of-sale and online purchases. It accepts a wide range of payments from all the major credit cards and providers, such as Apple Pay. It has proven its ability to handle large volumes of transactions with brands such as Uber, Linkdln, and Microsoft. 

Features:

• Seamless integration 
• Global payment methods 
• One-click payments 
• Customizable checkout 

Pricing:

The Final Word – Choose The Right Payment Gateway For Your Business’s Success! 

With an in-depth and comprehensive knowledge of pricing, functions, and payment gateway security, your business can choose the right option for its needs and add a new level of protection for users when making an online purchase. Whether you prioritize low fees, multi-currency support, or fraud prevention, numerous payment gateways in UAE suit your business needs.

As you integrate the best payment gateway for your business, do not forget the significance of optimizing your website’s user experience.  A professional web design agency in Dubai can assist in creating a seamless, user-friendly interface that integrates smoothly with your chosen payment gateway. 

FAQs (Frequently Asked Questions) 

• What is the difference between an e-wallet and a payment gateway? 

Digital wallets store information on payments for easy payments, whereas payment gateways check and process card payments. 

• Which is the fastest payment gateway?

Razorpay is widely recognized as one of the fastest payment gateways, offering lightning-fast API response times, minimal downtime, and quick transaction settlements,

• Who pays payment gateway charges? 

To ensure smooth transactions securely, payment gateways charge a small fee from the merchant.