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You’ve just closed a sale, and now your customer is ready to pay… only you don’t have a simple way for them to check out. Asking for a bank transfer forces your buyer to open their banking app, add a new beneficiary with an IBAN, and on and on.
Luckily, payment links help remove this friction by turning any chat conversation into an instant checkout. All you have to do is share your URL, ask your customer to click it, and enter their details directly into the link. It’s that simple.
In this article, we’ll help you find the right payment link tool for you by comparing the fees and features of some popular UAE-based payment link tools for businesses in the UAE, including Ziina, Amazon Payment Services, Tap Payments, and Checkout.com.
Read more: Payment links: How to accept payments online without a website
Comparison table: Popular payment link tools for businesses in the UAE
| Provider* | Might be a fit for | Transaction fees** | Likely payout speed |
|---|---|---|---|
Ziina | Entrepreneurs, e-commerce businesses, freelancers, pop-up vendors, and restaurants in the UAE | 2.6% + 1 AED | 1 – 2 business days for amounts under 25,000 AED, subject to bank processing times. 24h cashouts are available for eligible users. |
Amazon Payment Services | Mid-sized to large businesses that need integrated invoicing and regional checkouts | 2.80% + 1 AED (on a Standard plan) | Around 7 days (weekly basis) |
Tap Payments | Sellers needing local payment coverage across the GCC region | Confirm with provider | Transactions are often settled in 5 business days, and will be made for free to your bank account weekly, every Tuesday |
Checkout.com | Enterprise-level businesses with high transaction volumes that need custom payment infrastructure | Confirm with provider | Varies by payment method |
Note: Fees shown reflect publicly available standard pricing and may vary depending on card type, transaction volume, currency, settlement arrangement, additional services and VAT. Onboarding and payout timelines are indicative and may depend on successful verification, banking arrangements, and other eligibility requirements.
Read more: Comparing payment solutions for UAE merchants
How to use Ziina’s payment links as a UAE business
Since this is our article, it makes sense to start with ourselves.
Ziina is a popular UAE payments app that helps you easily create, edit, and share payment links across social media. Our platform is specifically designed to help local businesses collect payments quickly, whether that’s online, in-person, within the UAE, or abroad.
“Ziina does both in-person and online payments, which can help to make your admin load easier to manage as you scale.”
Here’s what you can do once you sign up with Ziina:
- Generate payment links directly inside chats: The ZiiBoard is a patented custom keyboard which you can use to send payment links without ever leaving your conversation.
- Accept global payment methods: Let buyers pay with Visa, Mastercard, Amex, Apple Pay, or Google Pay, with support for 10 non-AED currencies that settle into your Ziina account as AED.
- Customize your checkout branding: Add your logo, collect delivery addresses, request custom notes, or enable customer tipping on reusable links across Instagram DMs and group chats.
- Benefit from transparent pricing: We charge a simple 2.6% + 1 AED rate per transaction, with an additional 1.5% for international cards. Please check our pricing and fees page for more information.**
- Access quick payouts: Transfer funds to your bank account in just 1 – 2 business days for amounts under 25,000 AED, subject to bank processing times. 24h cashouts are available for eligible users.***
Here are some alternative payment link tools* to compare…
Amazon Payment Services
Amazon Payment Services is a regional payment processing platform that could be a fit for established businesses across the MENA region.
Key features:
- Send payment links: Deliver individual links directly to your customers – no website required.
- Customize and batch invoices: Send out invoices in batches and customize layouts using existing templates to match your brand.
- Accept regional payment options: Support digital wallets, local payment methods, and over 100 currencies across the MENA region.
- Save card details for repeat buyers: Store customer card details securely for future purchases and track online payments from a single dashboard.
Pricing: APS’s Standard plans offer a per-transaction fee of 2.80% + 1 AED if you’re processing less than 300,000 AED each month. There are also custom plans for businesses processing higher volumes than this.
Tap Payments
Tap Payments is a Middle Eastern payment provider that helps businesses accept online payments, manage payouts, and scale across the UAE and the broader GCC zone.
Key features:
- Support local and regional payment methods: Accept Visa, Mastercard, American Express, PayPal, Apple Pay, Google Pay, and Tabby.
- Create branded payment links: Add logos, items, and business details to links, or import brand assets directly from your Instagram profile.
- Send and manage bills in messaging apps: Share payment links easily, send unpaid bill reminders, and duplicate past bills to easily reuse with repeat customers.
- Track bill status across marketplaces: Monitor when bills are sent, viewed, paid, or refunded, and split funds or deduct commissions across multi-vendor setups.
Pricing: Exact rates to be confirmed with provider.
Checkout.com
Checkout.com is a global payment service provider that offers custom, cloud-native payment infrastructure and that could work for larger, more complex businesses.
Key features:
- Process payments globally: Accept payments in a high number of currencies across countries.
- Support major payment methods: Process major credit cards, digital wallets, direct debit, bank transfers, and voucher schemes.
- Create secure payment links: Send payment links over email, SMS, and social channels and help your customers check out easily.
Pricing: Exact pricing to be confirmed with provider, though Checkout.com mentions using flat-rate pricing based on your business profile and risk category, with no setup, account maintenance, or surprise fees.
Choosing the right payment link tool for your UAE business
Choosing a payment link tool that works for your business comes down to balancing fees, features, and setup speeds.
In this article, we’ve compared four popular payment link tools for businesses in the UAE: Ziina, Amazon Payment Services, Tap Payments, and Checkout.com.
Ready to get started with Ziina?
*Disclaimer: All information relating to third-party products and companies featured in this article has been sourced solely from their respective public websites and official publications at the time of writing August 2026. Ziina makes no representations as to the accuracy, completeness, or currency of this information. Product features, positioning, and company details may have changed since publication. Readers should refer to each provider's official website for the most up-to-date information before making any purchasing decisions.
**Disclaimer: Fees shown reflect publicly available standard pricing and may vary depending on card type, transaction volume, currency, settlement arrangement, additional services, and VAT. For the most up-to-date information, consult individual providers.
***Disclaimer: With Ziina, some users may be able to get started with basic verification, such as Emirates ID verification, but requirements may vary depending on the user’s business activity, transaction volume, account type, and applicable legal or licensing obligations. Customers remain responsible for ensuring they hold any trade license, permit, tax registration, or other approval required for their business activities.
This article was published in September 2026.
Sources:
- https://paymentservices.amazon.com/payment-link
- https://paymentservices.amazon.com/pricing
- https://paymentservices.amazon.com/support-center/faq?kw=refunds
- https://www.tap.company/en-ae
- https://www.tap.company/en-ae/products/billing-app
- https://support.tap.company/en/support/solutions/articles/153000140304-when-are-payouts-made-to-bank-accounts-in-uae-
- https://www.checkout.com/en-ae
- https://www.checkout.com/pricing
- https://support.checkout.com/hc/en-us/articles/27579056949650-What-time-will-my-settlement-be-paid-out
- https://ziina.com/blog/payment-gateways-for-international-payments