9 payment gateways for international payments in the UAE

Finding a payment gateway that lets you accept both local and international payments is more complicated than it seems: many providers charge extra fees for international cards and currency conversion, and that can be on top of setup costs and maintenance fees.

What you're looking for is a payment gateway that:

To help you find the right solution, we’ll compare 9 of the best payment gateways for international payment processing in the UAE based on payout speed, multi-currency support, transaction fees, and more.

In this guide:

Ziina is a payment app and gateway that helps businesses accept local and international payments from the UAE. Get onboarded in minutes, add Ziina to your checkout flow, and let your customers pay in 10 different currencies.

Ziina is an all-in-one payment solution that helps UAE businesses accept payments from across the world.

Through our payment gateway solution, you can add an online checkout to your website and start accepting local, regional, and global payments through a single integration.

Here’s what you can do when you partner with Ziina:

For many businesses, integrating Ziina’s payment gateway into Shopify, WooCommerce, or a custom website can be completed quickly using our ready-made plugins and onboarding guides.

Here’s how to get started:

Once you're set up, you can start accepting payments through a secure online checkout (standard processing fees apply in line with Ziina’s pricing terms).

That's actually what attracted LAS Club to Ziina. Before switching, the UAE-based beauty brand struggled with high fees, complicated integrations, and limited support. After implementing Ziina's Shopify integration, the team was able to launch quickly and create a smoother checkout experience for customers.

Within eight months, LAS Club sold more than 4,000 units of its flagship product and achieved 40% month-on-month revenue growth.

“The integration process was so easy. It took five clicks and no technical understanding. The website checkout experience is critical to our success, and I am grateful Ziina made it so convenient. As an entrepreneur navigating complexities all day long, the simplicity with Ziina was a huge relief!” said the co-founder, Sami Salem.

And with support for 10 currencies, including AED, USD, EUR, GBP, and SAR, customers can pay in a currency they already know and trust, while all settlements are processed in AED.

As for payment methods, you can accept Apple Pay, Google Pay, Visa, Mastercard, or Amex debit and credit cards.

There are no subscriptions, opening charges, or hidden fees with Ziina. The fee for receiving both local and international payments is a transparent 2.6% + AED 1 per transaction (VAT applies). For payments made with international cards or in a non-AED currency, an additional 1.5% fee per transaction applies.

Ziina is based in the UAE and was built for UAE businesses. This means you’ll get local support in both English and Arabic.

Instead of waiting days for a response from a global support team, you can get help from people who understand the local market. We aim to respond to customer queries within 30 minutes.

The experience is just as smooth for your customers. The average Ziina checkout takes around four seconds, helping reduce cart abandonment and bring in more sales.

Once your customer has paid, those funds will be quickly deposited into your Ziina account. From there, transferring them to your bank account takes 1-2 business days for amounts under 25,000 AED (and often within 24 hours, subject to bank processing times). Eligible users can access instant withdrawal options.

Alongside our international payment gateway for website builders, Ziina also lets you accept domestic and international payments across every channel your business uses.

For example, you could use Ziina to:

Plus, Ziina also allows you to track all sales across all channels from one single app.

Stripe¹ is a global payment platform designed to handle card payments in 139 different currencies.^1a Stripe allows you to unify your online and in-person sales to create a more consistent customer experience, offering access to over 100 payment methods.

To help local conversion, Stripe uses Adaptive Pricing to present prices to your customers in their own local currency based on the latest exchange rates.

When using Stripe for international processing, it's helpful to understand their fee structure:

You can also use your own domain while hosting your payments page or customer portal on Stripe for $10 USD per month.

PayPal’s² Payflow payment gateway is available in more than 200 countries and regions. PayPal users can accept payments in 24 currencies around the globe.^2c The gateway lets you process debit and credit card payments, PayPal Credit, authorizations, captures, and credit voids.^2a

You can accept all major debit and credit cards, including Visa, Mastercard, American Express, Discover, JCB, and Diners Club. Payflow also supports L2/L3 purchase cards, prepaid cards, foreign currencies, TeleCheck, and ACH.

For the checkout experience, you have several options, such as:

You can also integrate several additional services into your workflow:

The system is designed with a mobile-friendly flow so customers can shop on any device.^2b

Telr³ supports payment processing in over 130 currencies through 15 different payment methods, including Mastercard, Visa, AMEX, Mada, and Apple Pay. It offers local settlement and provides services in 30 different languages.

To help you reach customers wherever they are, Telr allows you to create unlimited payment links that you can share through social media or instant messaging.

Here are a few things to keep in mind regarding their features and costs:

Telr also uses tokenization for the card numbers of repeat visitors. This lets your customers save their details for a faster checkout without compromising their security.

Mamo⁴ supports 15 non-AED currencies, including USD, EUR, GBP, CAD, SAR, and CHF. Mamo can also offer same-day settlement.

With Mamo, you can add your own branding to your checkout and choose exactly what data you want to collect from your customers. The payment gateway allows you to offer multiple payment options, such as:

All sales are automatically tracked and provided to you through in-depth reports. Mamo is PCI DSS compliant.^4a

Network International’s⁵ N-Genius payment gateway was tailored for businesses across the Middle East and Africa. You can let your customers browse and pay in their preferred currency based on their IP location, delivering a localized shopping experience where prices update in real time. Enabling multi-currency processing typically involves no additional fees, though standard exchange rates apply.^5b

The platform offers several ways to take payments and manage your store:

To protect your business and customers, the gateway includes advanced fraud prevention tools and risk management controls. Their 24/7 support team is based locally across the region to ensure you receive assistance when you need it.^5a

With Amazon Payment Services⁶, payments cost 2.80% + 1 AED per transaction, though international rates may be higher. You can process payments in over 100 currencies.

You also have the option to add "paying in installments" to your checkout for an additional 4 AED per transaction.^6b

While there are no setup or integration fees, the onboarding process typically takes 20 to 30 days after you submit all required documents.^6c

Here is how the service manages payments and data for regional businesses:

The service is currently available in nine countries across the MENA region and provides support during standard business hours.

Checkout⁷ is an international payment gateway that supports processing in over 145 currencies. It offers domestic processing in 55 countries and supports almost 20 settlement currencies.^7b

There are no setup fees, account maintenance fees, or surprise charges.^7c While cashout times can vary depending on the transaction type, bank transfers typically take up to three days.^7d

The platform provides several ways to build and manage your payment experience:

Through Checkout’s global network, you can access a wide range of payment methods, including Apple Pay, Google Pay, PayPal, and regional options like KNET.

CCAvenue⁸ is an Indian multi-channel payment solution that caters to nearly 3 million merchants. They have established a dedicated UAE branch and a regional office.

For online transactions using domestic Visa or Mastercard, CCAvenue charges 1.90% in platform fees per transaction. While the gateway allows you to process payments in 27 different currencies, international currency processing costs 3.50%, and American Express transactions are charged at 3%.^8a

The platform includes several features to manage your sales and security:

Choosing the right payment gateway for cross-border payments in the UAE comes down to more than just fees. You need a solution that fits how your business operates today – and can scale with you as you grow across channels, currencies, and markets.

If you’re looking for a UAE-based solution that combines international payment support with fast onboarding, transparent pricing, quick payouts, and tools like Tap to Pay, payment links, QR codes, and invoicing, Ziina gives you everything you need in one platform.

*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. 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: Availability of Ziina products and features is subject to eligibility, successful verification, device compatibility, applicable transaction limits, Ziina’s terms and conditions, and regulatory requirements. Customers are responsible for ensuring they hold any trade license, permit, tax registration, or other approval required for their business activities. Fees, limits, payout timelines, and product features may vary and are subject to change. Please refer to Ziina’s latest terms and pricing for full details.

This article was published in July 2026.

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