What are some good payment link tools for startups?
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When you’re building a startup, every customer interaction matters. You’ve worked hard to get your product out of stealth, attract your first clients, and build a professional brand. The last thing you want is for a buyer to drop off because they’re faced with a clunky, time-consuming checkout process.
That’s where switching to payment links can help. With a simple shareable URL, you can send customers straight to a secure checkout page as soon as they’re ready to pay, regardless of the online channel.
There are many options out there when it comes to payment link providers, so choosing the right tool might feel overwhelming. To make things easier, we’ll compare the fees, features, and ease of use of 4 popular payment link apps in the UAE: Ziina, Amazon Payment Services, Mamo, and Nomod.
Comparison table: Popular payment link tools for businesses in the UAE
| Provider* | Why it could suit startups | Transaction fees** | Likely payout speeds |
|---|---|---|---|
Ziina | Quick onboarding, multi-channel payment tools, transparent pricing, and convenient cashouts. | 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 | Share payment links in many currencies, invoice in batches, and consolidate everything in a single dashboard. | 2.80% + 1 AED (on a Standard plan) | Around 7 days |
Mamo | No transaction limits, and corporate cashback cards. Offers same-day settlement for eligible users. | Either 2.9% + 1 AED or 2.7% + 0.8 AED (depending on your plan) | Around 2 – 5 days |
Nomod | Frequent payouts, accept payments in many currencies through major UAE payment methods (such as Tabby or Tamara). | 2.37% + 0.80 AED, though rates vary based on the payment method used | Flexible payout schedules, including same-day, two-day, or weekly transfers to your bank account. |
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: Compare leading payment providers for UAE merchants
How to use Ziina’s payment links as a UAE business
Since we’re writing this article, it makes sense to start with ourselves: Ziina is our UAE-based payments tool built for startups, e-commerce businesses, restaurants, freelancers, and more.***
You can create and share Ziina payment links across your sales channels, and you can customize your links to fit your startup’s needs. For example, add your brand logo, colors, and add/remove fields (such as VAT, tipping, custom requests, or delivery addresses). Our links are editable even after they’re live, and you can reuse the same link multiple times if you’d like.
Here’s what else you can do when you sign up for Ziina:
- Try the ZiiBoard: A patented custom keyboard that helps you create payment links without ever needing to leave the chat.
- Accept major payment methods: Clients can pay using Visa, Mastercard, Amex, Apple Pay, or Google Pay.
- Receive multi-currency payments: Accept payments in up to 10 non-AED currencies, all of which automatically settle into your Ziina account as AED.
- Keep costs predictable: You’ll only pay 2.6% + 1 AED per transaction for local cards, plus an additional 1.5% for international cards. Please check out our pricing page for more details.
- Cash out your funds: Transfer funds to your connected bank account in 1 – 2 business days for amounts under 25,000 AED, subject to bank processing times. 24h cashouts are available for eligible users.
Ziina helps you expand into new sales channels without having to add (or pay for) new software each time.
“During the winter season you might have a bunch of pop-up shops, and with Ziina, you can centralize all your payments in one place. Rather than have one provider for payment links, then another for the card machine, Ziina gives you that versatility – it's not limited to one form of payment.”
For example, alongside sharing payment links, you can also:
- Add a payment gateway to your website: Using our pre-built APIs, you can add an online checkout to your WooCommerce, Shopify, or custom website and start accepting regional payments within minutes. It’s a simple, straightforward integration that doesn’t require complex technical knowledge.
- Create QR codes: Generating QR codes allows you to get paid at in-person events (like pop-up shows) or when you’re away from a physical storefront. Customers just have to scan the code and pay on their phone, either through Google Pay / Apple Pay or by entering their card details.
- Generate invoices: You can create branded, professional invoices within seconds from the Ziina app. You can even include a payment link at the bottom of your invoice to offer a faster payment option than a bank transfer.
- Enable Tap to Pay on your phone: Accept in-person payments without renting or buying any physical POS hardware by turning your phone into a POS machine.
Read more: Payment links: How to accept payments online without a website
Here are some alternative payment link tools* to compare:
Amazon Payment Services
Amazon Payment Services is a payment provider for businesses that need to accept digital payments across the MENA region.
With APS, you can send payment links directly to your customers through any device or digital platform.
You can create custom links for individual purchases or save time by generating batch invoices meant for multiple customers. Invoices can be customized to match your brand or created using pre-built templates.
For businesses selling across the region, Amazon Payment Services supports a high number of currencies, local MENA payment methods, and digital wallets.
Pricing: Standard plans start at 2.80% + 1 AED per transaction.
Mamo
Mamo is a fintech platform that helps businesses in the UAE accept payments.
When a customer pays through a Mamo payment link, they’ll be able to pay using Visa, Mastercard, American Express, mada, Apple Pay, Google Pay, or Tabby. Mamo also supports QR code payments so your customers can check out in-store.
The platform offers real-time reporting to help you track revenue and sales trends, along with subscription billing, chargeback management, refunds, and VAT-enabled invoicing.
Mamo also offers corporate debit cards with up to 8% cashback on business spend.
Pricing: Mamo's Growth plan costs 0 AED per month with a transaction fee of 2.9% + AED for UAE cards. The Premium plan costs 99 AED per month with a transaction fee of 2.7% + 0.8 AED.
Nomod
Nomod is another payment link tool in the UAE. Depending on your pricing plan, you’ll be able to cash out your funds on a same-day, two-day, or weekly basis (or a custom schedule if you process over 350,000 AED each month).
Buyers can pay using Tabby, Tamara, Apple Pay, Google Pay, and major cards like Visa, Mastercard, and Amex.
A single payment link can be used to collect payments from multiple buyers.
Pricing: Transaction fees start at 2.37% + 0.80 AED, though rates vary based on the payment option used.
Conclusion
In this piece, we have compared four payment link tools for startups in the UAE.
We’ve also introduced you to Ziina, a UAE-based fintech offering solutions like payment links that allow startups to expand across multiple channels without having to add new software.
Whether you sell online, on social media, or in-person, you can do it with Ziina.
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. 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://www.mamopay.com/
https://www.mamopay.com/pricing
https://nomod.com/en-ae
https://nomod.com/en-ae/features/payment-links
https://nomod.com/en-ae/pricing