أفضل بوابات الدفع للتجارة الإلكترونية في الإمارات في 2026

Payment gateway selection is one of the most critical decisions for any UAE e-commerce store. The wrong choice means failed transactions, high fees, or missing the BNPL options UAE consumers expect. Here is the complete 2026 comparison for UAE online stores.

**1. Telr** Origin: Dubai-based gateway. Best for: UAE-first businesses wanting a local gateway with Arabic support and strong customer service in the region.

• Accepts: Visa, Mastercard, AMEX, mada (Saudi), KNET (Kuwait), local UAE bank transfers
• Transaction fee: 2.49–2.99% + AED 1.00
• Setup fee: AED 0–500 depending on plan
• Settlement: 2–3 business days
• Supports: Recurring billing, tokenised cards, fraud detection
• Arabic interface: Yes, full Arabic checkout support
• Best for: SMEs, subscription businesses, UAE and GCC market focus

**2. PayTabs** Origin: Saudi Arabia, strong UAE presence. Best for: Businesses selling across multiple GCC countries.

• Accepts: Visa, Mastercard, AMEX, mada, KNET, Fawry
• Transaction fee: 2.85–3.50%
• Settlement: 3–5 business days
• Supports: Invoicing, payment links, split payments
• Arabic interface: Yes
• Best for: GCC cross-border e-commerce, professional services invoicing

**3. Stripe** Origin: US global gateway. Best for: Tech-forward businesses, subscription SaaS, international customer base.

• Accepts: Visa, Mastercard, AMEX, Apple Pay, Google Pay, 135+ currencies
• Transaction fee: 2.9% + USD 0.30 (international card surchage applies)
• Settlement: 7 days (new accounts), 2 days (established accounts)
• Arabic interface: Limited
• Best for: International businesses, SaaS, tech platforms, marketplaces
• UAE consideration: Settlement is in USD — currency conversion applies for AED businesses

**4. Tabby (BNPL)** UAE and KSA buy-now-pay-later. Splits purchase into 4 interest-free payments.

• Merchant fee: 3.0–5.5% per transaction
• Consumer: Zero interest (0% for consumer, merchant absorbs cost)
• Average order value increase: 40–60% when Tabby is offered
• Integration: Shopify plugin, WooCommerce plugin, custom API
• Best for: Fashion, electronics, furniture, beauty — mid-to-high ticket items

**5. Tamara (BNPL)** Saudi-origin BNPL with strong UAE market presence. Similar to Tabby.

• Merchant fee: 3.0–6.0% per transaction
• 3 or 4 payment splits
• Best for: Mid-ticket items AED 200–5,000 range

**Recommended stack for UAE e-commerce stores (2026):**

| Store type | Primary gateway | Add BNPL | Add digital wallets | |---|---|---|---| | General retail | Telr | Tabby + Tamara | Apple Pay, Google Pay | | Fashion / Beauty | Telr | Tabby | Apple Pay | | Electronics | Telr or Stripe | Tabby + Tamara | Apple Pay, Google Pay | | SaaS / Subscriptions | Stripe | — | Apple Pay | | GCC multi-country | PayTabs | Tabby | Apple Pay |

**Key UAE payment insight:** Offering only card payments leaves 25–35% of UAE revenue on the table. Tabby and Tamara together typically increase conversion rate by 8–15%.

Smart Screen Technology integrates all major UAE payment gateways with e-commerce stores, including full Arabic checkout flow and VAT-compliant invoicing.