apayPayments in the UAE · AED
Accept payments in the UAE
Cards, Apple Pay, Google Pay and buy-now-pay-later for the United Arab Emirates, with AED and USD settlement.
Payment methods your customers use
One checkout shows the right methods for the UAE. Add or remove methods per processor in the dashboard; nothing changes in your code.
| Method | Type | In the checkout |
|---|---|---|
| Visa, Mastercard, Amex | card | Card form with 3-D Secure, mandatory for many issuers |
| Apple Pay | wallet | Very high usage; button in Safari and apps |
| Google Pay | wallet | Chrome and Android |
| Tabby, Tamara | buy now, pay later | Redirect, popular in retail |
| Bank transfer | transfer | Reference-based transfer confirmed by webhook |
Processors and partners
Routed by apay for the UAE:
Checkout.comStripeAdyenNoon PaymentsCybersource
UAE platform and digital banks are in discussion for AED accounts and embedded finance.
What to know
- Currencies AED and USD, amounts in fils and cents.
- 3-D Secure is expected by UAE issuers; enable it by default.
- Settlement typically T+2 to T+3.
- VAT at 5% is the merchant's responsibility.
Questions
Do Apple Pay and Google Pay work in the UAE?
Yes, both are supported by the UAE processors apay routes to.
Can I offer Tabby or Tamara?
Yes, through processors that support buy-now-pay-later in the UAE.
Do I need a UAE entity?
Most UAE processors onboard local entities; some accept free-zone companies. apay helps you choose.
Sandbox is free and live now. Test cards succeed, decline and trigger 3-D Secure like production, and every event reaches your webhook. Start the quickstart or talk to us about the UAE.