Payment Gateway Integration Services UAE
Every UAE payment rail your customers expect — Network International, Telr, Checkout.com, Tabby, Tamara, Apple Pay, Google Pay — integrated with proper PCI scoping, 3DS handling, and fraud controls.
Payments that convert and don't break.
Hosted, hybrid, or direct integration — chosen based on your PCI scope, conversion needs, and tech stack.
Telr integration
Hosted, transparent, or mobile SDK — recurring billing, partial refunds, multi-currency.
Network International / NGenius
UAE's largest acquirer — direct integration with tokenisation and stored cards.
Checkout.com integration
Full API integration with vaulting, 3DS v2, payouts, and risk controls.
Tabby integration
BNPL — split-payment checkout, settlement reporting, returns handling.
Tamara integration
BNPL — pay-later flows, dynamic limit handling, promotional offers.
Apple Pay integration
Native and web Apple Pay — domain registration, merchant ID, sandbox to prod.
Google Pay integration
Web, Android, and tokenized payment flows.
Custom payment APIs
Any acquirer or PSP — Mashreq Neopay, Magnati, Geidea, custom direct integrations.
Subscription billing
Recurring billing, trial flows, dunning, plan changes, prorated upgrades.
Payment integration without the surprises.
Payments fail in expensive ways. Our process front-loads the things that bite teams at go-live.
We help you pick the right gateway based on rates, settlement, supported cards, and your verticals.
Build with proper card data handling, 3DS v2 flows, decline reason mapping, partial captures.
PCI scoping review, payments UAT with test cards across major schemes and 3DS scenarios.
Production cutover with progressive rollout, conversion monitoring, decline analytics dashboards.
Which UAE payment gateway should you pick?
There's no single best UAE payment gateway. The right choice depends on three things: your acquiring relationship, your customer mix (UAE-only vs international, B2C vs B2B), and your tolerance for PCI scope.
The main UAE players
Network International (NGenius) is the largest acquirer in the UAE. If you have a Network acquiring relationship, integrating directly to NGenius gets you the best rates and the cleanest settlement reporting. The integration is straightforward and well-documented.
Telr is the most popular PSP for SMBs. Easier onboarding than direct acquirers, good developer experience, supports most local schemes, integrates with most ERPs and eCommerce platforms out of the box. Pricing is higher than direct, but the trade-off makes sense for many businesses.
Checkout.com dominates for businesses with international card volume or technical sophistication. Best-in-class API, true global acquiring, excellent fraud tools, and the most flexible architecture if you want to build something custom on top.
Tabby and Tamara are BNPL essentials for B2C retail. Conversion lift is real (typically 15–25% on average order value) but settlement and reconciliation work differently — you need to design for partial payments and split refunds.
The 3DS v2 reality
UAE banks have been pushing 3DS Secure v2 hard since 2023. Done right, 3DS v2 is mostly frictionless — silent authentication for low-risk transactions, step-up only when needed. Done wrong, it breaks conversion on every transaction. Most gateway SDKs handle this for you, but custom integrations often get it wrong by not collecting the device data signals that enable silent authentication.
The PCI question
If you process card data in your own systems, you take on PCI DSS compliance — annual assessments, segmented networks, encrypted storage. For most businesses this is overkill. Hosted checkout (where the gateway hosts the card form) or transparent redirect patterns let you stay PCI SAQ-A, the lowest compliance burden. We default to this unless there's a strong reason for direct integration.
The payment engineers we work with have shipped integrations across all major UAE gateways. They know which gateways have the cleanest webhooks, which have unreliable sandbox environments, which have hidden fees in their MDR, and how to handle the edge cases — pre-auth holds, partial captures, refund-after-settlement, chargebacks.